Your financial life is personal. This policy explains, in plain language, what BlueSpend collects and what we do (and don't do) with it.
1. Who we are
BlueSpend (“BlueSpend”, “we”, “us”) is an AI budget and spend tracker operated by Blueness. This policy explains what information we collect, why, who we share it with, and the choices you have. Questions? Email support@bluespend.app.
2. Information we collect
You give us
- Account details: name, email address and sign-in method (email and password, Google or Apple).
- Financial entries you create: expenses, income, transfers, accounts and balances, budgets, categories, tags, merchants, recurring items and savings goals.
- Content you submit to be processed: chat messages, pasted M-Pesa or bank SMS text, receipt photos, imported CSV files and voice input.
- Preferences: currency, time zone, language, voice and pace settings, and notification choices.
- Support messages you send us.
Collected automatically
- Device push token, so we can deliver reminders and alerts you've enabled.
- Purchase and subscription status (for example, which plan you're on and when it renews). We do not receive your card details.
- Technical logs necessary to operate and secure the service, such as request times and error records.
BlueSpend does not include advertising, analytics or crash-reporting SDKs.
3. Voice, receipts and photos
- Voice: audio you speak is sent for transcription and to the AI so BlueSpend can understand your spend. We do not keep the audio unless you opt in.
- Voice improvement (opt-in): if you choose to let us keep recordings to improve recognition for your accent and vocabulary, they are stored for 90 days and then deleted. You can turn this off at any time.
- Speech profile: we keep a small per-account list of words and corrections (for example, how you pronounce a merchant) to improve accuracy for you.
- Receipts: the photo is used to extract the details and is then deleted. The extracted entry stays in your account.
4. How we use your information
- To provide BlueSpend: record, categorise and display your spending, budgets and goals.
- To generate summaries, insights, nudges and answers to your questions.
- To learn your preferences, such as merchants and keywords you've corrected.
- To process subscriptions, credits and restore purchases.
- To send reminders, alerts and important service messages.
- To keep the service secure, prevent abuse and fix problems.
- To comply with legal obligations.
We do not sell your personal information and we do not use it for advertising.
5. AI processing
BlueSpend uses Google's Gemini models to understand your input, categorise entries, transcribe speech, hold voice conversations and write insights. When you use an AI feature, the content of that request (for example, the text you typed, the audio you spoke or the receipt image) and only your first name are sent to Google for processing.
AI can be wrong. Please review entries and treat insights as general information, not financial advice. Our team may review limited, de-identified samples of voice interpretation issues only where you have opted in to help improve voice quality.
6. Who we share information with
We share information only with service providers that help us run BlueSpend, under appropriate commitments:
| Provider | Purpose |
|---|---|
| Google (Gemini AI) | AI parsing, transcription, voice conversation and insights |
| Google Firebase | Delivering push notifications |
| Apple and Google (App Store, Google Play) | In-app purchases and subscriptions |
| RevenueCat | Managing subscription and purchase status |
| PayPal and Safaricom M-Pesa (web, where offered) | Processing web payments |
| Hosting and email providers | Running our servers and sending service emails |
We may also disclose information if required by law or to protect rights, safety and the integrity of the service. If our business is reorganised or sold, your information may transfer to the new owner under this policy.
7. How long we keep information
- Account and financial data: kept while your account is active.
- Deleted accounts: after you request deletion there is a short grace period (currently 14 days) during which you can change your mind. After that, your account and data are permanently deleted, apart from limited records we must keep by law.
- Voice recordings (opt-in only): 90 days.
- Receipt images: deleted after extraction.
- Backups and logs: removed on a rolling schedule.
8. Your rights and choices
You can access, correct, export and delete your information from within the app. Depending on where you live (including under Kenya's Data Protection Act, 2019, and the GDPR/UK GDPR), you may also have the right to object to or restrict certain processing, to withdraw consent, and to complain to your data protection authority. To exercise a right, email support@bluespend.app. To delete your account see Delete your account.
9. Security
We protect your information with encrypted connections, access controls, mandatory two-factor authentication for administrators, and by limiting what support staff can see (they cannot view your amounts). You can add an app lock with biometrics or a PIN. No system is perfectly secure, so please keep your device and password safe.
10. International transfers
Our providers may process information in countries other than your own. Where required, we rely on appropriate safeguards for those transfers.
11. Children
BlueSpend is not intended for people under 18, and we don't knowingly collect their information. If you believe a child has given us information, contact us and we'll delete it.
12. Changes to this policy
We may update this policy as BlueSpend evolves. We'll post the new version here with a new date and, for significant changes, notify you in the app or by email.
13. Contact us
Blueness · support@bluespend.app · Contact page