SpendSense — Privacy Policy

Last updated: 3 July 2026

The short version: your data never leaves your phone. SpendSense has no servers, no accounts, no analytics, no ads, and does not even request the internet permission. Everything the app does happens entirely on your device.

What data the app accesses

SpendSense reads SMS messages on your device (permissions READ_SMS and RECEIVE_SMS) for a single purpose: detecting transaction alerts sent by banks, card issuers, and UPI apps, and converting them into your personal expense history. This is the core functionality of the app.

• Only messages that match transaction patterns (debits, credits) are stored. OTPs, personal conversations, and promotional messages are ignored and never stored.
• Detected transactions (amount, merchant, category, bank, and the original alert text) are stored in a private local database that only SpendSense can read.
• Optional data you enter — your current balance and category budgets — is stored locally in the app's private storage.

What the app does NOT do

• No data is transmitted off your device — the app does not declare the internet permission, so it is technically incapable of uploading anything.
• No data is shared with third parties, affiliates, or advertisers.
• No analytics, tracking, or profiling of any kind.
• No account or sign-up is required, so no personal identifiers are collected.

Exports

You can export a PDF report, your transactions (CSV), or a diagnostic file to your device's Downloads folder. These exports are created only when you tap the export button, are generated entirely on your device, stay on your device, and are under your control.

App lock

You may optionally enable an app lock. It uses Android's built-in BiometricPrompt (fingerprint, face, or your phone's PIN/pattern/password). The app does not create, see, or store any biometric data or PIN — authentication is handled entirely by the Android system.

Data retention and deletion

All data lives on your device. You can delete individual transactions in the app, clear all app data from Android Settings, or simply uninstall the app — uninstalling removes the database and all settings permanently.

Children

SpendSense is a general-audience financial tool and is not directed at children under 13.

Changes to this policy

If the policy changes, the updated version will be published at this URL and the "last updated" date revised.

Contact

Questions or concerns: borkarsaurabh22@gmail.com