Summary: SpendSpeak keeps your data on your device. We do not run servers for the app or require an account. Optional AI assist sends the data described below directly to Anthropic only after your explicit consent. Apple speech recognition may process audio on Apple servers.
What the app processes
- Expenses and settings you enter (amounts, categories, dates, notes, subscriptions): stored only in the app's local database on your device.
- Voice: when you record an expense, audio is converted to text on your device (Android: on-device speech models; iOS: Apple's speech recognition, which may use Apple's servers under Apple's policy) and then discarded. Recordings are never saved by SpendSpeak.
- Notifications: local reminders for subscription renewals, scheduled on your device.
Network use
- First use on Android downloads speech models (from huggingface.co and alphacephei.com) — no personal data is sent.
- Optional exchange rates (open.er-api.com): a request for public rates; no personal data is sent.
- Optional AI assist (off by default): if you enable it and enter your own Anthropic API key, you must first tap “Accept & Enable AI Features”. When local parsing needs help, your transcribed sentence (including any amounts, purchases, merchants or names you say), default currency, category names and current date are sent to Anthropic’s Claude API. Your API key authenticates the request. Audio and your transaction history are not sent to Claude. Anthropic processes requests under https://www.anthropic.com/legal/privacy. Disable it any time in Settings.
Permissions
Microphone and speech recognition (to record expenses), notifications (reminders), internet (downloads, rates, optional AI).
Your control
Export your data as CSV; delete everything in Settings → Delete all data; uninstalling removes all local data.
Children
SpendSpeak is not directed to children under 13 and collects no data from anyone.