Privacy & Compliance

Spendro Privacy Policy

Effective Date: October 28, 2025
Last Updated: October 28, 2025

Welcome to Spendro (“we”, “our”, or “us”). We respect your privacy and are committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable laws of Ontario and Canada.

This Privacy Policy explains how we collect, use, disclose, and protect your information when you use the Spendro app, website, and related services (collectively, the “Service”). By using the Service, you consent to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

We may collect personal information that you provide to us directly, including:

  • Your name, email address, and account credentials;
  • Financial records you manually enter (transactions, categories, tags, notes, etc.);
  • Optional location information for automatic transaction suggestions;
  • Communications you send to us, such as support requests or feedback.

1.2 Information Collected Automatically

We may automatically collect:

  • Device data (model, OS version, language, timezone, IP address);
  • App usage data (clicks, screens viewed, frequency of use);
  • Location data (if permission is granted);
  • Cookies or similar technologies for web analytics.

1.3 Information from Third Parties

If you choose to link your bank or financial institution via a third-party provider (e.g. Plaid), we may receive your account name, balance, transactions, and related metadata.

We also use external libraries or datasets of logos or brand names to help you visually identify transaction categories.

2. How We Use Information

We use your personal information to:

  • Provide, maintain, and improve the Service;
  • Manage your account and authenticate your login;
  • Sync and display your transaction and budgeting data;
  • Offer personalized features, reminders, and reports;
  • Ensure security and prevent fraud;
  • Comply with applicable laws and regulations;
  • Communicate updates, promotions, or new features (only with your consent).

We do not sell your personal financial data to third parties.

3. Logo and Trademark Notice

Spendro allows users to create or identify categories using well-known company logos or brand marks (e.g., Apple, Netflix, Amazon).

  • These logos and trademarks remain the property of their respective owners.
  • Spendro does not claim ownership, endorsement, or affiliation with those companies.
  • The logos are displayed for identification and convenience purposes only.
  • Users who upload or use third-party logos are responsible for ensuring they have the necessary rights.
  • If any rights holder requests removal of their logo, Spendro will comply promptly.

4. Data Retention

We retain your personal data only as long as necessary to provide our services or as required by law. When information is no longer needed, we securely delete or anonymize it.

5. Your Rights

You have the right to:

  • Access the personal information we hold about you;
  • Request correction or deletion;
  • Withdraw consent at any time (without affecting previous lawful use);
  • File a complaint with the Office of the Privacy Commissioner of Canada.

Contact us at contact@spendro.ca to exercise your rights.

6. Data Security

We take reasonable administrative, technical, and physical safeguards to protect your information. However, no system is 100% secure, and you acknowledge and accept such risk when using the Service.

7. Children’s Privacy

Spendro is not directed to children under 13. If you believe a child under 13 has provided personal information, please contact us and we will delete it promptly.

8. International Data Transfers

Your data may be processed or stored in Canada or other jurisdictions (such as the United States). We will take reasonable steps to ensure equivalent protection wherever data is processed.

9. Policy Updates

We may update this Privacy Policy periodically. Changes will be posted in-app or on our website, with an updated “Last Updated” date.

10. Contact Us

If you have questions or requests regarding this Privacy Policy, please contact us at contact@spendro.ca.