Speakance Privacy Policy

Last updated: July 20, 2026

Speakance helps you capture expenses by voice, text, or manual entry, organize them into a ledger, use Siri and App Shortcuts, Home Screen widgets and Live Activities, compare card-statement PDFs, sync account data, export filtered records, and view spending insights. This page explains what information is processed when you use Speakance.

Information we collect

We process information you provide directly in the app, including account email or Sign in with Apple account identifiers, expense details (amounts, currencies, categories, descriptions, merchants, dates, trip labels, payment method labels or aliases, reconciliation status, and subscription records), optional voice recordings or transcripts used for voice capture, optional filtered and redacted statement transaction text when you request AI statement help, category and metadata preferences including visual labels, default currency and capture language, notification preferences and device tokens when you enable ready notifications, confirmed statement transaction fingerprints used for duplicate protection, and daily voice, text, or statement AI usage needed to enforce plan limits.

How we use information

• To authenticate your account with email/password or Sign in with Apple and keep your data tied to your profile
• To parse voice or text captures into structured expense records
• To read card-statement PDFs, compare transactions with your ledger, identify possible matches, and add selected missing charges
• To accept expense text dictated through Siri and return requested spending summaries through App Shortcuts
• To sync your expenses, categories, trips, payment methods, and app preferences across devices
• To provide ledger views, filters, reconciliation tools, widgets, Live Activities, insights, and trip organization
• To track active subscriptions and generate review-ready expense drafts when recurring charges are due
• To send optional notifications when processed expenses are ready
• To measure separate AI usage limits and rate-limit voice, text, and optional statement parsing
• To support account confirmation, password reset, support, export, import, cleanup, and account deletion flows

Voice capture and transcription

If you use voice capture, Speakance records audio on your device or through the widget recording flow. Speech Recognition may create an on-device transcript when available, and Speakance may upload audio temporarily to Supabase storage and OpenAI APIs for transcription and parsing. Transcribed text is used to create or suggest an expense entry. Parsed results should be reviewed by you for accuracy.

When you dictate an expense through Siri, Apple provides the resulting text to Speakance. That shortcut uses Speakance's text-processing queue and does not create a separate Speakance audio recording. Spending-summary shortcuts calculate their response from saved expense data available to the app.

Statement PDFs and reconciliation

When you choose a card-statement PDF, Speakance reads the file on your device to identify statement dates, bank and card labels, the last four card digits, transaction dates, descriptions, amounts, currencies, and statement totals. The PDF and any password used to unlock it remain on your device during this local reading. Speakance does not upload the full statement PDF or its password for AI processing.

If the local reader is uncertain, Speakance may offer optional AI help. AI help is used only after you choose it and sends filtered, redacted transaction text through Supabase to OpenAI. This text may include transaction dates, merchant or payment descriptions, amounts, currencies, statement structure, and the last four card digits. Full card and account numbers and labeled profile details are removed before transmission. You can continue with a usable local result instead of requesting AI help.

Statement comparisons do not change your ledger until you confirm them. Confirmed matches may update reconciliation status, selected missing charges may become expenses, and a one-way transaction fingerprint may be stored and synced to help prevent duplicate statement imports or confirmations.

Widgets, Live Activities, and notifications

Speakance stores limited widget and Live Activity state on your device, such as current recording status, recent expense summaries, top categories, queue counts, and dashboard totals. Direct Home Screen voice capture may create a temporary local audio file before the app queues it for processing. If you enable notifications, Speakance may register a device token so the service can notify you when an expense is ready and open the relevant ledger item from the notification.

Exports and backups

PDF reports, CSV exports, and JSON backups are created only when you request them in the app. Those files may contain expense records, queued captures, recently deleted restore data, categories, trips, payment methods, reconciliation status and statement duplicate-protection fingerprints, subscriptions, active trip selection, default currency, capture language, raw capture text if you choose to include it, and auto-save preferences. You control where exported files are saved or shared.

Service providers

Speakance uses third-party infrastructure providers to operate the service, including Supabase (for authentication, database, and storage) and OpenAI APIs (for transcription and/or parsing when enabled). Speakance may also request public reference exchange rates from Frankfurter for estimated mixed-currency summaries. Reference-rate requests do not include expense or account data. OpenAI may process filtered, redacted statement transaction text only when you explicitly request optional AI statement help. These providers process data only to provide the requested functionality.

Data retention

Expense records and related metadata remain in your account until you delete them. Recently deleted items may be kept locally for restore flows until they expire or are permanently cleared. Subscription records remain until you cancel, delete, overwrite them with a backup, or delete your account. Statement PDFs, passwords, and temporary parsed comparison results are not kept as synced statement documents; confirmed expenses, reconciliation status, and duplicate-protection fingerprints may remain with your ledger. Temporary uploaded voice files are intended to be deleted after processing, and stale uploaded voice files may be cleaned up later if processing fails. Account deletion is designed to remove your account and synced service data.

Security

We use reasonable technical measures to protect your data in transit and at rest. No method of storage or transmission is completely secure, and we cannot guarantee absolute security.

Your choices

• You can use text capture instead of voice capture
• You can use manual entry when AI capture is unavailable or paused
• You can edit or delete expenses inside the app
• You can mark expenses reconciled or unreconciled and update selected rows in bulk
• You can compare a statement locally without requesting optional AI help when the local result is usable
• You can review statement matches and selected imports before confirming any ledger changes
• You can add, skip, or cancel active subscriptions
• You can create filtered PDF or CSV reports, including trip-scoped reports
• You can disable expense-ready notifications in Speakance Settings or iOS Settings
• You can remove Home Screen widgets and Live Activities through iOS controls
• You can export PDF reports, CSV files, or JSON backups for your own records
• You can import a JSON backup to restore local app data
• You can permanently delete your account from Settings → Account → Delete Account in the app

Contact

For privacy questions or requests, contact support@speakance.app.