Spendexa Smart ("we", "our", or "the App") is a personal bookkeeping application designed to help users record, organize, and manage their daily financial information.
We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we process, how we use and protect it, and how users can request account and data deletion.
By accessing or using Spendexa Smart, you acknowledge that you have read and understood this Privacy Policy.
Information We Process
Account Information
When you register for or log in to Spendexa Smart, we process your mobile phone number.
Your mobile phone number is used for:
Account registration
Login verification
Account identification
Account security
Preventing unauthorized access
We do not use your mobile phone number for advertising, marketing, or unrelated purposes.
Local Bookkeeping Content
Spendexa Smart allows users to create and manage personal bookkeeping records.
Bookkeeping information created by users, such as amounts, categories, notes, and related records, is stored locally on the user's device.
Spendexa Smart does not upload or transmit locally stored bookkeeping content to our servers or share such content with third parties.
Users manage their locally stored bookkeeping information directly on their device. Deleting the App or clearing App data may remove locally stored bookkeeping content.
Google Advertising ID
Where available and permitted, Spendexa Smart may process the Google Advertising ID (AD_ID) provided through Google Play services.
The Advertising ID may be used only for:
Account security
Fraud prevention
Detecting abnormal or suspicious activity
Protecting users and the integrity of the App
The Advertising ID is not used for:
Personalized advertising
Targeted advertising
Behavioral advertising
Marketing
Advertising profiling
Spendexa Smart does not use the Advertising ID to serve personalized advertisements to users.
Network and Technical Information
Spendexa Smart uses internet connectivity to communicate with our servers for account registration, login verification, account security, and reliable service operation.
When the App communicates with our servers, limited network and technical information, such as IP address and network connection information, may be processed where necessary for:
Providing registration and login services
Maintaining account security
Detecting abnormal activity
Preventing fraud and misuse
Troubleshooting technical issues
Maintaining reliable App operation
We do not use this information for unrelated advertising or marketing purposes.
How We Use Information
We may use information described in this Privacy Policy to:
Create and maintain user accounts
Provide mobile phone registration and login services
Verify account access
Identify and authenticate users
Protect accounts from unauthorized access
Detect and prevent fraud, misuse, and abnormal activity
Maintain App functionality and reliability
Diagnose and resolve technical issues
Respond to user support requests
Comply with applicable legal, regulatory, and platform requirements
Locally stored bookkeeping content is processed on the user's device to provide bookkeeping and record-management features.
We do not sell users' personal information or use account and security information for unrelated advertising or marketing purposes.
Information Sharing
We do not sell, rent, or trade users' personal information.
We may disclose limited personal information only when reasonably necessary:
To service providers that support account verification, hosting, technical infrastructure, security, or fraud prevention on our behalf
To comply with applicable laws, regulations, legal processes, or lawful government requests
To protect the rights, safety, security, and integrity of users, Spendexa Smart, or our services
To investigate fraud, misuse, security incidents, or other unlawful activity
Service providers may process information only as necessary to provide the relevant services.
The Google Advertising ID is not shared with advertising networks for personalized, targeted, or behavioral advertising.
Locally stored bookkeeping content is not shared with third parties through our servers.
Data Security
We apply reasonable technical and organizational safeguards designed to protect account-related and technical information against unauthorized access, misuse, disclosure, alteration, or loss.
We take reasonable measures to protect information transmitted between Spendexa Smart and our servers.
However, no method of electronic transmission or storage can be guaranteed to be completely secure.
We retain account-related information only for as long as reasonably necessary to:
Provide account and login services
Maintain account security
Prevent fraud and misuse
Handle user requests
Resolve disputes
Maintain service integrity
Comply with applicable legal or regulatory requirements
Security-related identifiers and technical information are retained only for as long as reasonably necessary for the purposes described in this Privacy Policy.
When information is no longer required, it will be deleted, anonymized, or otherwise handled in accordance with applicable requirements.
Locally stored bookkeeping content remains on the user's device until the user deletes it, clears App data, or removes the App.
Account and Data
Deletion
Users may submit an account or data deletion request by contacting us at:
Email: service@spendexasmart.com
The request should include sufficient information, such as the registered mobile phone number, to help us verify that the request is being made by the registered account holder.
After account ownership is verified, the user's account will be permanently closed and eligible associated personal information will be deleted or anonymized within a reasonable period.
Account deletion may include deletion or anonymization of:
Registered mobile phone number
Account identification information
Login-related information
Eligible account-related records
Because bookkeeping content is stored locally on the user's device, users may remove local bookkeeping information by:
Deleting individual records within the App
Clearing App data
Uninstalling the App
Certain information may be retained where reasonably necessary for:
Legal or regulatory compliance
Fraud prevention
Security investigations
Dispute resolution
Protection of users or service integrity
Establishment, exercise, or defense of legal claims
Any retained information will be limited to what is reasonably necessary for the applicable purpose.
User Privacy Choices
Users may contact us to request access to, correction of, or deletion of eligible personal information associated with their account.
Where supported by the Android operating system, users may also manage or reset certain device identifiers through their device settings.
Privacy-related requests may be submitted to:
Email: service@spendexasmart.com
We may request reasonable verification before processing a privacy-related request in order to protect user accounts and personal information.
Children's Privacy
Spendexa Smart is not intended for children under the minimum age required to independently use such services under applicable law.
We do not knowingly collect personal information from children in violation of applicable legal requirements.
If we become aware that personal information has been collected from a child where parental or other legally required authorization was not obtained, we will take reasonable steps to delete the information.
Changes to This Privacy
Policy
We may update this Privacy Policy from time to time to reflect changes in App features, technology, legal requirements, or our privacy practices.
When this Privacy Policy is updated, the latest version will be made available through the App or an appropriate publicly accessible service page.
Contact Us
If you have questions about this Privacy Policy, your personal information, account deletion, or our data handling practices, please contact us at:
Email: service@spendexasmart.com