Last updated: June 1, 2026

Spendly is built by Rick (a sole developer) and treats your data the same way I'd treat my own: with as little exposure as possible.

This page explains exactly what Spendly does with the information you generate while using the app. If anything here is unclear or you want something changed, email [email protected] and I'll respond personally.

TL;DR

• Your projects, expenses, income entries, receipt images, and notes live in your own iCloud private database. I cannot read them. No Spendly server stores this data.
• Receipt images on the Cloud OCR path are sent over HTTPS to my proxy server (which forwards them to Google's Gemini API), processed, and immediately discarded — not stored. This only happens when you turn Cloud OCR on (it's off by default).
• Analytics is off by default. When you opt in (Menu → Privacy), the app sends anonymous, hashed event names (like receipt_scanned) — no amounts, no vendor names, no receipt content.
• No login. No account. No advertising. No data resold.
• You can export everything you've ever entered (Menu → Data → Export everything) or delete everything (Menu → Data → Delete all data) at any time.

What Spendly stores, and where

On your device + your iCloud account (private to you)

Spendly stores the data you enter using Apple's SwiftData + CloudKit private database. This means it syncs across your iPhones/iPads via your own iCloud account, encrypted by Apple. I have no access — not me, not any server I run.

This includes:

• Project names, types, budgets, dates
• Expenses (vendor, date, amount, category, payment method, location, notes, tags)
• Income entries
• Receipt images (when you capture or import them)
• Mileage entries with start/end addresses
• Custom categories and tag colors you create
• App preferences (theme, currency, mileage rate, OCR mode)