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VeroSpend Privacy Policy

The short version: everything stays on your iPhone.

Effective: 2026-06-08
App: VeroSpend (com.choloasis.spendiary.app)
Publisher: QnSub Tech
Contact: support-verospend@qnsub.com

This is a plain-English explanation of what VeroSpend does with your data. The short version: everything stays on your iPhone. QnSub Tech does not run a server, does not have an account system, and does not ship analytics or advertising SDKs.

What VeroSpend stores

All of the following is stored locally on your device using Apple's SwiftData framework:

  • Profiles — each household profile's name, avatar, currency, and preferences.
  • Accounts — checking, savings, credit, loans, real estate, and other asset types you set up, including balances and the joint-account links between profiles.
  • Transactions — every income, expense, and transfer you log or that VeroSpend projects (recurring bills, loan installments, salary).
  • Budgets & Salary Visualizer plans — your per-category budgets, salary allocations, and any saved allocation snapshots.
  • Goals — name, target amount, deadline, optional photo, milestones, and contribution history.
  • Debts — balances, interest rates, minimum payments, and your chosen payoff strategy.
  • Recurring items — subscriptions and bills you've set to repeat.
  • Receipt photos — only if you attach one to a transaction. Stored locally as a compressed JPEG.
  • App preferences — small flags like theme, display currency, and widget layout, stored in iOS UserDefaults.

Camera

VeroSpend uses the camera in two places. In every case, the video stream is processed on-device by Apple's Vision framework and no frames are uploaded:

  1. Receipt scanning — when you tap the camera icon in the new transaction sheet, the app captures a still, reads the merchant / date / total with on-device OCR, and pre-fills the form. You choose whether to keep the photo attached to the transaction (stored locally) or discard it.
  2. Goal photos — if you attach a photo to a savings goal, it is stored locally on the goal record. You can replace or remove it at any time.

Microphone & Speech Recognition

Voice Quick Add records a short audio clip and transcribes it using Apple's on-device SFSpeechRecognizer. The audio is processed in memory and discarded after transcription. The text is parsed locally to fill in the amount, merchant, and category. Nothing is sent to a VeroSpend server because there isn't one, and Apple's on-device mode keeps the speech recognition on the device.

Location

VeroSpend asks for When in use location once, on first launch, to detect your country and pick a sensible default currency and locale. The location reading is used in memory only and is not saved to the database. You can deny the prompt and pick your currency manually instead.

Face ID

If you enable App Lock in Settings, VeroSpend uses Apple's LocalAuthentication framework to unlock the app with Face ID, Touch ID, or your device passcode. VeroSpend never sees your biometric data — Apple handles all of that — it only receives a yes/no answer.

Local Network & Nearby Sharing

Nearby Sharing lets you transfer data between two iPhones you own — for example, when moving VeroSpend to a new device. The flow:

  • One phone shows a QR code, the other scans it to pair.
  • The two phones connect peer-to-peer using Apple's MultipeerConnectivity framework over your local Wi-Fi or Bluetooth.
  • Data is exchanged directly between the two devices. Nothing is uploaded to the internet or to QnSub.

The Local Network prompt only appears the first time you use this feature.

Photos library

You can pick existing photos from your library to attach as receipts or as goal photos, and you can save exported reports back to Photos. VeroSpend only reads the images you pick, and only those images are imported into the app.

Foreign exchange rates

If you hold accounts in multiple currencies and switch your display currency, VeroSpend fetches reference FX rates from a public provider over HTTPS. The request includes only what every HTTPS request includes (your IP and a generic User-Agent). It does not include any account, profile, transaction, or identifier we control. The rates are cached locally so the app keeps working offline.

What we do not do

  • We do not track you across apps or websites.
  • We do not use analytics SDKs (no Google Analytics, no Mixpanel, no Firebase, no Amplitude, etc.).
  • We do not use advertising SDKs or any third-party SDKs that collect data.
  • We do not sell or share your data with anyone.
  • We do not have a server collecting your data.
  • We do not require you to create an account.
  • We do not connect to your bank or read your bank statements. VeroSpend is a manual / scanned-receipt tracker.

Sharing your data, on purpose

The only time data leaves your device is when you initiate it:

  • Export — when you tap Export in Settings, VeroSpend writes CSV files, and reports can be exported as PDF. iOS then hands the file to the share sheet. Whatever you do with the file next (Mail, Files, Drive, AirDrop) is governed by that app.
  • Nearby Sharing — when you pair two iPhones, data flows peer-to-peer over local Wi-Fi between the two devices, not through us.
  • iCloud Backup — Apple's standard iPhone backup will include VeroSpend's data container along with the rest of your apps, if iCloud Backup is on. That backup is encrypted by Apple and not visible to us.

Deleting your data

Because everything is local, uninstalling VeroSpend deletes everything. iOS will remove the app's data container along with the app. There is nothing on a server to delete.

You can also reset from inside the app:

  • Settings → Reset Data (wipes the local database without uninstalling).
  • Settings → Delete Profile (removes a single household profile; deleted profiles are soft-deleted for 12 hours before being purged, so you can recover an accidental delete).
  • Swipe-delete on any transaction, account, goal, or budget row.

Children

VeroSpend is not directed to children under 13. The app is intended for adults managing personal or household finances.

Changes to this policy

If the privacy practices change, we'll update this page and the in-app About screen with the new effective date. Material changes (e.g., adding a backend, adding analytics) will be highlighted at the top.

Contact

Questions or requests: support-verospend@qnsub.com