Your privacy matters to me!
We use world-class security measures and trusted partners to keep your financial data safe and private.
We use Plaid, a trusted financial technology company, to securely connect your bank accounts with read-only access.
We never sell your personal or financial data to third parties. Your information is used only to provide our budgeting service and to send the emails described below.
You can request to see, update, or delete your data at any time. Contact us at for assistance.
Ask Spense answers questions about your own budget, spending, accounts and goals. It is off until you turn it on, and you can stop using it at any time.
When you ask a question, Spense sends your question, and only the figures from your Spense data needed to answer it (such as category totals, transaction amounts, merchant names and dates), to Claude, an AI model made by Anthropic. Anthropic acts as our service provider: it processes this data only to produce your answer and, under its commercial terms, does not use it to train its models. Spense never sends your name, email address, notes or full account numbers, and never sends your bank login details.
Your questions and Spense's answers are saved in your account so you can come back to them, until you delete them. You can delete one chat or all of them from Your chats in the app, and deleting your account deletes them too. We also keep a count of how many questions you asked each day and month, to apply the daily and monthly limits, and usage totals (never the text of your questions) to improve Ask Spense.
Ask Spense only reads your data. It never moves money or changes your budget, and its answers are information, not financial advice.
If you have a Spense account with an email address (signed up with Apple, Google or email), we send you up to two emails about your free trial: one two days before it ends (day 12) and one when it ends (day 14). They tell you where your trial stands and how to keep your budget, and nothing else. We don't send them once you subscribe. Each one has an unsubscribe link. If you use Spense without an account, we don't email you.
We only send these if you tick the box to get them. They come about twice a month, and you can unsubscribe at any time with the link in any of them.
We use Resend to send our emails. To do that, we share only:
We never share your balances, transactions, bank accounts, budget or any other financial data with Resend, and none of it goes in our emails.
When you opt in to or out of budgeting tips, or unsubscribe from trial emails, we keep a record of that choice: what you chose, when and where you made it, and for budgeting tips the wording you saw and the app version and platform you used. We keep it for as long as your account exists.
When you delete your Spense account, we also delete your contact at Resend.
To delete your Spense account and all associated data, email us at with the subject line "Account Deletion Request" from the email address associated with your account.
Subscription and payment records managed by Apple App Store or Google Play may be retained by those platforms according to their own data retention policies.
Your data will be permanently deleted within 30 days of your request.
We're committed to transparency about how we handle your data. If you have any questions or concerns about our privacy policy, we're here to help.