Privacy Policy

Effective date: 13 November 2026

Xpensia is published by William Montes (“we”), Spain. Contact: hello@soluptions.com.

The short version

• Your expenses, receipts, categories, chats and settings stay on your iPhone.
• We have no servers, no accounts, no analytics, no advertising and no tracking.
• We do not collect, receive, sell or share any of your personal data.

Where your data is stored

Everything you enter in Xpensia is stored in the app’s own storage on your device, protected by iOS data protection. It is included in your device backups (iCloud Backup or a computer backup) if you have them turned on.

Optional iCloud sync

If you turn on Sync with my iCloud in Settings, your Xpensia data is copied to the private iCloud database of your own Apple Account using Apple’s CloudKit. Only you can access it; we cannot. Apple handles this data under the Apple Privacy Policy. Sync is off by default and you can turn it off at any time.

The AI assistant (optional)

The AI assistant is off by default. When you use it:

• Apple Intelligence runs on your device. Xpensia only uses Apple’s on-device model and never Apple’s Private Cloud Compute.
• Downloaded models run on your device. When you search for or download a model, your device connects to Hugging Face (huggingface.co). Hugging Face receives your search words, the name of the model and technical data such as your IP address, under its own privacy policy. None of your financial data is sent.
• Your chats and the facts you ask the assistant to remember are stored on your device (and in your iCloud if sync is on). You can view and delete them in Settings → Assistant Memory.

Camera and photos

Xpensia asks for camera access to scan receipts and cards, and photo access so you can pick a receipt photo. Text is read on your device. Images are saved only if you attach them to an expense and are never uploaded by us.

Exports

When you export your data, the file goes wherever you choose (for example Files, Mail or AirDrop). From then on, it is under your control.

Contacting us

If you email us, we receive your email address and your message and use them only to reply. We keep them only as long as needed for that.

Children

Xpensia is not directed to children under 14 and we knowingly collect no data from anyone.

Your rights

Because we hold no personal data about you, you exercise your rights directly in the app: you can view, export and delete all your data (Settings → Delete all my data) or delete the app. For questions, write to hello@soluptions.com. Users in the European Union can also complain to their data protection authority; in Spain, the Agencia Española de Protección de Datos (www.aepd.es).

Changes

If this policy changes, the new version will appear in the app and on our website with a new effective date.