Privacy Policy

Last updated November 14, 2026

The short version: Spendcheck doesn't collect your data. There are no accounts, no ads, no analytics and no tracking. What you enter stays on your iPhone, and in your own private iCloud if you turn on backup.

What you enter

Transactions, budgets, categories, goals, notes and photos you add are stored on your device. We don't have servers that receive or store them, and we can't see them.

iCloud

If you turn on iCloud Backup, your data syncs through Apple's iCloud to your private database, tied to your Apple ID. Apple's privacy policy covers iCloud. We have no access to your iCloud data.

Camera, photos and notifications

  • Camera is used only when you scan a receipt. The image is read on your iPhone and isn't uploaded anywhere.
  • Photos you attach to a transaction are stored with that transaction on your device and in your iCloud backup.
  • Notifications are reminders scheduled on your iPhone. When you use the Shortcuts automation to log bank notifications, the notification's text is read on your device to find the amount and merchant, and is not sent to us.

On-device intelligence

Suggested categories and duplicate detection use Apple's on-device models. Nothing you type is sent to us or to any AI service.

Exchange rates

To convert currencies, the app downloads public exchange rates from Frankfurter (European Central Bank data) and the open Exchange API. These requests contain no information about you or your transactions; like any web request, the provider can see your IP address.

Purchases

Subscriptions are processed by Apple. We receive no payment details, only confirmation from Apple that a subscription is active.

This website

spendcheck.money is hosted on Cloudflare. We may use Cloudflare Web Analytics, which counts page views without cookies and without identifying you. We don't use advertising or tracking cookies.

Email

If you email us, we use your email address and message only to reply to you, and we don't share them with anyone.

Children

Spendcheck doesn't knowingly collect any personal information from anyone, including children.

Your rights

Because we don't hold your data, you're in control: export it from the app's settings, or delete it by deleting the app and, if you used backup, removing Spendcheck's data in Settings → your name → iCloud → Manage Account Storage.

Changes

If this policy changes, we'll update this page and the date above.

Contact

Questions about privacy? Email contact@spendcheck.money.