Privacy Policy

Optiexpense (“the app”, “we”, “us”) is a personal finance and spending-tracking app published by Optizence LLC, United States. This policy explains what information the app handles and how your privacy is protected.

It applies to the Optiexpense iOS app and its extensions (widgets, share, message filter, notifications). Optiexpense has no user accounts and operates no servers that store your data.

We do not collect your personal or financial data. Everything the app processes stays on your device. Specifically:

• Transactions & financial data you add or that the app captures are stored locally on your device. If you enable iCloud, they sync through your own private iCloud account, which we cannot access.
• SMS messages: if you enable the message filter, bank and mobile-money alerts from unknown senders are analyzed on your device to detect transactions. The messages are never sent to us.
• Email: if you connect Gmail, the app reads financial emails directly from your device over IMAP using an app-specific password you provide. That password is stored only in your device's Keychain, and neither it nor your email content is ever transmitted to us.
• Camera: receipt scanning is processed entirely on your device.
• Calendar: if you grant access, events are read on your device only to detect recurring bills. No events are modified, and nothing is shared.

We have no accounts and no back-end servers, so we cannot see, collect, or store any of this information.

All processing happens on your device to power the app's features: calculating your safe-to-spend, categorizing transactions with on-device machine learning, generating insights, and tracking bills and debts.

We do not use your data for advertising, profiling, or resale, and we do not build any profile of you on our side — because we never receive your data.

We do not sell, rent, or share your personal or financial data with anyone. The only third-party interactions are:

• Apple — the App Store handles your purchase, and iCloud stores your data in your own account. These are governed by Apple's privacy policy.
• Currency exchange rates — to convert foreign-currency transactions, the app may request public exchange-rate data using only currency codes (for example “USD” or “EUR”). No personal or financial information is sent.
• Google (only if you connect Gmail) — your device connects directly to Gmail over IMAP using your app-specific password. We are not a party to that connection and receive nothing from it.

Because your data lives on your device, you are always in control:

• Delete all your data at any time from Settings → Reset all data, or by deleting the app.
• Disconnect Gmail, disable the SMS filter, or revoke camera/calendar access at any time.
• There is no account on our side, so there is nothing for us to hold or delete about you.

Because we do not collect or process your personal data on our own servers, you retain direct control of all your information within the app. You can exercise your rights to access, correct, export, or erase your data directly on your device at any time.

If you have questions about your rights under the GDPR, contact us using the details in Section 10.

We do not collect personal information on our servers, and we do not sell or “share” personal information as those terms are defined under the CCPA/CPRA. You have the right to know, delete, and opt out; since we hold no personal information about you, there is nothing for us to disclose or sell. Contact us with any questions.

Optiexpense is rated 4+ but is intended for a general audience managing personal finances. It is not directed to children, and we do not knowingly collect information from children — in fact, we do not collect personal information from anyone. If you believe a child has provided information, note that any such data resides only on that device and can be removed by deleting the app.

Your data is protected by the security of your own device:

• Financial data is stored locally using Apple's on-device data frameworks.
• Sensitive credentials (such as your Gmail app password) are stored in the iOS Keychain, encrypted and available only on your device.
• If you enable iCloud, syncing uses Apple's encrypted iCloud infrastructure within your own account.
• We operate no servers holding your data, so there is no central database to breach.

We may update this policy from time to time. Any changes will be posted on this page with a new “Last Updated” date. Continued use of the app after changes means you accept the updated policy.

Questions or requests? Contact us at optizence@gmail.com.

Optizence LLC, United States.