Privacy Policy

01The short version

Spendhog is a tool for seeing your own money clearly. We ask for as little as possible, we never sell your data, and the AI assistant is off until you turn it on. This page explains what we collect and why, in plain language.

02What we collect

Only what Spendhog needs to work for your household:

• Account details you create: your email and the members you invite.
• The financial data you add or import: accounts, budgets, transactions, categories and goals. You enter or upload this yourself; Spendhog does not connect to your bank without your action.
• Basic usage and device information, so we can keep the product fast and fix problems.

03How we use it

We use your data to run the features you see: dashboards, budgets, forecasts and reports. We use aggregated, anonymised statistics to improve Spendhog. We do not use your individual transactions for advertising, and we never sell them.

04The AI assistant

The “ask your finances” assistant is disabled by default and only runs with your explicit consent. When enabled, it works from summaries, not your individual movements, and you can turn it off at any time.

05Sharing and household members

Members you invite see the household data according to their role (owner, editor or viewer). We share data with service providers who help us run Spendhog (such as hosting) under strict confidentiality, and only as needed to provide the service. We may disclose data if the law requires it.

06Storage and security

Your data is encrypted in transit and at rest, and access is limited to what is necessary to operate the service. We keep your data for as long as your account is active, and delete or anonymise it after you close your account, unless we must keep records to meet legal obligations.

07Your rights

You can access, correct, export or delete your data at any time from your account, or by contacting us. If you are in the EU or Switzerland, you also have the rights granted by the GDPR and the Swiss FADP, including the right to object and to lodge a complaint with your data-protection authority.

08Changes to this policy

As Spendhog is in early access, this policy may change as the product grows. We will update the date at the top and, for material changes, let you know inside the app.