Spendict
Privacy
A plain-language summary of how Spendict handles the planning data you choose to use.
Scope of this summary
This page describes the Spendict product. It does not replace the privacy terms of a connected revenue provider, Clerk, Convex, or any independent backup location you choose.
What Spendict stores
Your workspace can contain the pay target, cash-buffer target, monthly snapshots, scenarios, reviewed actuals, and the personal goals, optional targets, and completion statements you choose to add.
Local and cloud workspaces
Without signing in, your plan stays in this browser. When you sign in, Spendict stores the workspace in your private account so it can sync across devices. Moving a browser plan into an account is an explicit choice.
Financial information
Manual and CSV figures are founder-supplied. They are planning inputs, not independently verified bank records. If you connect an enabled revenue provider, Spendict stores the connection credentials separately from your workspace and uses the provider’s reporting data only for the monthly report flow you choose.
Provider data retention
Connected provider credentials remain encrypted until you disconnect or erase provider data. Provider report previews and disconnected connection metadata are retained for up to 30 days, then scheduled for deletion. Financial amounts already staged into your workspace remain your records; removing provider data removes credentials, reports, and source labels rather than silently changing those amounts. Minimal account-level request-limit counters contain no provider credentials or report figures; they are scheduled for cleanup after 24 hours of inactivity and removed on account deletion.
Your choices
You can export a JSON backup or CSV of monthly figures from Data & accounts. Account-profile controls are provided by Clerk. For company and contact details, see the operator disclosure below.
Subscription payments
When subscriptions are enabled, Polar handles checkout, payment details and invoices. Spendict sends your account identifier and account email to link your subscription, and stores subscription status, product and renewal information separately from your financial plan. Spendict does not store full payment-card details. See Polar’s privacy notice.
Service providers
Authentication is provided by Clerk; cloud storage is provided by Convex. Their own privacy notices describe their services.
Operator
SPACE CADET d.o.o. develops Spendict. Its company and contact details are published on the operator website.