Your Privacy

1Introduction

This Privacy Policy explains how Spenzo ("we", "us", "our") collects, uses, shares, and protects your personal and financial information when you use our website, mobile application, and related services (the "Services").

2Data We Collect

• Account data: name, email address, phone number, and password (stored encrypted).
• Financial data: income, expenses, savings goals, and category-wise spending you choose to log.
• Usage data: device type, app version, screens visited, and feature interactions.
• AI chat data: messages you send to the Spenzo AI assistant and the responses generated for you.
• Support data: any details you share with us when contacting support.

3How We Use Your Data

We process your data to:

• Calculate personalized budget splits, savings rates, and investment suggestions.
• Operate core features like expense tracking, smart splitting, and goal planning.
• Detect and prevent fraud, abuse, or unauthorized account access.
• Send essential account and service notifications.
• Improve Spenzo's features through aggregated, anonymized usage analysis.

We do not sell your personal or financial data to advertisers or data brokers.

4AI Chat & Your Data

Spenzo's AI assistant uses the financial data you've logged to generate contextual answers — for example, telling you whether you can afford a purchase this month. Conversations may be processed by third-party AI infrastructure providers under strict data-processing agreements, and are never used to train models on an identifiable basis without your consent.

5Data Sharing

We share limited data only with trusted service providers who help us operate the Services — such as cloud hosting, analytics, and payment processors — under contracts that restrict their use of your data to the purpose we specify.

We may disclose information when required by law, legal process, or to protect the rights, property, or safety of Spenzo, our users, or the public. We do not share your data for third-party advertising purposes.

6Data Storage & Retention

Data is stored on secure cloud infrastructure with encryption applied both in transit and at rest.

7Security

We apply industry-standard safeguards including encryption, access controls, and regular security reviews to protect your information. While we work hard to keep your data safe, no online service can guarantee absolute security.

8Cookies & Tracking

We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how Spenzo is used so we can improve it. You can manage cookie preferences through your browser settings at any time.

9Your Rights & Choices

Depending on your location, you may have the right to:

• Access or request a copy of the personal data we hold about you.
• Correct inaccurate or outdated information.
• Request deletion of your account and associated data.
• Opt out of non-essential communications at any time.
• Withdraw previously given consent for optional data processing.

To exercise any of these rights, contact us using the details in Section 13.

10Children's Privacy

Spenzo is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us so we can remove it.

11International Users

Spenzo primarily serves users in India, and data may be processed or stored on servers located in India or other countries where our infrastructure providers operate. By using the Services, you consent to this transfer and processing in accordance with this Policy.

12Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Material changes will be communicated via email or an in-app notice before they take effect.

13Contact Us

For privacy-related questions, requests, or concerns, reach out to us at contacttosupport@gmail.com or through the in-app support chat.