Privacy Policy

Last updated: January 2025

1. Introduction

Expenvisor ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

2. Information We Collect

2.1 Financial Data

  • Expense and income transaction amounts, categories, merchants, and descriptions
  • Transaction dates and timestamps
  • Category preferences you create

2.2 Voice Recordings

We temporarily process voice recordings for expense entry using iOS speech recognition. Voice data is:

  • Processed locally on your device using Apple's speech recognition
  • Not stored on our servers or by third parties
  • Converted to text before being used for transaction parsing

2.3 Device Information

  • Device model and iOS version (for analytics)
  • App version and usage patterns
  • Crash reports and performance data (via Apple's crash reporting)

3. How We Use Your Information

3.1 Primary Uses

  • Process and categorize your financial transactions
  • Convert voice input to text for transaction logging
  • Use AI to parse natural language into structured transactions
  • Store your data locally on your device using Core Data

3.2 AI Processing

When you use AI features (chat or transaction parsing), the text you provide is sent to OpenAI for processing:

  • Only the transaction text is sent (no personal identifiers)
  • OpenAI processes the text to extract transaction details
  • OpenAI does not store your transaction data
  • You can disable AI features in Settings at any time

4. Third-Party Services

4.1 OpenAI (Optional)

We use OpenAI's API for enhanced AI processing of transactions:

  • Only transaction text is sent to OpenAI (no personal data)
  • Data is used solely for parsing transactions into structured format
  • OpenAI does not store your transaction data (per their privacy policy)
  • You can disable AI features in Settings if preferred
  • Data transmission is encrypted via HTTPS

4.2 Apple Services

  • Speech Recognition: Uses Apple's on-device speech recognition for voice input
  • Core Data: Uses Apple's Core Data framework for local data storage
  • Analytics: Uses Apple's App Store analytics (anonymous usage data)
  • Crash Reporting: Uses Apple's crash reporting service

5. Data Storage & Security

5.1 Local Storage

  • All financial data is stored locally on your device using Core Data
  • Data is encrypted using iOS security features
  • Your financial data never leaves your device unless you explicitly choose to export it

5.2 Security Measures

  • Relies on iOS security features and device passcode
  • All stored data is encrypted at rest
  • Only you can access your financial data
  • Data may be included in device backups (encrypted)

6. Your Rights (GDPR/CCPA)

6.1 Right to Access

You can view all your personal data through the app settings.

6.2 Right to Rectification

You can correct inaccurate data directly in the app.

6.3 Right to Erasure

You can delete your account and all associated data at any time.

6.4 Right to Portability

You can export your data in CSV or PDF format.

6.5 Right to Object

You can opt-out of certain data processing activities.

6. Children's Privacy

Expenvisor is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

7. Data Retention

7.1 Local Data

  • Data is stored locally on your device until you delete it
  • No automatic data deletion
  • Data may be included in device backups (encrypted)

7.2 Third-Party Data

  • Transaction text sent to OpenAI is not stored by OpenAI
  • Anonymous usage data retained per Apple's policies

8. International Users

Expenvisor is designed for global use. Data processing occurs on your device, ensuring compliance with local privacy laws including GDPR, CCPA, and other regional regulations.

9. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of any material changes by:

  • Posting the new Privacy Policy in the app
  • Sending an in-app notification
  • Updating the "Last updated" date

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: privacy@expenvisor.com

Website: https://expenvisor.com

Response Time: Within 30 days

11. Compliance

This Privacy Policy complies with:

  • Apple App Store Guidelines
  • General Data Protection Regulation (GDPR)
  • California Consumer Privacy Act (CCPA)
  • Children's Online Privacy Protection Act (COPPA)

Your privacy is our priority. We're committed to protecting your financial data and providing transparency about our practices.