SpendTracker+ Privacy Policy
Effective date: 21 October 2026
SpendTracker+ (“we,” “our,” or “the App”) helps users manage personal expenses, income, budgets, shared group expenses, and settlements. This Privacy Policy explains how information may be collected, used, stored, and protected when you use SpendTracker+.
2. Information We May Collect
Depending on the features you use, SpendTracker+ may process the following information:
Account information: Name, email address, phone number, and authentication information.
Financial records: Expenses, income, categories, budgets, payment methods, and transaction dates entered by you.
Shared group information: Group names, member details, shared expenses, split amounts, balances, and settlement records.
User-provided content: Descriptions, notes, and receipt images you choose to upload.
Technical information: Basic device, diagnostic, and application information where collected by the app or its service providers.
We aim to collect only information needed to operate and improve the app's features.
3. How We Use Information
Information may be used to:
Create and manage your account.
Record and display personal expenses and income.
Calculate budgets, spending summaries, and reports.
Calculate shared expense splits and group balances.
Track settlements between group members.
Provide customer support and respond to requests.
Protect the app, detect misuse, and maintain service reliability.
Meet applicable legal obligations.
4. Shared Group Information
When you join or create a group, information about group expenses, contributions, split amounts, balances, and settlements may be visible to other members of that group.
Please avoid adding sensitive information to group descriptions, expense notes, or receipts unless it is necessary for the intended feature.
Your personal expenses are intended to remain separate from group expenses unless you choose to share information through a group feature.
We do not sell your personal information.
Information may be shared when necessary with:
Other group members, as required for shared expense and settlement features.
Hosting, database, email, security, and other service providers that help operate the app.
Authorities or other parties where disclosure is required by applicable law.
Parties you authorize when you choose to share information.
Third-party services may process information according to their own privacy policies and applicable agreements.
6. Data Storage and Security
We use reasonable technical and organizational measures designed to protect information against unauthorized access, loss, misuse, or disclosure.
Information may be processed on our servers and by service providers that support the app. No method of electronic storage or transmission can be guaranteed to be completely secure.
Users should protect their login credentials and notify us if they suspect unauthorized access to their account.
7. Data Retention and Deletion
We retain information for as long as needed to provide the app, maintain account records, resolve disputes, meet legal obligations, and protect our services.
You may request deletion of your account and associated personal information by using the account-deletion option in the app, where available, or by contacting us at the email address below.
We will process eligible deletion requests and delete associated information, except for information we are legally required or permitted to retain. Any retained information will be handled according to applicable requirements.
SpendTracker+ is not intended for children who are not permitted to use the service under applicable law. We do not knowingly collect children's personal information in violation of applicable legal requirements. If you believe a child has provided personal information improperly, contact us so we can review the matter.
The app may rely on third-party services for hosting, authentication, communications, diagnostics, payments, or other functions. Where such services process personal information, their handling of that information is subject to their applicable terms and privacy policies.
The specific services used may change as the app develops.
10. Your Choices and Rights
Subject to applicable law, you may request access to, correction of, or deletion of your personal information. You may also choose what information to enter into the app and what information to share with group members.
To make a privacy-related request, contact us using the details below.
11. Changes to This Policy
We may update this Privacy Policy when the app, our practices, or legal requirements change. The updated policy will be published with a revised effective date.
For questions, privacy requests, or account-deletion requests, contact:
App: SpendTracker+
Developer / Company: Nowfal Apps
Privacy contact email: admin@nowfalapps.com
Website: https://nowfalapps.com