SaySpend - AI Expense Tracker Legal pages for GitHub Pages deployment
Privacy Policy

Your money log stays intentionally small.

SaySpend is designed as a lightweight, voice-first expense tracker. This Privacy Policy explains what information the app handles, when data stays on your device, when limited data is sent to external services to power AI parsing and AI reports, and what optional syncing features are available.

Last updated June 29, 2026
Accounts No sign-up or in-app account is required.
Current app model Local-first storage, optional iCloud sync, StoreKit purchases.

1. Information we handle

SaySpend handles information that is necessary to create, organize, and sync your expense records. Depending on the features you use, this may include:

  • Expense and income records you create manually or confirm after AI parsing, including title, amount, category, date, notes, and source text.
  • Receipt photos or other attachments you choose to add to a record. When iCloud Sync is enabled, supported attachment files may also sync through your private Apple iCloud account.
  • Text you speak or type when using voice input or manual input.
  • Text recognized from receipt images. Receipt OCR itself is performed on-device using Apple frameworks before any text is sent for AI parsing.
  • When you request an AI spending report, selected expense and income records from the report period, including titles, amounts, dates, categories, currency, summary metrics, budget information, locale, and custom category names.
  • Recurring bill and reminder plans you create, including cadence, next due date, reminder time, lead time, completion or skipped status, custom categories, app preferences, notification preferences, profile display name and bio, widget snapshot data, and purchase entitlement state.
  • Limited purchase and transaction status information provided by Apple through StoreKit so the app can unlock SaySpend Premium features.
Important detail about receipts

SaySpend performs optical character recognition on-device. When you use AI receipt or bill parsing, the extracted text and a compressed copy of the receipt, bill, or payment screenshot you choose to scan may be sent to the parsing service after you allow AI data sharing.

2. How we use information

We use information handled by SaySpend to operate the app and deliver the features you request.

  • To create, store, edit, display, and delete your records on your device.
  • To generate summaries, widgets, charts, and insights from your saved records.
  • To request microphone, speech recognition, photo library, camera, notification, and iCloud access only when you use features that require them.
  • To process natural-language text and OCR-extracted receipt text through the AI parsing pipeline so the app can suggest structured entries.
  • To generate optional AI weekly or monthly spending reports from the records and summary metrics you choose to analyze.
  • To sync supported records, attachment files, recurring bill plans, custom categories, and selected profile and preference data through iCloud when you enable iCloud Sync.
  • To confirm and restore your paid SaySpend Premium access through Apple.

3. External services, AI processing, and sharing

SaySpend does not sell your personal data. The app does, however, rely on a small number of third-party services when specific features are used.

  • Apple services. Apple may process microphone, speech recognition, iCloud, notification, and purchase-related data according to Apple's own terms and privacy policies.
  • Cloudflare Workers. AI parsing requests are routed through a SaySpend-operated Cloudflare Worker endpoint.
  • Xiaomi MiMo. The current AI parsing backend forwards parsing requests to Xiaomi MiMo to transform text and, for receipt or bill scanning, compressed images into structured expense data.

Before SaySpend sends data to the AI processing pipeline, the app displays an AI Data Sharing Consent screen that explains what data may be sent, identifies the processing services, describes the purpose of processing, and lets you decline. You can withdraw AI data sharing consent later in Settings.

In the current implementation, the information shared externally for AI parsing may include the text you speak or type, compressed receipt or bill images you choose to scan, OCR text recognized from those images, merchant names, amounts, dates, categories, notes, currency, locale, custom category names, current time, and an anonymous install ID. For AI reports, SaySpend may send expense and income records from the selected report period, including titles, amounts, dates, categories, currency, summary metrics, budget information, locale, custom category names, and an anonymous install ID. Payment card details are handled by Apple, not by SaySpend.

We expect the third-party services we use for AI processing and infrastructure to protect data under their applicable terms, privacy commitments, and security practices. We do not use third-party AI services to sell your personal data or serve behavioral advertising.

No advertising SDKs in the current version

Based on the current app implementation, SaySpend does not include third-party advertising SDKs and does not include behavioral analytics tracking inside the app.

4. Storage, sync, and retention

SaySpend is local-first. Most app data is stored on your device. Some features add optional syncing or external processing:

  • Local storage. Records, recurring bill plans, reminder settings, custom categories, widgets, avatars, and attachments are stored on-device so the app can work locally.
  • Optional iCloud sync. If you enable iCloud Sync, supported expense record data, attachment files, recurring bill plans, custom categories, profile details, avatar image, currency selection, and budget settings may sync through your private Apple iCloud account using CloudKit.
  • Widget data. Widget snapshot data is stored in a local shared app group so the widget extension can render current summaries.
  • Notifications. If you enable reminders, the app stores your notification preferences and recurring bill reminder schedule on your device and uses them to schedule local notifications.

You can delete records from inside the app, disable notifications, disable iCloud Sync, or uninstall the app. Copies that are stored or processed by Apple or other service providers may be retained under their own policies for a limited time.

5. Your choices

  • You can use core parts of SaySpend without creating an account.
  • You can deny microphone, speech recognition, photo library, camera, notifications, or iCloud permissions, but related features may not work.
  • You can disable iCloud Sync in Settings. In the current implementation, changes to the iCloud setting apply on next app launch.
  • You can decline AI data sharing before AI parsing or AI report generation, and you can withdraw AI data sharing consent later in Settings.
  • You can review AI-generated results before saving them.
  • You can delete records and clear stored data from within the app.

6. Children

SaySpend is not directed to children under 13. If you believe a child has provided personal information through the app, please use the support contact listed on the App Store page or your product support channel.

7. Policy updates

We may update this Privacy Policy from time to time as the app evolves. If we make material changes, we will update the date at the top of this page and, when appropriate, update links inside the app or the App Store listing.

8. Contact

For privacy questions, data requests, or support, please use the developer contact method listed on the App Store page for SaySpend - AI Expense Tracker.