Your privacy matters to us
We believe your financial data should be private, secure, and under your control. Here's how we protect your information and respect your privacy. 🐧
Our Privacy Principles
We're committed to transparency and protecting your data with the highest standards.
Bank-Level Security
Your data is encrypted with 256-bit AES encryption, the same standard used by major Canadian banks.
Data Stays in Canada
All your financial data is stored on Canadian servers, subject to Canadian privacy laws.
Read-Only Access
We can only view your transactions. We can never move, spend, or access your money.
What We Collect (And What We Don't)
Transparency about your data is important to us.
Data We Collect
We collect only what's necessary to provide you with the best financial insights.
Transaction Data
Your spending and income information from connected accounts
Account Information
Basic account details (name, type, balance)
App Usage
How you interact with our app to improve features
Data We Don't Collect
Your privacy is our priority. Here's what we never access.
Banking Credentials
We never see your passwords or PINs
Personal Documents
We don't access your ID, SIN, or other sensitive documents
Location Data
We don't track your physical location
How We Use Your Data
We use your data responsibly to provide you with better financial insights.
AI-Powered Insights
We analyze your spending patterns to provide personalized budgeting advice and financial insights.
Smart Notifications
We send you relevant alerts about your spending, budget limits, and financial opportunities.
App Improvement
We use anonymous usage data to improve our app features and user experience.
Security & Fraud
We monitor for suspicious activity to protect your accounts and prevent fraud.
We Don't Sell Your Data
Your financial information is valuable to you, not to advertisers.
Our Business Model
We make money from premium subscriptions, not from selling your data to third parties.
No Data Sales
We never sell your personal or financial information
No Third-Party Ads
We don't show ads from external advertisers
Premium Features
Advanced features are available through paid subscriptions
Your Data, Your Control
You can export, delete, or modify your data at any time through the app settings.
Questions About Privacy?
We're here to help. Contact our privacy team with any questions or concerns.
Full Privacy Policy
Complete details about how we handle your data and protect your privacy.
SPENNY APP - PRIVACY POLICY
SRVC Technologies Inc.
1 King St W, Toronto, ON M5H 1A1
Contact: hello@spenny.app
Last Updated: July 25 2025
1. INTRODUCTION
SRVC Technologies Inc. ("we," "our," or "us") operates the Spenny mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our App. By using our App, you consent to the data practices described in this policy.
2. INFORMATION WE COLLECT
2.1 Personal Information
- Account Information: Name, email address, phone number, and authentication credentials
- Financial Account Information: Account names, types, balances, and transaction data obtained through Plaid Technologies, Inc.
- Budget and Spending Data: Budget categories, spending limits, financial goals, and related preferences you create within the App
- Device Information: Device type, operating system, unique device identifiers, mobile network information
2.2 Automatically Collected Information
- Usage Data: App usage patterns, features accessed, session duration, and interaction data
- Analytics Data: Collected through Google Analytics including demographic information, user behavior, and app performance metrics
- Log Data: IP address, browser type, referring/exit pages, operating system, date/time stamps, and clickstream data
2.3 Cookies and Tracking Technologies
We use cookies, web beacons, and similar tracking technologies to collect information about your use of our App and to provide personalized experiences.
3. HOW WE USE YOUR INFORMATION
We use collected information to:
- Provide, operate, and maintain the App
- Process transactions and manage your account
- Analyze spending patterns and provide budgeting insights
- Improve App functionality and user experience
- Communicate with you about your account and our services
- Comply with legal obligations and prevent fraud
- Send promotional communications (with your consent)
- Provide customer support and respond to your inquiries
4. INFORMATION SHARING AND DISCLOSURE
4.1 Third-Party Service Providers
We share information with trusted service providers who assist us in operating our App:
- Plaid Technologies, Inc.: For secure bank account connections and transaction data retrieval
- Vercel Inc.: For app hosting and infrastructure services
- Google LLC: For analytics and app performance monitoring through Google Analytics
- Stripe, Inc.: For payment processing of subscription fees
- Apple Inc. and Google LLC: For in-app purchase processing through their respective app stores
4.2 Legal Requirements
We may disclose your information when required to do so by law, legal process, or governmental request, or when we believe disclosure is necessary to protect our rights, property, or safety, or that of our users or others.
5. DATA SECURITY
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Regular security assessments and updates
- Limited access to personal information on a need-to-know basis
- Secure hosting infrastructure through Vercel
Important Security Note:
We do not store sensitive financial data such as bank account credentials, credit card numbers, or detailed transaction histories on our servers. Such sensitive data is handled exclusively by our certified third-party partners in compliance with industry security standards.
6. DATA RETENTION
We retain your information only as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
You may request deletion of your account and associated data by contacting us at hello@spenny.app.
7. YOUR PRIVACY RIGHTS
Depending on your location, you may have the following rights regarding your personal information:
- Access: Request access to your personal information
- Rectification: Request correction of inaccurate or incomplete information
- Erasure: Request deletion of your personal information
- Portability: Request transfer of your data to another service
- Restriction: Request limitation of processing of your personal information
- Objection: Object to certain processing activities
8. INTERNATIONAL TRANSFERS
Your information may be transferred to and processed in countries other than your own, including the United States where some of our service providers are located. We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.
9. CHILDREN'S PRIVACY
Our App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
10. THIRD-PARTY LINKS AND SERVICES
Our App may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third parties. We encourage you to review the privacy policies of any third-party services you access through our App.
11. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated Privacy Policy in the App, sending an email notification, or providing an in-app notification.
12. DATA BREACH NOTIFICATION
In the event of a data security incident that affects your personal information, we will notify you and relevant authorities as required by applicable law, typically within 72 hours of becoming aware of the breach.
13. CONTACT US
For questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Email: hello@spenny.app
Address: SRVC Technologies Inc., 1 King St W, Toronto, ON M5H 1A1
For privacy-related complaints that cannot be resolved directly with us, you may contact the Privacy Commissioner of Canada at www.priv.gc.ca.
This Privacy Policy is effective as of July 24 2025 and applies to all information collected by or submitted to SRVC Technologies Inc. through the Spenny App.