Privacy Policy for SmartSpend

Effective Date: January 25, 2026

SmartSpend ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and share information when you use the SmartSpend mobile application (the "App").

1. Information We Collect

A. Information You Provide to Us

• Account Information: When you sign in via Google or create an account, we receive your name, email address, and profile picture.
• Financial Data: We process records of your income and expenses, including amounts, categories, dates, and merchant names that you manually enter.
• Voice Input: If you use the voice-recording feature, the App processes your audio to convert speech to text for transaction logging. Audio files are not stored on our servers.

B. Automatically Collected Information

• SMS Sync (Optional): If you grant permission, the App reads financial SMS notifications from your bank to automatically create transaction records. This data is processed locally on your device before being synced to your private cloud storage.
• Receipt Scanning: If you use the AI Receipt Scan feature, images of receipts are processed using on-device or cloud-based OCR to extract transaction details.

2. Permissions Required

To provide its core features, SmartSpend requests the following permissions:

• SMS (READ_SMS, RECEIVE_SMS): Used solely to detect and import bank transactions automatically.
• Microphone (RECORD_AUDIO): Used only when you activate the voice-command feature to log entries.
• Biometrics/Fingerprint: Used for the App Lock feature to secure your data locally.
• Internet: Used to sync your data with Firebase and process In-App Purchases.
• Billing: Used to manage Pro Version subscriptions via Google Play.

3. How We Use Information

• Synchronize your financial data across devices via Google Firebase.
• Provide automated insights and spending categorization.
• Process transactions and manage your Pro subscription.
• Improve App performance and fix bugs.

4. Data Sharing and Third Parties

We do not sell your personal or financial data to third parties. We use the following trusted service providers:

• Google Firebase: Authentication, Firestore, and cloud sync.
• Google Play Billing: Processing premium subscriptions.
• Google AdMob: (Free version only) Displaying advertisements.
• Google ML Kit: On-device text recognition and analysis.

5. Data Retention and Security

Your data is securely stored using Firebase's encrypted infrastructure. You can delete your account and all associated data at any time via the settings menu within the App.

6. Accessing and Deleting Your Data

Under the GDPR (for EU users) and CCPA (for US users), you have the right to access, export, or delete your personal information. You can do this directly through the App settings or by contacting us at the email below.

7. Children’s Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy within the App.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:
Email: mejdioohamed@gmail.com