HomeSpend ("we", "our", or "us") is operated by SmartData IQ. This Privacy Policy explains how we collect, use, and protect your information when you use the HomeSpend mobile application ("App").
We collect only what is necessary to provide the service:
| Data Type | Purpose | Linked to You |
|---|---|---|
| Email address | Authentication and account management | Yes |
| Name and profile photo | Display within your household | Yes |
| Financial transactions | Core app functionality | Yes |
| Receipt photos | Attached to your transactions (optional) | Yes |
| AI request data | Personalized AI chat and spending insights, only after you explicitly allow AI data sharing | Yes |
| Device identifiers | Crash reporting and diagnostics | No |
We do not collect location data, health information, contacts, browsing history, or payment card numbers.
When you use the receipt scanning feature, optical character recognition (OCR) is performed on-device using Apple Vision on iOS or Google ML Kit on Android. The raw image is never sent to an AI provider. It is sent to our Firebase Storage only if you explicitly choose to attach it to a transaction, where it is accessible only to members of your household.
HomeSpend does not send household financial information to an AI provider unless you first choose Allow AI Sharing in the App. Declining does not affect HomeSpend's non-AI features. You can revoke permission at any time under Settings → AI Data Sharing.
When permission is granted and you use AI chat or cloud-generated insights, HomeSpend may send the following to the one AI provider configured to process that request:
AI requests do not include your name, email address, Plaid or bank login credentials, complete account numbers, receipt images, transaction IDs, or raw transaction descriptions. HomeSpend does not use AI request data for advertising or sell it. AI responses are generated only to fulfill the feature you requested.
The configured recipient is one of: Google LLC (Gemini), OpenAI, L.L.C., Anthropic, PBC (Claude), or SmartData IQ's secure hosted AI service (Ollama-compatible models). Only one configured provider processes a given request. We require each AI provider that receives personal data to protect it to the same or an equal level as described in this policy and applicable law.
If you select UnPluggedLM AI in the App, generation occurs locally on your device and the financial summary is not sent to an external AI provider.
We do not sell your personal data. We share data only with the following service providers, strictly to operate the App:
| Service | Purpose |
|---|---|
| Google Firebase / Firestore | Data storage and real-time sync |
| Firebase Authentication | Google and Apple sign-in |
| Firebase Storage | Receipt image storage |
| RevenueCat | Subscription and purchase management |
| Google Gemini, OpenAI, Anthropic, or SmartData IQ hosted AI | AI chat and personalized financial insights, only after explicit user permission |
| Google Analytics | Anonymous website usage analytics (homespend.smartdataiq.com pages only) |
Each provider is bound by their own privacy policies and applicable data protection law.
Financial transactions and household data are scoped to your household. Other members of your household can see the transactions you enter. When you leave a household, your data remains in the household record but your access is removed. You may delete your account at any time from Settings to permanently remove your personal information.
We retain your data for as long as your account is active. If you delete your account, all associated personal data is permanently deleted within 30 days. Household data (transactions, chores, shopping lists) that has been shared with other members may be retained as part of the household record.
All data is transmitted over HTTPS and stored in Google Firebase with role-based security rules. Access to your household data is restricted to authenticated members of that household. We follow industry-standard practices, but no method of transmission or storage is 100% secure.
Our website (homespend.smartdataiq.com) uses Google Analytics (Google tag G-71QJCYKRHM) to collect anonymous information about how visitors interact with our pages — such as pages viewed, time on site, and general geographic region. This data does not identify you personally and is not linked to your HomeSpend account. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
HomeSpend is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.
Depending on your location, you may have the right to access, correct, or delete your personal data. You can:
We may update this policy from time to time. When we do, we will update the "Last updated" date above. Continued use of the App after changes constitutes acceptance of the revised policy.
If you have questions about this Privacy Policy, please contact us at:
SmartData IQ
privacy@smartdataiq.com
homespend.smartdataiq.com/support