Delete your account and data

Last updated: 14 September 2026

You can delete your SpendSmart AI account and the data in it at any time, from inside the app or by asking us. You do not need a reason, you do not need an active subscription, and you do not need to contact us first.

1. Delete it yourself, in the app

Open SpendSmart AI and go to Settings.
Scroll to Delete my account.
Confirm. The deletion runs immediately.

There is a second, narrower option beside it. Delete all data clears your expenses, budgets, goals, categories, recurring entries and receipt images while keeping the account itself, so you can start again from empty without signing up twice.

2. Ask us instead

If you cannot reach the app, for example because you have lost the device or can no longer sign in, email info@spendsmartai.online from the address on the account and ask us to delete it. We will confirm it is you, delete the account, and write back to say it is done. We complete these within 30 days, and in practice much sooner.

3. What is deleted

Deleting your account permanently removes, from our servers:

Your transactions, budgets, savings goals, custom categories, recurring expenses and saved templates.
Your receipt images.
Your profile: email address, display name, country, currency, language and theme.
Your payment handle, including the copy shown beside your name in any group you are in.
Your notification token, and your usage counters.
Your feedback, if you sent any, is stripped of your name and comment. Only an anonymous rating and country remain.

The copy held on the device is removed as well. Deleting the app on its own does not delete your account, because the account lives on our servers and not on the phone.

4. What is kept, and why

Three things survive deletion. We would rather tell you than let you find out.

Shared group records. If you split expenses with other people, those entries belong to the group and not to you alone. Your account is detached from them, and the name you used stays on the entries you were part of, so the other members' record of who owed what stays correct. Deleting one member's account cannot be allowed to silently rewrite everyone else's balances.
Payment and subscription records. Kept as long as Indian tax and accounting law requires, for accounting, refunds and chargebacks. They contain no expense data.
Administrative access logs and cookie-consent records. Kept so we can show, afterwards, that our staff did not look at something they should not have and that we honoured your cookie choice. Neither contains your expenses, your receipts or your email address.

Everything that is deleted is removed from our active systems immediately and purged from encrypted backups within 30 days. Section 9 of the privacy policy sets out every retention period in full.

5. Take a copy first

Deletion cannot be undone, and we cannot restore an account afterwards. If you want to keep your records, export them before you delete: Settings offers a CSV or PDF of your transactions and a JSON copy of your account data. Section 7 of the privacy policy lists exactly what that file contains and how to ask us for the rest.

6. Cancelling a subscription is a separate step

If you pay for Pro, deleting your account does not cancel the subscription, because the billing relationship is held by the store or payment provider rather than by us. Cancel it where you bought it: Settings > your name > Subscriptions on iOS, Play Store > Payments and subscriptions on Android, or the link in your receipt email if you subscribed on the web. Cancel before deleting, or you may keep being charged for an account that no longer exists.

7. Questions

Email info@spendsmartai.online or use the contact form.