Privacy Policy

This Privacy Policy describes Our policies and procedures regarding information when You use the Service and explains Your privacy rights.

By using the Service, You agree to this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

• Account means a unique account created for You to access our Service or parts of our Service.
• Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Application refers to SpendMaster, the software program provided by the Company.
• Company (referred to as either "the Company", "We", "Us" or "Our") refers to SpendMaster.
• Country refers to the location where the Company operates.
• Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• Personal Data is any information that relates to an identified or identifiable individual.
• Service refers to the Application.
• Service Provider means any natural or legal person who processes data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
• Usage Data refers to data collected automatically, either generated by the use of the Service or from third-party Service infrastructure (for example, the duration of a page visit, device identifiers, or ad metrics).
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Data Collection Overview

SpendMaster is designed with a local-first, privacy-focused architecture.

• We do not operate backend servers that collect your budgeting or financial records.
• We do not require you to create an account to use core features.
• Your expenses, income, budgets, categories, and other finance records stay on your device.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

SpendMaster does not collect personal data such as your name, email, phone number, or your budgeting and financial records as part of the core app functionality. Any finance information you enter into the app is stored locally on your device and is not transmitted to us.

Usage Data

We do not directly collect usage data ourselves. However, third-party SDKs used for advertising (and in some cases, measurement/analytics) may collect limited device and usage information independently, as described below.

AI-Powered Features and Third-Party AI Providers

SpendMaster offers optional AI-powered features that allow you to interact with a financial assistant.

How AI Works

• AI features are optional and can be enabled/disabled in the app settings.
• You may configure your own third-party AI provider (for example, by entering an API key).
• If AI is unavailable or disabled, the app may provide responses using on-device intelligence.

Data Handling for AI

• Only the text you voluntarily submit in the AI chat may be sent to the AI provider you select.
• SpendMaster does not receive, store, log, or retain your AI conversations on our servers.
• AI requests are sent from your device to the chosen provider, and that provider processes the data under its own policies.

We encourage you to review the privacy policy and terms of any AI provider you choose to use.

AI Disclaimer

AI-generated responses are provided for informational purposes only and do not constitute financial, investment, tax, or legal advice. You are responsible for decisions you make based on information provided by the app or any AI feature.

Email Communications and Support

If You choose to contact Us via email (for example, to request support, report an issue, recover access, or submit a feature request), We may receive information You voluntarily provide, such as:

• Your email address
• Your username
• The content of your message

This information is received only through email communication and is not collected through the SpendMaster app itself.

We use this information solely to respond to Your request and provide support. We do not store this information in the app, use it for advertising, analytics, or share it with third parties.

For security reasons, We recommend that users do not send sensitive information such as passwords via email.

Advertising

SpendMaster uses third-party advertising SDKs to support the app and fund development.

Advertising Providers

Ads may be served by:

• Google AdMob
• Google Ads
• Unity Ads

Information Collected by Advertising SDKs

These advertising providers may independently collect information such as:

• Advertising identifiers (e.g., IDFA where permitted and configured)
• Device identifiers and approximate location (derived from IP address)
• IP address
• App interaction and ad performance metrics

This information is collected directly by the advertising providers (not by SpendMaster) and is used to deliver ads, measure performance, and prevent fraud.

You can control personalized advertising preferences through your device settings (and where applicable, app consent prompts).

Use of Your Personal Data

Because SpendMaster does not collect or store your budgeting/financial data on our servers, we primarily use data only in the following ways:

• To provide and maintain the Service on your device.
• To respond to your support requests when you contact us (e.g., via email).
• To improve app stability and performance (including via third-party SDK reporting where applicable).
• To comply with legal obligations.

Sharing of Your Data

SpendMaster does not sell, rent, or share your personal financial records.

Data may be shared only in the following limited situations:

• AI Providers (Optional): If you enable AI features, the text you submit may be shared with the AI provider you selected to generate responses.
• Advertising SDKs: Advertising partners may collect device and usage information independently to serve and measure ads.
• Legal Requirements: If required by law, court order, or valid governmental request.
• With Your Consent: For any other purpose with your explicit consent.

Retention of Data

SpendMaster does not retain your budgeting or financial data because it is stored locally on your device. Third-party providers (such as AI providers and advertising networks) may retain data under their own retention policies.

Transfer of Data

SpendMaster does not transfer your locally stored budgeting or financial data to our servers. Third-party providers you choose to use (such as AI providers and ad networks) may process data in locations outside of your state or country under their own policies.

Delete Your Data

You can delete all locally stored app data at any time by deleting entries within the app, resetting the app data (if available), or uninstalling the app.

For data handled by third-party AI providers or advertising providers, deletion and access requests must be directed to those providers.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition, or asset sale, this Privacy Policy will continue to apply. Since we do not store your budgeting or financial data on our servers, there is typically no user financial data to transfer.

Law Enforcement

Under certain circumstances, the Company may be required to disclose information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

Other Legal Requirements

The Company may disclose information in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Security of Your Data

The security of your information is important to us. SpendMaster stores your budgeting and financial data locally on your device. However, remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect information, we cannot guarantee absolute security.

Children's Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third party sites or services.

International Users and Privacy Rights

SpendMaster is available to users worldwide. Because the app operates using a local-first architecture and does not collect or store personal or financial data on our servers, many data protection regulations do not apply in the traditional sense.

Depending on your location, you may have rights under applicable privacy laws such as the General Data Protection Regulation (GDPR) or similar regulations. These rights may include access, correction, or deletion of personal data.

Since SpendMaster does not collect or retain personal data in its systems, requests related to such rights typically apply only to third-party services you choose to use (such as AI providers or advertising partners).

For questions related to privacy rights, you may contact us using the information provided below.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page. We will update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

• By email: spendmasterapp@gmail.com