Legal

Privacy Policy

Effective date: August 30, 2026

SpeakSpend is a mobile personal finance tracking app for iOS and Android. It helps users record and organize financial activity, manage budgets and plans, view estimates and summaries, and create editable transaction drafts by voice. This Privacy Policy explains what data SpeakSpend collects, how it is used, where it is processed, and how users can export or delete it.

Developer And Privacy Contact

For privacy, support, data export, or deletion questions, contact SpeakSpend at support@speakspend.com.

Information SpeakSpend Collects

Depending on how you use the app, SpeakSpend may collect and store:

• Account information: email address, authentication identifiers, first name, last name, selected currency, timezone, and profile preferences.
• Financial tracking data: account names, account types, account colors, opening balances, expenses, income entries, transfers, split allocations, categories, merchants, notes, tags, dates, times, and amounts.
• Budgeting, planning, and net-worth data: monthly and category budgets, recurring income and expenses, expected amount ranges, planned payments, savings goals, linked accounts, forecast plans, debt names and balances, manually entered assets and liabilities, valuation dates and history, account-opening and debt-balance history, daily net-worth snapshots, minimum payments, due days, interest-rate information you choose to enter, and forecast preferences.
• Organization and reporting data: merchant rules, saved report presets, record filters, Dashboard widget choices, and related summary settings.
• Voice entry data: audio submitted when you choose to use the microphone, temporary transcripts, parsed draft details, and voice usage counters.
• Membership data: your SpeakSpend App User ID, Free or Pro plan, product and base-plan identifiers, store and environment, entitlement and purchase status, trial, purchase, renewal, cancellation, expiration, and billing-issue dates, and purchase-restoration or transaction-related technical information. SpeakSpend does not receive or store your full card or bank payment details; the applicable app store processes payments.
• On-device data: secure session credentials, cached profile and financial records, pending or failed offline changes, reminder preferences and delivery history, forecast preferences, and Dashboard layout choices.
• Device and technical data: app version, platform, network or sync state, notification permission state, error information, and security or operational logs needed to run and protect the service.
• Support data: messages and details you send when contacting support.

How SpeakSpend Uses Data

SpeakSpend uses data to:

• Create and secure your account.
• Save, sync, display, edit, delete, and export your financial records.
• Calculate balances, budgets, category progress, savings-goal progress, assets, liabilities, net worth, cash movement, spending summaries, charts, statistics, forecasts, and estimated available amounts.
• Detect possible recurring activity, apply merchant rules, match forecast events with saved records, and prepare reports or exports requested by the user.
• Turn user-requested voice recordings into editable transaction drafts.
• Store supported changes offline, synchronize them after reconnecting, and show recoverable sync failures.
• Schedule optional local reminders and route reminder taps to the relevant app screen.
• Apply voice usage limits and prevent abuse of backend services.
• Confirm subscription access, restore purchases, apply plan limits, prevent billing fraud, and show subscription lifecycle information.
• Provide support, account deletion, troubleshooting, security, and service maintenance.

Voice And Microphone Use

Microphone access is requested only when you start a voice entry. Manual tracking and planning features can be used without microphone access.

When you use voice entry, the audio is sent to backend processing to transcribe and parse what you said into an editable draft. SpeakSpend does not silently save voice results. You review the draft before saving it as a record.

SpeakSpend does not store raw microphone recordings or transcripts as permanent financial records. Audio, transcripts, and parsed text may be processed temporarily by backend providers to create the draft, troubleshoot failures, protect the service, and apply voice usage limits.

Storage And Service Providers

SpeakSpend uses Supabase for authentication, database storage, Row Level Security, and backend functions. Synced account, financial, planning, automation, and reporting records are stored in Supabase Postgres and scoped to the signed-in user account.

OpenAI may be used by Supabase Edge Functions for speech-to-text and transaction parsing. OpenAI API keys are kept server-side and are not stored in the mobile app.

RevenueCat provides subscription and entitlement infrastructure. RevenueCat may process your SpeakSpend App User ID, store and product identifiers, purchase or receipt-related technical data, entitlement status, trial status, purchase, renewal and expiration dates, and related subscription events so SpeakSpend can confirm paid access across devices. The applicable app store remains the payment processor, and SpeakSpend and RevenueCat do not receive your full card or bank account details from the store.

Supported records and preferences may also be stored locally on your device so the app can load faster, work offline, remember your Dashboard, and schedule reminders. Authentication sessions are stored using secure device storage where supported.

Apple App Store and Google Play may process account, purchase, diagnostic, and platform data according to their own policies when users install or interact with the app through those platforms.

Data Sharing

SpeakSpend does not sell personal financial data. Data may be processed by service providers only as needed to operate the app, including Supabase, OpenAI, RevenueCat, Apple, Google, email providers, and hosting providers. These providers process data according to their own service terms and privacy practices.

Subscriptions And Purchase Data

SpeakSpend uses subscription data to activate Pro features, apply Free and Pro limits, restore purchases, synchronize entitlement status between devices and the backend, respond to renewals, cancellations, expirations, transfers, and billing issues, and prevent subscription abuse or fraud. Subscription events may be sent by the applicable app store to RevenueCat and then to SpeakSpend's backend. Complimentary promotional access may be recorded by SpeakSpend without creating a store purchase.

Deleting the SpeakSpend app or your SpeakSpend account does not cancel an active store subscription. Subscription cancellation must be completed through the applicable store account. Store transaction records, provider logs, and limited subscription records may be retained where required for legal, tax, accounting, fraud-prevention, security, or dispute purposes.

Security

SpeakSpend uses authentication, secure local session storage on supported devices, Supabase Row Level Security, server-side API keys, and ownership checks for protected backend operations. No internet service can guarantee perfect security. Users should protect access to their device and email account and should sign out on shared devices.

Offline Use And Sync

SpeakSpend may cache records and store supported changes locally on your device when offline, including pending operations and recoverable sync failures. These changes are synchronized after your internet connection returns. Local app data is cleared during supported sign-out and account-deletion flows, but operating-system backups or provider logs may follow separate retention rules.

Voice entry, sign in, password recovery, account deletion, and some backend operations require an internet connection. Simultaneous offline edits on multiple devices may conflict, and the latest synchronized change may replace an earlier one.

Currency

SpeakSpend uses one app currency selected during onboarding. The app currency is locked after the first account or transaction so records, statistics, balances, forecasts, and exports stay consistent. Unsupported currencies are excluded from calculations that cannot safely convert them.

Forecasts, Automation, And Reminders

Upcoming Balance, Available to Spend, recurring suggestions, merchant rules, and other estimates are calculated from information you enter or save in SpeakSpend. They are not bank-verified balances or financial advice and may be incomplete or inaccurate when records, dates, amounts, or schedules are missing.

Optional reminders are scheduled through your device's notification system. Reminder preferences and delivery identifiers may be stored locally. Apple or Google may process notification delivery data under their platform policies.

Data Export

Users can export records from the Records screen as CSV files. Exports may contain account names, categories, split details, merchants, notes, tags, dates, times, and amounts. Exported files leave SpeakSpend's protected storage and are controlled by the user and any app or location they share them with.

Retention And Deletion

SpeakSpend keeps user account and financial tracking data while the account is active or as needed to provide the service. Self-serve account deletion is available in the app from More > Privacy & Data > Data Controls. Users may also review deletion instructions at speakspend.com/account-deletion.

Deleting your account removes your SpeakSpend authentication account and associated synced app data, including profile details, accounts, expenses, income, transfers, splits, budgets, recurring transactions, planned payments, savings goals, manual assets and liabilities, valuation and balance history, net-worth snapshots, categories, tags, merchant rules, report presets, forecast plans, debt commitments, and usage events. The app also clears supported locally cached user data during the deletion flow.

Some technical backups, security logs, support messages, app store records, or provider logs may remain temporarily where required for security, fraud prevention, legal, tax, accounting, dispute, or operational reasons. SpeakSpend normally removes a deleted account's identifier from retained subscription webhook receipts during account deletion. A shared subscription-transfer receipt may remain after that identifier is removed so another user's entitlement audit is preserved. If immediate redaction cannot be completed, the retained receipt is automatically removed no later than 90 days after SpeakSpend received it. App stores and other providers may retain their own records under their respective policies.

Children's Privacy

SpeakSpend is not intended for children under 13, and we do not knowingly collect personal information from children under 13.

Changes To This Policy

This Privacy Policy may be updated as SpeakSpend changes. The effective date will be updated when material changes are published.

Contact

For privacy questions, data requests, support, or deletion help, contact support@speakspend.com.