Privacy Policy

1. Information We Collect

Spendflip collects the following types of information:

• Account Information: Email address and display name, collected via Firebase Authentication
• Savings Goals: Goal name, target amount, and emoji identifier
• Transaction Records: Transaction type (cheaper alternative, no-buy, or withdrawal), title, amount, date, and spending category
• Subscription Data: Your subscription tier (free or premium) and trial status, managed through RevenueCat
• Usage Data: App usage patterns, feature interactions, and performance metrics
• Device Information: Device type, operating system, and app version for crash reporting

Spendflip does not collect your location, contacts, photos, or any financial account credentials. All financial data you enter is self-reported.

2. How We Use Your Information

We use your information to:

• Provide and maintain the Spendflip service
• Process and store your financial transactions and goals
• Generate spending insights and analytics
• Improve our app features and user experience
• Send important service notifications and updates
• Ensure security and prevent fraud

Legal Basis for Processing (GDPR)

We process your personal data on the following legal bases:

• Contractual necessity: Processing required to provide the Spendflip service, including account creation, transaction logging, and goal tracking
• Legitimate interests: Analytics to improve our service, security monitoring, and fraud prevention
• Consent: Marketing communications and optional features — you may withdraw consent at any time

3. Data Storage and Security

We implement security measures to protect your data:

• All data is encrypted in transit and at rest
• Access to your data is restricted to authorized personnel only

4. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With your explicit consent
• To comply with legal obligations
• To protect our rights and prevent fraud
• With trusted service providers who assist in app operations (under strict confidentiality agreements)

5. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Delete your account and associated data
• Data portability — receive your data in a structured, machine-readable format
• Restrict processing of your personal data
• Object to processing based on legitimate interests
• Opt out of non-essential communications

6. Data Retention

We retain your data for as long as your account is active or as needed to provide services. Specific retention periods:

• Account data (profile, goals, transactions): Retained while your account is active, plus 30 days after account deletion
• Crash logs and error reports: 90 days
• Server logs: 30 days

Where we are required to retain data for legal or regulatory purposes, we will do so for the minimum period required by law.

7. Third-Party Services

Our app integrates with the following third-party services that may process your data. Each service operates under its own privacy policy:

• Firebase (Google LLC) — Authentication, email verification, and user identity management
• RevenueCat (RevenueCat, Inc.) — Subscription and in-app purchase management
• Sentry — Error tracking and crash reporting to improve app stability
• Better Stack — Log management and server monitoring
• Google Fonts — Typography served via CDN on our landing pages
• DigitalOcean — Cloud infrastructure and data hosting

We encourage you to review the privacy policies of these services to understand how they handle your data.

8. Cookies and Tracking Technologies

We use Google Fonts loaded via CDN, which may process your IP address. We do not use cookies for tracking purposes.

9. California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect about you
• Request deletion of your personal information
• Non-discrimination for exercising your privacy rights

We do not sell your personal information to third parties.

10. Financial Advice Disclaimer

Spendflip is a personal savings tracking tool. It does not provide financial, investment, tax, or legal advice.

11. Subscriptions and Billing

Spendflip offers a free tier and a premium subscription tier. Subscriptions are managed entirely through Apple's App Store or Google Play Store via our payment processor, RevenueCat.

• Free Tier: Core savings tracking features with limits on the number of goals and transactions
• Premium Tier: Unlimited goals and transactions, CSV and PDF export, and additional analytics features

We do not directly collect, process, or store your payment card details, bank account information, or billing address. All payment processing is handled by Apple (App Store) or Google (Play Store). For billing inquiries, please contact the respective app store through which you subscribed.

12. Children's Privacy

Spendflip is not intended for children under 13. We do not knowingly collect personal information from children under 13. In the European Union, users must be at least 16 years old (or the applicable age of digital consent in their member state) to use Spendflip without parental consent.

13. Governing Law

This Privacy Policy and any disputes arising from it shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions.

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes through the app or via email. Your continued use of the service after changes constitutes acceptance of the updated policy.