Privacy Policy

1.1 Information you give us

• Account details: your email address and name, or the details Apple shares when you use Sign in with Apple (which can be a private relay email).
• Profile details: occupation, city, year of birth, monthly income and currency. These personalise your budgets and comparisons and make up your anonymous Club profile (see Section 3). Only your city is stored, never a precise location.
• Budgets and expenses: categories, budget amounts, and the expenses you add, including amount, date, category and any notes.

1.2 Apple Wallet shortcut (optional)

If you set up the Apple Wallet shortcut, your iPhone sends us the amount, the merchant name and the card name (as it appears in Wallet, for example "Apple Card") each time you pay with Apple Pay in person. We never receive card numbers, bank account numbers or banking passwords. You can turn the shortcut off at any time in the Shortcuts app.

1.3 Information collected automatically

• Device information: device model, iOS version and app version.
• Push notification token: if you allow notifications.
• Crash and error reports: technical details about what went wrong, to help us fix it.
• Usage analytics: which screens you open and which features you use (for example that you logged an expense, and in which category), with your app version and device type. It is linked to your account by an internal ID, never by your name or email, and never includes amounts, shop names or notes.
• Session recordings: a replay of how you move through the app (the screens, taps, scrolling and how long things take), which helps us find where the app is confusing or broken. A recording shows the app's own wording, such as screen titles, buttons and questions, and the options you can pick from lists built into the app, such as occupations, cities, countries and currencies. Everything else is hidden behind grey blocks, including amounts, shop names, notes, category names, your name and email, charts, images and anything you type. Recordings are linked to your account by the same internal ID.
• You can switch off usage analytics and session recordings together in the app under Settings, then Notifications, then Share usage analytics.
• Visits to our download page: when you open getsocialspend.com/get, or a short link that leads there, we count the visit and whether you tapped the App Store button, together with the link that brought you (for example our TikTok profile), the website you came from, your type of device and your country (worked out from your connection). This uses no cookies and we do not keep your IP address.

1.4 What we do not collect

• Card numbers, bank account numbers or banking credentials
• Government ID numbers, such as a Social Security number
• Your precise GPS location
• Contacts, photos or anything else on your phone

1.5 Full transaction sync (coming soon)

Full transaction sync through Plaid is not available yet, and it will only ever be switched on if you choose to connect a bank. Our How we protect your data page explains how it will work. Purchases imported this way will be treated like any other expense, including in your category totals described in Section 3. Before it launches we will update this policy to explain exactly what it collects.

• To run the Service: track your spending against your budgets, show your history, and send the reminders and alerts you choose.
• To personalise it: suggest budgets and categories that fit your situation.
• To run the SocialSpend Club, including your anonymous Club profile, as described in Section 3.
• To manage your SocialSpend+ subscription.
• To keep the Service secure, prevent abuse and fix problems.
• To understand, in aggregate, how the Service is used so we can improve it.
• To contact you about your account and respond to support requests.
• To send you budgeting tips, news about new features, and offers and discounts for SocialSpend and for other apps and services from Unitect LLC, by email, and by notification if you choose to receive them (see Section 6). We may choose which offers to send you based on your profile, such as your occupation (including whether you are a student or unemployed), age range, city and income. For example, if we launch an app for people looking for work, we may email SocialSpend members who are unemployed about it, with a discount. We only promote Unitect LLC's own products, never other companies'.
• To plan, build and improve Unitect LLC's other apps and services, for example by looking at what members in different occupations and situations need.

Every SocialSpend account is part of the SocialSpend Club. This is how the Club works, and it is a condition of using SocialSpend; it is not an optional setting. If you do not want to take part, please do not create an account, or delete it at any time (Section 6).

3.1 Your anonymous Club profile

Members with an active SocialSpend+ subscription can browse anonymous profiles of other members, including yours, and copy a profile's budget into their own account. Your profile shows:

• Occupation and age range
• City and country
• Your monthly income, rounded to the nearest 250, so members can compare budgets with people on a similar income
• Your monthly budget for each category and subcategory
• This month's spending per category, rounded, and an approximate total spending range
• How your budget is split between categories, as a percentage of your total budget

Your profile never shows your name, email address, exact income, individual purchases (including shop names, card names and notes) or precise location. Bear in mind that in a small city with an unusual occupation, someone who already knows you might recognise a profile from these details.

3.2 Member statistics

We also combine members' budgets and category totals into group figures, such as a typical monthly amount for a category for people in the same occupation, age range and city. A group figure is only shown once at least 20 members are in the group.

3.3 Official statistics

Alongside member data, the Club shows public statistics from government agencies such as the U.S. Bureau of Labor Statistics, the U.S. Census Bureau and Eurostat. Each figure in the app links to its source.

The "What others see" screen in the app (in Account) shows exactly what is visible on your profile.

We do not sell, rent or trade your personal information, and we do not share it with advertisers or data brokers. We do not track you across other companies' apps or websites. Apart from your anonymous Club profile shown to other members (Section 3), your information is only shared as described below.

SocialSpend is a product of Unitect LLC, and Unitect LLC holds your information. Using it for Unitect LLC's other apps and services, as described in Section 2, stays within Unitect LLC and is covered by this policy. It does not mean sharing it with another company.

4.1 Service providers

We use a small number of providers to run the Service. They may only process your information to provide their service to us:

• Clerk: Sign-in and account management (email address, name, sign-in method). Privacy policy
• Vercel: Hosts our servers and website. Privacy policy
• Neon: Hosts our database, where your budgets and expenses are stored. Privacy policy
• RevenueCat and Apple: Process SocialSpend+ subscriptions. Payment details stay with Apple; we never see your card. Privacy policy
• OpenAI: Writes the short insights on the Insights screen from your monthly totals (category names and amounts, budget status and your income figure; never your name, email or individual transactions). OpenAI does not use API data to train its models. Privacy policy
• Resend: Sends our emails (your email address, name and the email itself). Privacy policy
• Expo: Delivers push notifications to your device. Privacy policy
• Sentry: Crash and error reports so we can fix problems. Privacy policy
• PostHog: Usage analytics and session recordings: which screens and features are used, and replays of how people move through the app, with amounts, shop names, notes, names, email addresses and anything typed hidden. Linked to your account by an internal ID only. Never amounts, purchases, notes, your name or your email. You can switch it off in Settings. Privacy policy

4.2 Legal reasons

We may disclose information if required by law, or to protect the rights, safety or property of our users, the public or Unitect LLC.

4.3 Business transfers

If Unitect LLC is involved in a merger, acquisition or sale of assets, your information may be transferred as part of that deal. This policy would continue to apply to it.

We keep your information for as long as your account is open. When you delete your account, we delete your profile, budgets, expenses and settings from our database straight away. Copies in encrypted backups are removed as those backups expire, within 30 days. Your Club profile disappears from the Club at the same time. Group statistics that were already calculated cannot be traced back to you and may remain, and budgets other members already copied stay in their accounts without any link to you. Records of SocialSpend+ payments (the plan, price, currency, country and dates, under an internal account number with no name or email) are kept after deletion for our accounting and tax records.

• Access and correct: view and edit your profile, budgets and expenses in the app at any time.
• Delete: go to Account, then Edit profile, then Delete account. This removes your account and its data.
• Notifications: turn individual notification types off in the app, or all of them in iOS Settings.
• Tips and offers by email: these cover SocialSpend and other Unitect LLC apps. They are on when you create an account, and setup tells you so with an option to turn them off. Turn them off at any time in the app under Settings, then Notifications, or with the unsubscribe link in any of these emails. Emails about your account, such as verification codes, still arrive.
• Offers in notifications: only sent if you agree, by tapping Turn on when the app asks about notifications or by switching them on in Settings. Switch them off there at any time.
• Usage analytics and session recordings: switch them off in the app under Settings, then Notifications, then Share usage analytics.
• Copy of your data: email us and we will send you a copy of the data on your account.

California residents

Under the California Consumer Privacy Act you have the right to know what personal information we collect, to request deletion and correction, and to opt out of its sale or sharing. We do not sell or share personal information as those terms are defined by the law. We will not treat you differently for using these rights.

EEA, UK and Swiss residents

We process your information to provide the Service you signed up for, including your anonymous Club profile (contract), to keep it secure and improve it (legitimate interests), to send our own users tips and offers about SocialSpend and other Unitect LLC products by email, chosen using their profile, which you can turn off at any time (legitimate interests), to plan and improve our other products (legitimate interests), and where you have agreed, for example to the Apple Wallet shortcut, notifications and offers in notifications (consent). You can access, correct, delete, restrict or object to processing of your data, ask for a portable copy, and complain to your local data protection authority. You can object at any time to any use based on legitimate interests, including using your profile to choose which offers we send you. Your information is stored in the United States; where required, we rely on the European Commission's Standard Contractual Clauses for these transfers.

To make any request, email contact@unitect.com with the subject "Privacy request". We reply within 30 days and may need to confirm your identity first.

Data is encrypted in transit (HTTPS) and at rest in our database. Access to production systems is limited to the people who need it. No system is perfectly secure, but if a breach affects your information we will tell you as required by law.

SocialSpend is for people aged 18 and over. We do not knowingly collect information from anyone under 18. If you believe a child has given us information, contact us and we will delete it.

If we make material changes, we will update the date at the top of this page and tell you in the app or by email before they take effect.