Privacy Policy
SpendPulse never sends your financial data anywhere. No bank connection, no cloud sync, no analytics server.
What we collect
SpendPulse stores the following on your iPhone only, via Apple's SwiftData (the same storage layer Apple's own Health and Journal apps use):
- Transactions you record (amount, currency, category, optional mood, optional memo, optional merchant, date)
- Savings goals you create (title, target, current, optional deadline)
- App preferences (selected currency, onboarding state, biometric lock toggle, recent-categories order)
None of this leaves your device.
What we don't collect
- No name, email, phone number, or account — SpendPulse has no login.
- No bank credentials, no plaintext credit card numbers.
- No advertising identifiers (IDFA), no third-party analytics.
- No telemetry or crash reports unless you explicitly send one through TestFlight.
Apple Intelligence (iOS 26+)
When the device supports Apple Intelligence (iOS 26 and later), SpendPulse uses Apple's on-device Foundation Models to generate the Weekly Pulse and category classification suggestions. Those models run locally — Apple's documentation describes the privacy architecture. SpendPulse does not opt into Private Cloud Compute for any feature; everything is on-device.
Subscriptions and payments
Subscription purchases are handled by Apple's StoreKit. Apple receives only what it needs to process the payment; SpendPulse receives a receipt to verify your active entitlement. We do not see your billing info.
Your rights
- Access: All your data is already on your device. The Settings → Export feature produces a CSV copy.
- Delete: Uninstalling SpendPulse permanently removes all stored data. Individual transactions and goals can be deleted in-app.
- No portability concerns: Your data was never on our servers; we have nothing to hand over.
Children
SpendPulse is rated 4+ and is suitable for any age, but is designed for adults managing their own spending. We do not knowingly collect data from children.
Changes to this policy
If we ever start collecting data — for example, an opt-in cloud sync — we will update this policy and prompt you in-app before any change takes effect. The current policy is dated at the top.
Contact
Questions: jimmy@junsoft.org