This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the SpendBook mobile application (the "App") in India. Please read this policy carefully. If you do not agree with the terms of this Privacy Policy, please do not use the App.
1 Information We Collect
1.1 Personal Information
We may collect the following types of personal information:
- Basic user information (such as name or nickname, if provided)
- Financial transaction data derived from SMS messages (income and expense information)
- Location data (only if you grant location permission)
- Device information (device model, operating system, app version, unique device identifiers)
1.2 SMS Data
With your explicit consent, SpendBook accesses SMS messages only for the purpose of automatically identifying and recording financial transactions such as bank credits, debits, and bill payments.
- We do not read personal or non-financial SMS messages
- SMS data is processed automatically
- SMS content is not shared with third parties
- SMS data is not used for advertising or marketing purposes
1.3 Location Information
If you allow location access, we may collect approximate or precise location information to:
- Improve expense categorization
- Provide location-based insights (such as spending patterns by area)
You can deny or revoke location permission at any time through your device settings.
1.4 Automatically Collected Information
We may automatically collect:
- IP address
- App usage statistics
- Crash logs and diagnostic data
2 How We Use Your Information
We use the collected information to:
- Provide and maintain the App's core functionality
- Automatically record income and expenses
- Improve accuracy of expense categorization
- Analyze usage trends to improve user experience
- Detect and prevent fraud or misuse
- Comply with legal obligations under Indian law
3 Permissions We Request
SpendBook may request the following permissions:
All permissions are optional, but some features may not function properly if permissions are denied.
4 Data Storage and Security
- Your data is stored securely using industry-standard security practices
- Sensitive data is encrypted where applicable
- We take reasonable measures to protect your information from unauthorized access, alteration, disclosure, or destruction
Despite our efforts, no method of transmission or storage is 100% secure.
5 Data Sharing and Disclosure
We do not sell, rent, or trade your personal data.
We may share information only in the following cases:
- With service providers who assist in app operations (under strict confidentiality obligations)
- To comply with legal requirements, court orders, or government requests
- To protect our rights, users, or the public
6 Data Retention
We retain your information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. You may request deletion of your data at any time.
7 Your Rights (India)
In accordance with applicable Indian laws, including the Information Technology Act, 2000 and related rules, you have the right to:
- Access your personal data
- Request correction or deletion of your data
- Withdraw consent for data processing
To exercise these rights, please contact us using the details below.
8 Children's Privacy
SpendBook is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children.
9 Third-Party Services
The App may use third-party services (such as analytics or crash reporting tools). These services may collect information in accordance with their own privacy policies.
10 Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be notified through the App or by updating the effective date.
11 Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
By using SpendBook, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.