Privacy Policy for Spent
Effective Date: June 28, 2026
Developer: Independent Developer
Contact: owaistnt@gmail.com
1. Introduction
Spent ("we," "our," "us") is a personal expense tracking application developed and maintained by an individual developer. This Privacy Policy explains how the app handles permissions and user privacy.
By using Spent, you acknowledge and agree to the practices described in this Privacy Policy.
2. Information We Collect
Spent does not collect, store, or transmit any personal or financial information to external servers.
- We do not collect your name, email address, phone number, or any other personally identifiable information.
- We do not store expense records, transaction details, or payment methods on any cloud server.
- We do not track device identifiers, usage analytics, or crash reports.
- We do not send any data from your device to our servers.
All data processed by Spent remains entirely on your device
3. Data Stored on Your Device
Spent stores the following information locally on your device only:
- Expense entries you create manually or that are parsed from SMS messages
- Category preferences and vendor rename settings
- App preferences and settings
This data is stored using Android SharedPreferences and can be exported or deleted by you at any time using the Backup/Restore feature. You retain full ownership and control of this data.
4. Permissions
Spent requires the following permissions for its core functionality:
- SMS Read Permission (READ_SMS): Used solely to read bank and payment transaction SMS messages (from the inbox) for automatic expense categorization. SMS content is parsed locally on your device, extracted data (amount, merchant, date, payment instrument) is stored only on your device. No SMS content is stored, transmitted, or shared externally. SMS permissions are used exclusively for expense tracking — our core functionality.
- Camera / Document Scanner: Used to scan physical bills and receipts for manual expense entry. Image processing and OCR (text recognition) happen entirely on your device using Google ML Kit. No scanned images or extracted data are uploaded to any server.
5. Third-Party Services
Spent uses the following third-party SDKs:
- Google ML Kit (Text Recognition & Document Scanner): Used for bill scanning functionality. Processing occurs on-device. Google ML Kit's data handling is governed by Google's privacy policy. No scanned images or extracted data are sent to Google's servers.
- Google Play Services: Required for app functionality and updates.
These SDKs have their own privacy policies which you may review:
- Google Privacy Policy: https://policies.google.com/privacy
- Google ML Kit Documentation: https://developers.google.com/ml-kit
6. Use of AI
Spent uses on-device AI (Google ML Kit) to scan bills and extract expense details.
- This process happens entirely on your device.
- No scanned images or extracted data are stored, uploaded, or shared externally.
- The AI functionality is limited to assisting you in managing expenses locally.
7. Data Storage and Security
- Spent does not use any external servers, cloud services, or databases.
- All expense entries and related information remain locally on your device.
- As no data is transmitted or stored by us, there is no risk of unauthorized access, disclosure, or misuse from our side.
- You can export all your data using the Backup/Restore feature, or delete it by clearing app data.
8. Sharing of Information
We do not share, sell, rent, or disclose any personal information because none is collected or transmitted. Your data stays entirely under your control on your device.
9. Your Rights
- Access: All your data is stored locally on your device. You can view, export, and manage it within the app.
- Delete: You can delete all your data at any time by clearing app data in your device settings or using the export feature.
- Opt-out: You can deny the SMS permission at any time. The app will continue to work with manual expense entry only.
10. Children's Privacy
Spent is designed for general use and does not collect any personal details. As such, it is safe for use by individuals of all ages. However, we recommend parental guidance for children using financial tools.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on this page with an updated "Effective Date." We encourage you to review this page periodically.
12. Contact Us
If you have any questions or concerns about this Privacy Policy, please reach out to the developer:
Email: owaistnt@gmail.com