Privacy Policy

Overview

Spentio ("the App") is developed by Tupungato Studios. We are committed to protecting your privacy. This policy explains how we handle your information.

Data Collection

We do not collect any personal data. All your expenses, income, categories, and preferences are stored locally on your device. Spentio does not operate servers that collect your data, use analytics tools, or include any tracking. We never have access to your financial data. On Android, a few things work differently; see Spentio on Android below.

Spentio on Android

The Android app keeps the same promise: your expenses, income and budgets stay on your phone, and we never see them. A few things work differently on Android:

• Storage and backup. Your data is stored on your phone. Android's own backup can keep a copy in your Google account and bring it back on a new phone; from Android 9 it is encrypted with your screen lock. Receipt photos stay on the phone. Tupungato Studios has no access to any of it.
• Shared profiles (optional). If you share a profile, it is stored in the Google Drive of the person who shares it, encrypted on the phones before it leaves them, so Google holds only data it can't read. Spentio can only see the files it created or that you pick. To share, you enter the other person's Google account, which Google uses to give them access to those files. The key that unlocks the profile travels only inside the invite link, in the part that browsers never send to a server.
• Receipt scanning. Receipts are read on your phone by Google's ML Kit; the photo is not uploaded. ML Kit may send Google anonymous diagnostic and usage information (such as device type, app version and performance) to keep it working, under Google's terms.
• Card payment logging (optional). If you turn it on and grant notification access, Spentio reads payment notifications from Google Wallet and the banking apps you choose, on your phone, to log the purchases. Nothing from those notifications leaves the phone.
• Purchases. Payments go through Google Play. A payments provider (RevenueCat) checks your Pro status with an anonymous ID the app creates and your purchase history from Google Play; neither is linked to your name or email.
• Feedback. If you send feedback, we receive your message, the app version and your Android version. Nothing is sent until you press Send.

Information We Do Not Collect

• No personal information (name, email, phone number)
• No expense amounts, categories, or merchants
• No location data
• No usage analytics or tracking
• No cookies or similar technologies
• No advertising identifiers
• No data shared with third parties for marketing

Local Storage & iCloud Sync

The App stores your expenses, income, categories, recurring expenses, savings goals, and preferences locally on your device using Apple's SwiftData framework. If your device has iCloud enabled for Spentio, this data automatically syncs across your devices via Apple's CloudKit service under your own Apple account. The sync is managed by Apple and Tupungato Studios has no access to the synced data. You can disable iCloud sync for Spentio at any time from iOS Settings (Settings > your name > iCloud > Apps Using iCloud).

In-App Purchases

Spentio offers an optional Pro subscription and a one-time lifetime purchase. All payments are processed by Apple through the App Store. Spentio uses a backend service to validate your subscription state and enable Restore Purchases across your devices. No personal information, payment details, or identifying data is shared. Only anonymous subscription state from Apple is used, which cannot be linked to any individual.

Notifications

The App may send local notifications for budget alerts, weekly and monthly summaries, and daily reminders. All notifications are generated entirely on your device — no external service is involved and no data leaves the device. Notification permissions can be managed at any time in your device settings or within the App.

Apple App Analytics

We do not use any first-party analytics or crash reporting services. If you have enabled "Share with App Developers" in your iOS settings (Settings > Privacy & Security > Analytics & Improvements), Apple provides anonymous, aggregated statistics about app performance and stability (for example: launch time, crash reports, battery usage) in its own dashboards. This data is aggregated by Apple across all users and cannot be linked back to you. You can disable this setting at any time.

Your Rights & Control

Because all data remains on your device, you have full control:

• Delete a single expense, a category, or all your data directly in the App
• Export everything as CSV or PDF (Settings > Export)
• Disable iCloud sync for Spentio from iOS Settings at any time
• Uninstall the App to remove all local data from the device

Children's Privacy

The App does not collect any data from any user, including children. It is safe for users of all ages (rated 4+).

Changes to This Policy

We may update this privacy policy from time to time. Any changes will be reflected on this page with an updated date.

Contact

If you have any questions about this privacy policy, contact us at: tupungatostudios@gmail.com