Your spending.
Your phone.
Spendly is an expense tracker for everyday UPI spending in India, made by MORROW®. This page explains what Spendly does with your information, the terms for using it, and how to delete your account.
Privacy Policy
Effective 21 October 2026 · Applies to the Spendly Android app (package com.morrow.spendly)
This policy explains what information Spendly handles, why, where it is kept and the choices you have. "We", "us" and "MORROW" mean the team that makes Spendly. "You" means the person using the app.
1. The short version
- Spendly works fully without an account. If you never sign in, your entries never leave your phone.
- If you choose to sign in with Google, we receive your name, email address, profile photo link and a Google account identifier so we can create and secure your account.
- If you sign in, your entries are backed up to your private account so they come back on a new phone. Only you can access them.
- We do not sell your information, use it for advertising, or share it with data brokers.
- You can delete your account at any time from the app or from this page.
2. Information on your phone
These are saved in the app's private storage on your device. If you do not sign in, they stay only there and we cannot see them. If you sign in, they are also backed up as described in section 3.
- Your entries: amounts, categories, notes, dates, goals, budgets and your own categories.
- Your profile in the app: the name and phone number you type in, if any.
- What Spendly learns: which category you chose for a shop or person, so it can suggest it next time.
- Preferences: theme, reminders and similar settings.
If you uninstall Spendly or clear its storage, this information is erased from your phone. Make a backup first if you want to keep it.
3. Optional account: Sign in with Google
Signing in is optional. When you choose "Continue with Google":
| What we receive | Why |
|---|---|
| Your name and email address | To create your account, show who is signed in, and contact you about your account if needed |
| A Google account identifier and a Spendly account ID | To recognise your account the next time you sign in |
| A link to your Google profile photo | Received from Google as part of sign-in. The app does not download or display it |
| Sign-in times, and the IP address and device information sent with each sign-in request | To keep your account secure, prevent abuse and fix problems |
| Your Spendly entries: amounts, categories, notes, dates, goals, budgets, your own categories and learned categories | To keep a backup in your private account and bring it back when you sign in on a new or reset phone |
Your backup is private. It is stored in a database protected by row-level security, so it can only be read with your signed-in account. It is encrypted in transit and at rest. We do not read, analyse, sell or share your entries, and we never use them for advertising. We access them only if you ask us for help, or if the law requires it.
We never collect your bank login, UPI PIN, card numbers, SMS inbox, contacts or full notification text.
We do not receive your Google password, your contacts, your Gmail, your Drive files or any other Google data. Spendly only asks Google for your basic profile and email address.
Where it is kept. Accounts and backups are hosted by Supabase, our database and sign-in provider. Supabase processes this information only on our behalf.
Google user data. Spendly's use of information received from Google APIs follows the Google API Services User Data Policy, including its Limited Use requirements. We use it only to provide sign-in and do not transfer it for advertising or any other purpose.
On your phone, sign-in tokens are stored encrypted using the Android Keystore and are removed when you sign out.
4. Features that use your phone's own services
- Payment alerts (optional, off until you turn it on). With your permission, Spendly reads notifications from UPI, bank and SMS apps on your phone to find payments. Only the payment details it needs (amount, who, when, reference) are saved, on your phone. Notification content is never uploaded.
- Camera and photos. When you scan a receipt or share a payment screenshot, the image is read on your phone. Images are not uploaded and the temporary copy is deleted.
- Voice quick add (optional). When you tap the microphone, Android's speech recognition service on your phone (usually provided by Google) turns your speech into text and gives Spendly only the text. That service is covered by its provider's privacy policy. Spendly does not record or store audio.
- Notifications. Reminders and summaries are created on your phone.
- Backups. A backup is a file saved where you choose, for example your Downloads folder or Google Drive. We never receive it.
5. Internet use
Spendly connects to the internet only to sign in, keep you signed in, back up and restore your entries, sign out and delete your account. These connections are encrypted (HTTPS). If you never sign in, Spendly makes no network requests of its own.
6. Who we share information with
- Google, to let you sign in with your Google account.
- Supabase, which hosts sign-in and backups for us.
- Authorities, only if Indian law requires it.
We do not share your information with anyone else.
7. How long we keep it
- Account information and your backup are kept until you delete your account. Deleting it removes them at once from our database; copies in our provider's encrypted system backups expire within 30 days.
- Security logs kept by our authentication provider are deleted on its normal schedule, at most 90 days.
- Information on your phone stays until you delete it, clear the app's storage or uninstall.
8. Your choices and rights
You can use Spendly without an account, download a copy of your entries any time (Settings → Download a copy, or Back up), sign out at any time, and delete your account (see Delete your account). Under India's Digital Personal Data Protection Act, 2023, you can ask us to access, correct or erase your personal data, withdraw consent, and raise a grievance. Write to hello@morrowaaps.com. We reply within 30 days.
Grievance officer: Ashwin Jain, hello@morrowaaps.com
9. Security
We use encryption in transit, encrypted token storage on your phone and access controls on our servers. No method is perfectly secure, but we work to protect your information and will tell you if a breach affects you, as the law requires.
10. Children
Spendly is a general-audience money tool and is not directed at children under 13. We do not knowingly collect information from children under 13. If you believe a child has created an account, contact us and we will delete it.
11. Changes to this policy
If we change this policy, we will update this page and the effective date above, and tell you in the app if the change is significant.
Terms of Use
Effective 21 October 2026
1. Agreement
By installing or using Spendly you agree to these terms and to the Privacy Policy above. If you do not agree, please do not use the app.
2. What Spendly is
Spendly helps you record and understand your own spending. It is not a bank, payment app, wallet or lender. It does not move money, connect to your bank account or make payments on your behalf.
3. Not financial advice
Totals, insights, recaps and suggestions are for your information only. They are not financial, tax, investment or legal advice.
4. Check what Spendly reads for you
Spendly reads payment alerts, screenshots, receipts and voice to fill in entries for you. It can make mistakes, such as a wrong amount, date, category or direction. Please check entries that matter to you. You are responsible for the records you keep.
5. Your account
An account is optional. If you sign in, you are responsible for activity on your Google account and for keeping your phone secure. You can delete your account at any time.
6. Acceptable use
Do not misuse Spendly, for example by trying to access other people's accounts, interfere with our servers, reverse engineer the app to harm it or its users, or use it for anything illegal.
7. Your data and backups
Your entries live on your phone, and in your private backup if you sign in. Without an account, you are responsible for making backups. We are not responsible for data lost through uninstalling the app without a backup, clearing its storage, losing your phone or deleting your account.
8. Other services
Spendly works with services we do not control, such as Google sign-in, your phone's speech recognition and the UPI and bank apps whose alerts it reads. Their own terms apply to them. Names of payment apps are used only to identify them and belong to their owners.
9. Ownership
Spendly, MORROW® and their design, code and content belong to MORROW. You may use the app for your own personal, non-commercial use. Your entries belong to you.
10. Changes and availability
We may update, change or stop features. We may update these terms; if a change is significant we will tell you in the app. Continuing to use Spendly after a change means you accept it.
11. Disclaimer and liability
Spendly is provided "as is" without warranties of any kind, to the extent the law allows. To the extent the law allows, MORROW is not liable for indirect or consequential losses, or for decisions you make based on information in the app. Nothing in these terms limits rights you have under Indian consumer law.
12. Ending use
You can stop using Spendly at any time by deleting your account and uninstalling the app. We may suspend accounts that break these terms.
13. Law
These terms are governed by the laws of India, and courts in India have jurisdiction.
Delete your Spendly account
For the Spendly app by MORROW®
If you signed in to Spendly with Google, you can delete your account and the information linked to it.
In the app (fastest)
- Open Spendly and go to Settings.
- Tap Delete account in the Account section.
- Confirm. Your account is deleted straight away and you are signed out.
Without the app
Email hello@morrowaaps.com from the email address of the Google account you used, with the subject "Delete my Spendly account". We will confirm and delete it within 30 days.
What is deleted
- Your account: name, email address, Google account identifier and sign-in history.
- Your cloud backup: every entry, category, goal and budget saved to your account.
- Security logs are removed on our provider's schedule, at most 90 days.
What stays on your phone
The copy of your entries on your phone is not touched when you delete your account. Download a copy first if you want to keep one. To erase them too, go to Settings → Delete all data, or uninstall Spendly.
Contact
Questions about privacy, these terms or your account: hello@morrowaaps.com
Instagram: @morrow.apps