VeroSpend Support

You can track finances without a separate VeroSpend sign-up or a bank login. Your tracker records are stored locally. Optional cloud AI requires consent and an online credit wallet; Apple verifies app downloads and in-app purchases to provide credits.

Manual logging, saved budgets, goals, and reports work offline. AI Chat, cloud Financial Guide, AI document analysis, opportunity research, wallet verification, purchases, cloud sync, and fresh market rates need internet access. Offline changes sync when you reopen VeroSpend with internet access. Where available, Nearby Sharing uses a local connection between paired devices.

It's a planner that takes your monthly net income and lets you split it into allocation buckets — housing, food, savings, debt, leisure, anything you want. Each bucket can be a fixed amount or a percentage. Bills can be monthly or yearly, with a "distribute across the year" option for things like tuition or insurance. A 12-month chart shows when your biggest expenses land.

You can create separate profiles for each person in your household (e.g. you + your partner). Each profile has its own accounts, budgets, and goals. A joint account belongs to two or more profiles and shows up in each ledger without being double-counted. The Over All view combines everything into a household-level picture.

In AI Chat, tap the microphone and say what you need. Speak to Vero automatically sends the completed transcript to cloud AI after you finish speaking, using your cloud consent. Audio is not uploaded to VeroSpend; Apple’s speech frameworks transcribe it, on-device when supported, or through Apple’s speech service when needed. Dismiss the recording to cancel the current capture. Local Voice Quick Add, where available, parses entries on the device.

In AI Chat, choose a receipt or screenshot, or take a photo. Text recognition runs on your device. Review and edit the text before Analyze sends that text, your currency, language, and category names to Cloudflare Workers AI. Image pixels are not uploaded for AI analysis. Review the proposed entries and save them to your tracker. Any photo you separately attach to a transaction is saved locally and included in encrypted Cloud sync if you enable it.

All are optional and only asked when you use a feature that needs them:

• Camera — for receipt scanning and goal photos.
• Microphone & Speech — for voice input, including transcripts automatically sent to AI Chat.
• Photo Library — to attach receipts, payment screenshots, or save exported reports.
• Location — only if you choose country detection. Apple geocoding determines the country and currency; the location reading is not saved in the tracker or sent to VeroSpend’s AI backend.
• Face ID — to lock the app behind biometrics if you turn that on.
• Local Network — only for the optional Nearby Sharing flow between two iPhones.

You can revoke these permissions in your device’s privacy settings.

On the Transactions screen, swipe left on any row to delete it. Tap the row to open it for editing — you can change the amount, category, account, merchant, date, attachments, and notes.

Loans, installments, BNPL items, recurring bills, and projected income all show up as pending transactions on their scheduled dates. They appear grayed out and don't affect account balances until you tap "Mark as paid". This lets you see what's coming without inflating your real cash position.

On the device with your finances, open Settings → Cloud sync → Start syncing this device, then copy the private sync code. On your other iPhone, iPad, or Mac, open Settings → Cloud sync → Connect to another device and paste it. This merges financial records, receipt attachments, completed chats, and a shared credit wallet using end-to-end encryption. Separate profiles remain separate; the latest saved change wins for the same record, while separate offline entries are kept. Sync runs while the app is active. Keep the sync code private and save a copy securely. Previous credit wallets are saved for recovery in AI credits; balances are not added together. TestFlight Sandbox and production balances remain separate. Exports and device backups remain available.

Use the app’s delete controls for financial records, and clear chat history in AI Chat. Deletions propagate to connected devices. Disconnect Cloud sync first to reset data only on this device; pausing alone queues changes for later. To erase the encrypted cloud copy, choose Settings → Cloud sync → Delete cloud copy. This stops that sync space but keeps local data and the separate credit ledger. Uninstalling does not delete cloud records or guarantee removal of Keychain credentials, backups, or exported files. For wallet deletion or privacy requests, email info@qnsub.com. Never include your recovery key or private sync code. See the privacy policy for retention details.

You can hold accounts and transactions in multiple currencies. Tap the currency pill on the home screen to switch your display currency — VeroSpend converts on-the-fly using stored FX rates. Original currencies on the underlying transactions never change.

App Store purchases are handled by Apple, not by us. Request a refund through Apple at reportaproblem.apple.com.

The full policy is at /verospend/privacy. Tracker records are local, with optional end-to-end encrypted Cloud sync across your devices. Optional cloud AI processes the information you choose to share. Credit wallets and verified purchase records are stored on the backend. The policy explains consent, providers, retention, and deletion requests.