Privacy Policy
Last updated: March 21, 2026
1. Introduction
Spendify (“we”, “us”, “our”) operates the Spendify application and related services (the “Service”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.
By using Spendify, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
We collect information necessary to provide, improve, and secure our Service. This includes:
2.1 Personal Information
- Name
- Email address
- Account credentials
- Customer support communications
2.2 Financial Information
If you choose to connect financial accounts or input financial data:
- Transaction history
- Account balances
- Spending categories
- Budget data
- Financial goals or notes
2.3 Device and Usage Data
- IP address
- Device type and operating system
- App usage activity
- Log files and diagnostic data
2.4 AI Interaction Data
If you use AI-powered features:
- Messages you submit
- Contextual financial data included in those messages
2.5 Cookies and Tracking Technologies
We may use cookies or similar technologies to enhance user experience, analyze usage, and improve performance.
3. How We Use Your Information
We use collected information to:
- Provide and maintain the Service
- Analyze and improve functionality and performance
- Personalize your experience
- Enable financial insights and budgeting features
- Provide customer support
- Detect and prevent fraud or misuse
- Comply with legal obligations
We do not sell your personal or financial data.
4. AI Features
If you choose to use AI-powered features:
- Your data may be processed by third-party AI providers solely to deliver responses
- We require such providers to not use your data for model training (where applicable)
- AI features are optional and can be disabled
5. Sharing of Information
We may share your information with trusted third parties in the following categories:
5.1 Service Providers
- Cloud hosting (e.g., AWS or similar providers)
- Analytics tools
- Customer support platforms
- Payment processors
5.2 Financial Data Integrations
If applicable:
- Secure financial data aggregators (e.g., Plaid or similar services)
5.3 Legal Requirements
We may disclose information if required to:
- Comply with legal obligations
- Protect rights, safety, or property
- Prevent fraud or abuse
We ensure that all third parties are contractually obligated to protect your data.
6. Data Storage and Security
We implement industry-standard safeguards including:
- Encryption in transit (TLS)
- Encryption at rest (where applicable)
- Access controls and authentication
- Regular security monitoring
However, no system is completely secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your information only as long as necessary to:
- Provide the Service
- Comply with legal obligations
- Resolve disputes
When you delete your account:
- Personal data is deleted or anonymized within a reasonable timeframe
- Some data may be retained as required by law
8. International Data Transfers
Your information may be processed and stored in countries outside your jurisdiction, including the United States.
We take appropriate safeguards (e.g., contractual protections) to ensure your data remains protected.
9. Your Rights
Depending on your location, you may have rights to:
- Access your personal data
- Correct inaccurate data
- Request deletion of your data
- Withdraw consent
- Request data portability
To exercise these rights, contact us at: info@spendify.ca.
10. Children's Privacy
Spendify is not intended for individuals under the age of 13. We do not knowingly collect personal data from children.
11. Third-Party Links and Services
Our Service may link to third-party services. We are not responsible for their privacy practices.
12. Changes to This Privacy Policy
We may update this policy from time to time. Changes will be posted on this page with an updated “Last updated” date.
13. Contact Us
If you have any questions or requests regarding this Privacy Policy, contact us at:
Email: info@spendify.ca
14. Summary (Plain Language)
- We collect data to run and improve Spendify
- Your financial data is used only to provide the service
- We do not sell your data
- You control your data and can request deletion
- Security is important to us, but no system is perfect
