Plain English. No surprises. No tracking.
PLAYRIOT LLC (“we,” “us,” or “our”) operates the Expendy mobile application, marketed as Voice Expense Tracker (the “App”). This Privacy Policy explains what we collect, how we use it, and what rights you have.
The short version: by default your expenses stay on your device. Voice transcripts are sent to our parsing API to extract amount + category, then discarded — never stored on our server. We don’t use analytics SDKs. We don’t sell anything to anyone. If you opt into Sign in with Apple, your expenses also sync to our backend so they follow you across devices — you can disable this any time.
Expendy lets you log expenses by speaking naturally. Apple’s on-device speech recognition transcribes your voice into text. That text is then sent to our AI parsing service to extract the amount, merchant, and category, which Expendy saves as a structured entry on your device.
Authentication (optional). If you choose to sign in, Expendy uses Sign in with Apple. We receive only the identifiers Apple provides — a stable opaque user ID, and optionally your name and email (or Apple’s private relay address) if you share them at sign-in. Your Apple ID credentials are never seen by us. Sign-in is optional and unlocks cross-device sync.
Expense data (local-first). By default, all expense entries — amounts, merchants, categories, dates, notes, recurring rules, monthly budget — are stored locally on your device using SwiftData. They do not leave your device unless you opt in to sync.
Expense data (cloud sync, opt-in). If you sign in with Apple, the App syncs your expenses to our backend at api.aiappnation.com so they appear on every device signed in with the same Apple ID. The data stored server-side is the same structured data the App holds on your device. You can stop sync any time by signing out (local data stays on the device), or permanently delete your cloud copy via Settings > Delete Account.
Voice data. Speech recognition runs on-device using Apple’s SFSpeechRecognizer. Your voice audio is processed locally and is never recorded by Expendy, transmitted to us, or stored anywhere by the App.
Transcribed text (AI parsing). After speech is converted to text on-device, that text is sent to our parsing endpoint at api.aiappnation.com to extract the structured amount, merchant, and category. The transcript is processed in-memory to generate the parse response — we do not retain the raw transcript text on our servers beyond the request.
Subscription state. Whether you have an active Pro entitlement, derived from Apple’s StoreKit. Apple handles the actual payment — we never see your payment details.
Optional feedback. If you choose to send a bug report, idea or note through the in-app feedback form, that message is sent to our developer feedback service, along with an anonymous identifier (a random ID stored on your device, not linked to your name, email or Apple ID; it can persist if you reinstall the app) and, only if you type one in, an email address so we can follow up. In the Bug tab you can also attach one screenshot; only the single image you pick yourself is sent with that message, and Expendy never sends any other photo. The app also checks in with our feedback service when it opens, to see whether we have replied; those check-ins carry only the anonymous identifier and your app version.
Sign in with Apple. Authentication is handled entirely by Apple. Apple’s privacy policy governs that data flow.
Apple Speech Recognition (SFSpeechRecognizer). Performs voice-to-text on-device. Expendy never sees the audio.
AI Factory API (api.aiappnation.com). Our own backend, operated by PLAYRIOT LLC. Receives transcribed text to parse into structured fields. When you’re signed in, it also stores the structured expense entries for cross-device sync. Transcripts are not retained beyond the parse request; structured entries are retained until you delete the account or the entry.
Apple StoreKit. Subscription purchases are processed entirely by Apple. We only receive subscription status confirmation.
Expendy requests no other permissions. No location, no camera, no contacts, no health, no photos.
All local expense data is stored on your device using SwiftData. Deleting the App removes the local copy.
If you opted into sync (signed in with Apple), your cloud copy is held on our backend. To delete it, open the App, go to Settings > Delete Account. This signs you out and deletes every cloud-synced expense, recurring rule, budget, and your authentication record on our server. To revoke Expendy’s Sign in with Apple link at the Apple level, go to Settings > Apple ID > Sign in with Apple > Expendy > Stop Using Apple ID.
We share no data with third parties for advertising, marketing, or analytics. The only outbound data flow is to our own AI parsing and sync backend described above, except the feedback data and reply check-ins described above.
Expendy is rated 4+ but is intended for personal finance use by adults. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us personal information through Sign in with Apple, contact us and we will remove the authentication record.
If you are in the European Economic Area, the United Kingdom, or Switzerland, you have additional rights under the GDPR and equivalent laws: access, rectification, erasure, restriction, portability, and the right to object to processing. Because we hold no data about you on the server unless you signed in for sync (except the feedback data described above), the practical exercise of these rights is straightforward: stop using the app, or sign in and use Settings > Delete Account to erase your cloud data plus authentication record. To make a formal request, email [email protected]. You also have the right to lodge a complaint with your local data protection authority.
If this policy materially changes, we will update the date at the top of this page. For changes that affect what data we collect, we will prompt you in-app on next launch before any new collection takes place.
PLAYRIOT LLC
Email: [email protected]