How Expense AI handles your data

This policy explains what information Expense AI uses to provide personal expense tracking, monthly budgets, loan records, and financial-data questions.

Last updated: July 29, 2026

Information you provide

Expense AI stores the information required for your account and the features you choose to use. This can include profile settings, transactions, income and expense descriptions, categories, budgets, personal loan or debt records, and questions sent to the financial assistant.

How information is used

Your information is used to authenticate your account, save and organize financial records, calculate totals and budget progress, display charts, answer requested questions, provide exports, secure the service, and diagnose operational errors.

AI processing

Natural-language transaction entries and financial questions are sent to Google Gemini for processing. If Gemini has a temporary service failure and fallback is configured, a request may be sent to Groq. Financial questions can include relevant saved records and deterministic summaries needed to answer the question.

Optional voice input

If you choose voice input, your browser or device speech service converts microphone audio into text. Expense AI receives the resulting text through the same transaction-entry flow and does not intentionally store the microphone recording. Browser and platform speech-processing practices may vary by device.

Storage and service providers

Account and financial records are stored in Supabase. Row Level Security policies restrict authenticated users to their own rows. Vercel provides application hosting and server execution. These providers process data as needed to operate their part of the service.

Authentication and essential storage

The application uses essential authentication data, including cookies or similar browser storage, to keep you signed in and protect access to private pages. Expense AI does not use this essential storage to sell personal financial information.

Data retention

Account records are retained while your account remains active or as needed to operate and protect the service. You can permanently delete your account and associated application records from Settings.

Export and deletion

You can export your saved profile, transactions, budgets, and loan records from Settings. You can also request permanent account deletion there. Export records you want to retain before deleting your account because deletion cannot be undone.

Security and your responsibilities

Reasonable technical controls are used to limit account access, but no online service can guarantee absolute security. Keep your login credentials private. Do not enter bank passwords, complete card numbers, government identifiers, authentication codes, or other secrets into transaction notes or AI questions.

Changes to this policy

This policy may be updated when the service or its data practices change. The latest revision date will remain visible on this page.