Spendcal Privacy Policy
Effective Date: February 27, 2026
Last Updated: February 27, 2026
Spendcal ("we", "our", or "us") respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, and protect your information when you use Spendcal’s website, applications, and services (the "Service").
By using the Service, you agree to this Privacy Policy.
1. Overview
Spendcal is a personal expense tracking and financial analytics tool that processes user-uploaded financial transaction data.
Spendcal:
- Does not connect directly to your bank accounts
- Does not access banking credentials
- Does not initiate financial transactions
- Does not sell personal financial data
All financial data processed by Spendcal is uploaded voluntarily by users.
2. Information We Collect
A. Account Information
When you create an account, we may collect:
- Name
- Email address
- Authentication credentials (encrypted)
- Account preferences
B. User-Uploaded Financial Data
When you upload CSV files or transaction records, we may process:
- Transaction descriptions
- Dates
- Categories
- Transaction amounts
- Account labels
- Notes you add
This data is used solely to provide the Service.
C. Technical & Usage Data
We may collect limited technical information such as:
- IP address
- Browser type
- Device type
- Log data
- Pages visited
- Session activity
This data helps us maintain security and improve performance.
D. Cookies
Spendcal may use cookies or similar technologies to:
- Maintain login sessions
- Remember preferences
- Improve functionality
- Analyze usage patterns
You may disable cookies in your browser settings, though some features may not function properly.
3. How We Use Your Information
We use your information to:
- Provide transaction categorization and analytics
- Operate and maintain the Service
- Improve categorization accuracy
- Respond to support requests
- Detect fraud or abuse
- Communicate important updates
We do not use your financial data for advertising.
4. AI & Automated Processing
Spendcal may use automated systems, including machine learning models, to:
- Categorize transactions
- Generate financial summaries
- Suggest improvements
Automated processing is performed solely to deliver core functionality.
Users remain responsible for verifying outputs.
5. Data Sharing
We do not sell personal data.
We may share limited data with trusted third-party service providers solely to operate the Service, such as:
- Cloud hosting providers
- Database providers
- Payment processors (e.g., Stripe)
- Email service providers
- Analytics services
These providers are contractually obligated to safeguard your data.
We may disclose data if required by law or legal process.
6. Data Storage & Security
We implement reasonable technical and organizational safeguards, including:
- Encryption in transit (HTTPS)
- Access controls
- Secure hosting environments
- Encrypted credential storage
However, no system is completely secure. You use the Service at your own risk.
7. Data Retention
We retain personal data:
- While your account is active
- Until you request deletion
After account deletion:
- Personal data will be deleted within a reasonable timeframe
- Backup copies may be retained temporarily for security purposes
We retain transaction records only as long as necessary to provide the Service.
8. Your Privacy Rights
Depending on your location, you may have the right to:
- Access your personal data
- Correct inaccurate data
- Delete your data
- Export your data
- Restrict processing
- Withdraw consent where applicable
Residents of Canada are protected under the Personal Information Protection and Electronic Documents Act (PIPEDA).
If you are located in the European Economic Area (EEA), you may have additional rights under the General Data Protection Regulation (GDPR).
To exercise your rights, contact us at:
beonit.ca@gmail.com
9. International Data Transfers
Your data may be processed in Canada or other jurisdictions where our service providers operate.
Where required, we use appropriate safeguards to protect international data transfers.
10. Children’s Privacy
Spendcal is not intended for individuals under the age of 18.
We do not knowingly collect personal information from children.
11. Changes to This Policy
We may update this Privacy Policy from time to time.
We will notify users of material changes by:
- Updating the "Last Updated" date
- Posting notice within the Service
- Email notification where appropriate
Continued use of the Service constitutes acceptance of the updated policy.
12. Contact Information
If you have questions about this Privacy Policy or your data, please contact:
Spendcal
Email: beonit.ca@gmail.com
Location: British Columbia, Canada