SpendPadi Privacy Policy

1. Introduction

SpendPadi ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and share your information when you use our WhatsApp-based expense tracking service, AI tools, and integrations (such as Google Sheets).

By using SpendPadi, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We collect the following types of information:

Information You Provide

• Expense details you submit through WhatsApp (text or voice)
• Responses and clarifications you provide during interactions
• Information provided when contacting support

Automatically Collected Data

• Transaction logs generated by our AI
• Metadata such as timestamps of entries
• Usage data, including reports requested and frequency of use

Third-Party Integrations

• Google Sheets/Drive: If you connect your Google account, SpendPadi may access, store, and write financial transaction logs to your connected spreadsheet(s).
• WhatsApp: We receive the messages or voice notes you send to our official WhatsApp channel.

3. Financial Data

SpendPadi processes financial transaction details (including amounts, categories, notes, and dates) solely to provide you with expense tracking and reporting services.

4. How We Use Your Information

We use your data to:

• Process, analyze, and log expenses using AI
• Provide you with instant reports and summaries of spending
• Sync and update your Google Sheets or Drive if connected
• Improve the accuracy and functionality of our service
• Communicate with you regarding updates, support, and notices

Each use is based on a legal basis under applicable law (e.g., contract to deliver the service, legitimate interest to improve functionality, or consent where required).

5. Google User Data Compliance

Data We Access

• Google Sheets files you explicitly select (read/write access)
• Google Drive file metadata (only to locate and update the Sheets you choose)

How We Use This Data

• To log your expenses from WhatsApp into your chosen Google Sheet
• To update and organize expense records for accurate reporting

What We Do Not Do

• We do not sell, rent, or share your Google data with advertisers or other third parties
• We do not use your Google data for advertising or marketing purposes
• We only access the files you explicitly select and only for the purposes of providing SpendPadi's core functionality

User Control

You may revoke SpendPadi's access to your Google Account at any time by visiting your Google Account Permissions. Once revoked, we will no longer be able to access or update your Sheets/Drive data.

Related Policies

• Google Terms of Service
• Google Privacy Policy
• Google API Services User Data Policy

6. How We Share Your Information

We do not sell your personal information.

We may share data only in these limited circumstances:

• With Service Providers: Vendors who help us deliver the Service (e.g., hosting, AI processing)
• Legal Obligations: If required by law, regulation, or legal process
• Business Transfers: If SpendPadi is acquired, merged, or restructured, data may be transferred as part of the transaction

7. Data Retention

• WhatsApp messages and expense logs are retained only as long as necessary to process your transactions and provide reports (typically no longer than [insert timeframe, e.g., 90 days], unless required by law)
• Google Sheets data remains in your account until you delete it or revoke our access
• We may retain anonymized or aggregated data for analytics and research, which does not identify you

8. International Data Transfers

If you access SpendPadi from outside our primary operating country ([Insert Jurisdiction, e.g., Nigeria]), your information may be transferred and processed in other countries, including those with different data protection laws.

Where required, we rely on Standard Contractual Clauses (SCCs) or equivalent legal mechanisms to protect your data when transferred internationally.

9. Data Security

We implement appropriate technical and organizational safeguards to protect your data. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Data Breach Notification

In the unlikely event of a data breach that may affect your personal information, we will notify you without undue delay and, where legally required, inform the relevant supervisory authorities.

11. Your Rights

Depending on your jurisdiction, you may have rights such as:

• Accessing, correcting, or deleting your personal data
• Revoking Google account access at any time
• Withdrawing consent for data processing
• Requesting a copy of the data we hold about you
• Lodging a complaint with your local data protection authority (e.g., the Nigeria Data Protection Commission (NDPC), if you are based in Nigeria)

To exercise these rights, contact us at [email protected].

12. Children's Privacy

SpendPadi is not directed to individuals under 18 years of age. If you are under the minimum age of digital consent in your country (13–16 depending on jurisdiction), you may only use SpendPadi with parental or guardian consent.

13. Third-Party Services

• WhatsApp: Your messages are processed via WhatsApp, governed by WhatsApp's Privacy Policy
• Google: If you integrate your Google account, you are also subject to Google's Privacy Policy, Terms of Service, and API Services User Data Policy

14. Changes to this Policy

We may update this Privacy Policy from time to time. Updates will be communicated via email, WhatsApp message, or by posting a revised version on our website with a new "Effective Date." Continued use of the Service means you accept the updated policy.

15. Contact Us