1. What we collect

Account basics (name, email, country/region) to sign you in and set your default currency. Transaction data — merchant, amount, date, category — extracted from receipts, bank SMS and UPI emails you connect. Push notification tokens if you enable alerts. We collect basic diagnostic data to keep the app stable. You can delete your complete data at any time.

2. How parsing works

When you connect SMS or email access, message text is sent securely to OwlSpend's servers for parsing into structured expense entries. A review item — including the original message for your reference — is stored under your account until you act on it; only you can see it. Receipt images you scan are sent to our AI receipt-parsing service (Google Cloud) to extract merchant, amount and date, then stored in your private account storage — never shared with anyone else and always yours to delete.

3. How we use your data

To categorize spending, generate budgets and insights, and sync your ledger. We never use your financial data for advertising, and we don't build profiles for third parties.

4. Sharing

We don't sell, rent or trade your data. For Pro subscribers, payments are processed by Razorpay — we share only your order amount and a transaction identifier with them, never card numbers or bank credentials. Receipt images are processed by Google Cloud (Document AI). All sub-processors operate under contract and only receive what's needed to run the service — or when legally required.

5. Your controls

Revoke SMS or email access anytime from device settings. Export your data, or delete your account and everything tied to it, from within the app. Deletion is permanent.

6. Contact

Questions about privacy? Reach us at privacy@owlspend.shop.