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Privacy Policy

Effective Date: July 7, 2025

Thank you for using Spendeefi. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our mobile application.

By using Spendeefi, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

a. SMS Data

  • We only access SMS messages from financial senders, such as banks, wallets, credit card companies, and UPI platforms.
  • We use this data to extract transaction-related details like merchant name, amount, date, and category.
  • We do not read or store OTPs, personal messages, passwords, or messages from contacts.

b. Device Information

  • Device model and OS version
  • App version
  • Crash logs and analytics

c. Personal Information

  • Name
  • Email address
  • Mobile number

2. How We Use Your Information

  • Track and categorize your spending
  • Provide financial insights, graphs, and summaries
  • Send reminders for bills or EMIs (if enabled)
  • Improve app performance and experience
  • Respond to your support queries

Your data is never sold or used for advertising without your explicit consent.

3. Data Security

  • Local processing of SMS data where possible
  • Secure encryption for data stored or transferred
  • Strict access control on our systems
  • Anonymization of analytics data

4. Permissions We Request

  • Read SMS: To detect financial transactions and categorize spending.
  • Internet Access: To sync data, process analytics, and enable cloud backup features.

We do not read or store OTPs, passwords, or private chats.

5. Data Retention & Deletion

You can request deletion of your account and data at any time by emailing us at support@spendeefi.com.

6. Third-Party Services

We may use anonymized third-party tools like crash reporting and analytics to improve the app. We do not share financial data with advertisers or marketers.

7. Children's Privacy

Spendeefi is not intended for children under 13. If you believe a child has used the app, please contact us and we will delete their information.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Major changes will be notified through the app or via email.

9. Your Rights & Choices

  • You can disable SMS permission in your device settings (this may limit functionality).
  • You can request a copy of your data or ask for deletion.
  • You may delete your account anytime via the app or by contacting support.

10. Contact Us

Spendeefi Support Team

Email: support@spendeefi.com