Privacy Policy

Effective date: March 28, 2026  ·  Last updated: March 28, 2026

The short version: SpendPal processes your financial data entirely on your device using Apple's Vision framework. We never upload your screenshots or financial data to any server. We don't have access to it. Period.

1. Introduction

HAW Labs ("we", "us", "our") operates the SpendPal: Money Manager mobile application (the "App"). This Privacy Policy describes how we collect, use, and protect your information when you use the App.

By using SpendPal, you agree to the collection and use of information as described in this policy. If you do not agree, please do not use the App.

2. Information We Collect

Data you provide directly

  • Transaction data you enter manually or import via screenshot
  • Account and card names and nicknames you create
  • Categories, tags, budgets, and preferences you set

Data processed on your device

When you use the screenshot import feature, the selected image is processed entirely on your device using Apple's Vision framework for on-device optical character recognition (OCR). Specifically:

  • Screenshots you select for import are never uploaded to any server — not ours, not anyone else's
  • Text recognition (extracting amounts, dates, and merchant names) happens locally on your device
  • Extracted transaction data is stored only on your device and, if enabled, in your private iCloud account

Data collected automatically

  • Crash reports: Basic analytics for app stability via Apple's built-in crash reporting system. This may include device model, iOS version, and stack trace information. No financial data is included.
  • Advertising data (free tier only): For free tier users, Google AdMob may collect device identifiers and usage data for advertising purposes, subject to your App Tracking Transparency (ATT) consent choice. If you decline tracking, only non-personalized ads are shown. Premium subscribers do not see ads.

3. How We Use Your Information

  • To provide the core app functionality — tracking transactions, managing budgets, and generating reports
  • To sync your data across your Apple devices via iCloud (Apple CloudKit), if you enable this feature
  • To display ads to free-tier users via Google AdMob

We do not sell, share, rent, or transfer your financial data to any third party for any purpose.

We do not have access to your financial data — it exists only on your device and in your private iCloud container. We cannot see it, access it, or use it.

4. Data Storage and Security

  • All financial data is stored locally on your device in the App's private storage
  • If iCloud sync is enabled, your data is synced via Apple's CloudKit, which encrypts data in transit and at rest
  • We do not operate any servers that store your personal or financial data
  • Your iCloud data is protected by your Apple ID credentials and Apple's security infrastructure

5. Third-Party Services

SpendPal integrates the following third-party services. Each is governed by its own privacy policy:

  • Apple CloudKit (iCloud sync) — used for optional cross-device data sync. Governed by Apple's Privacy Policy.
  • Google AdMob — used to display banner ads to free-tier users. May collect device identifiers and usage data, subject to your ATT choice. Governed by Google's Privacy Policy.
  • RevenueCat — used to manage in-app subscriptions and verify purchase receipts. Governed by RevenueCat's Privacy Policy.

We do not share your financial data with any of these services. RevenueCat receives only purchase receipt data from Apple, not your financial tracking data.

6. Your Choices and Rights

  • iCloud sync: You can disable iCloud sync at any time in the App's Settings screen. Your data will remain on-device only.
  • Ad tracking: You can opt out of personalized ads via iOS Settings → Privacy & Security → Tracking, or by revoking SpendPal's tracking permission.
  • Deleting local data: Delete the App from your device to permanently remove all locally stored financial data.
  • Deleting iCloud data: Go to Settings → [Your Name] → iCloud → Manage Storage → SpendPal → Delete Data to remove iCloud-synced data.
  • Data inquiries: You can contact us to request information about what data we may hold. Reach us at [email protected].

7. Children's Privacy

SpendPal is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us at [email protected] and we will take steps to delete such information.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes through an in-app notice or by posting a prominent notice on our website. The "Last updated" date at the top of this page reflects when the policy was most recently revised.

Your continued use of SpendPal after any changes to this policy constitutes your acceptance of the updated terms.

9. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

We aim to respond to all privacy-related inquiries within 5 business days.