Privacy Policy
Last updated: June 24, 2026
Spendiqo is built around one rule: your financial data is yours. This page explains, in plain language, what that means in practice.
What Spendiqo stores
Your expenses, accounts, budgets, investments and settings are stored in Apple's Core Data framework on your device. If you turn on iCloud sync, that same data syncs through your own private iCloud account — Spendiqo does not operate a server or database that stores your transactions, balances, or any other financial detail.
Bank SMS auto-import
If you enable auto-import, Spendiqo reads bank notification text you choose to share with it (via the iOS Shortcuts automation you set up) and parses it for a transaction amount, merchant and date — entirely on your device. The message text is not uploaded anywhere.
Analytics
Spendiqo collects anonymous, aggregate product analytics (e.g. "a user opened the Investments tab") to understand which features are useful. These events:
- Never include your name, email, transaction amounts, or account balances
- Are tied to a random device identifier, not your Apple ID or iCloud account
- Can be turned off entirely in Settings → Privacy
Backups
Manual backup exports are encrypted files you control — saved wherever you choose (Files, AirDrop, email to yourself). Spendiqo never sees or stores a copy.
Third parties
Spendiqo uses Apple's own StoreKit for Spendiqo Pro subscriptions and a self-hosted, privacy-first analytics service with no third-party data sharing. If that changes — for example, adding a crash reporter — this page will be updated to list it.
Your choices
You can export or delete all of your data at any time from Settings, turn iCloud sync off, and opt out of analytics — no account or support request needed.
Contact
Questions about this policy: no.reply.tank@gmail.com.