Privacy Policy

Last updated: March 08, 2026

This Privacy Notice for Lomi Ventures FZ-LLC describes how and why we may access, collect, store, use, and share your personal information when you use Spendable.pro, including our website, mobile application, and related services.

Spendable.pro is a digital personal finance platform that helps users track bank accounts, investments, and cryptocurrency holdings in one place, with tools for budgeting, financial organization, spending analysis, and AI powered financial workflows, including native integration with ChatGPT.

1. Information We Collect

Information you provide directly

We collect personal information that you voluntarily provide to us when you register, use the Services, contact us, request support, participate in promotions, or otherwise interact with Spendable. This may include your name, phone number, email address, username, password, billing address, contact preferences, authentication data, and other information you choose to provide.

Sensitive information

Where permitted by law and where necessary to provide the Services, we may process sensitive information such as financial data. If biometric or voice related features are introduced in AI or voice interactions, they will only be processed where legally permitted and, where required, with your consent.

Payment data

If you make purchases through the Services, we may collect data necessary to process your payment. Payment information is handled only to the extent necessary for billing and transaction processing.

Social login data

If you choose to register or log in using a social media account, we may receive certain profile information from that provider, such as your name, email address, profile image, and other information you choose to make available.

Application and device data

If you use our app, we may collect device identifiers, device model, operating system, browser type, app version, IP address, mobile carrier, system configuration, and diagnostic data. We may also request permissions for notifications, contacts, social media account access, or secure bank integrations through licensed partners, depending on the features you choose to use.

Information collected automatically

We automatically collect certain information when you access or use our Services, including IP address, browser and device characteristics, language preferences, referring URLs, usage logs, interaction patterns, crash data, and approximate location information. We also use cookies and similar technologies for core functionality, analytics, security, and service improvement.

Information from third parties

We may receive information from public databases, marketing partners, affiliate partners, analytics providers, social media platforms, and other external sources in order to improve our records, support marketing, prevent fraud, and provide relevant services.

2. How We Use Your Information

We use your information to provide, operate, maintain, and improve Spendable. This includes account creation and authentication, syncing financial data, delivering budgeting and net worth tools, sending account and support communications, analyzing product usage, preventing fraud, improving performance, enforcing our terms, and complying with legal obligations.

We may also use your information to send marketing communications, request feedback, personalize content, measure the effectiveness of campaigns, and protect the safety and integrity of the Services. We do not sell your personal information.

3. AI Based Features

Spendable may offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies. These AI features may include conversational budgeting, financial insights, predictive analytics, voice based interactions, bulk uploads, and other automated assistance.

To provide these features, we may share relevant inputs, outputs, and related personal information with third party AI service providers, including providers such as OpenAI, Anthropic, Google Cloud AI, and Hugging Face, where applicable. We process such data only as necessary to provide the requested AI functionality and in accordance with this Privacy Policy and applicable law.

4. Legal Bases for Processing

Where required under applicable law, including the GDPR and UK GDPR, we rely on one or more legal bases to process your personal information, including your consent, the performance of a contract, compliance with legal obligations, protection of vital interests, and our legitimate interests, provided that those interests are not overridden by your rights and freedoms.

5. Sharing of Information

We may share your information with service providers, infrastructure providers, analytics providers, payment processors, customer support tools, licensed banking and financial data partners, social login providers, AI service providers, and other vendors that help us operate the Services. We may also disclose information in connection with legal requirements, fraud prevention, business transfers, or to protect rights, property, and safety.

We do not sell personal information and we do not share mobile opt in data or consent information with third parties for marketing purposes.

6. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to operate the Services, maintain security, remember preferences, measure traffic, analyze usage, and improve performance. We may also allow analytics and advertising related partners to use tracking technologies where permitted by law and subject to applicable consent requirements.

For more information, please refer to our Cookie Notice available at /legal/cookies.

7. Data Retention

We retain personal information for as long as necessary to provide the Services, maintain your account, comply with legal obligations, resolve disputes, prevent fraud, and enforce our agreements. In general, we keep account related information for as long as you maintain an account with us, unless a longer retention period is required or permitted by law.

8. Data Security

We implement reasonable technical and organizational safeguards designed to protect your personal information. However, no internet transmission or storage system can be guaranteed to be completely secure. You use the Services at your own risk and should only access them in a secure environment.

9. Minors

Our Services are not directed to children under 18 years of age, or the equivalent age under the law of your jurisdiction. We do not knowingly collect personal information from minors. If you believe that a minor has provided us with personal information, please contact us so that we can take appropriate action.

10. Your Privacy Rights

Depending on your jurisdiction, you may have the right to access, correct, update, delete, or restrict the processing of your personal information, receive a copy of your data, withdraw consent, object to certain processing, and request portability. You may also have rights related to profiling, automated decision making, targeted advertising, and sensitive personal information under applicable law.

You may exercise your rights by contacting us at hello@spendable.pro or by using the privacy request methods made available on Spendable.pro.

11. International and Regional Rights

If you are located in the EEA, UK, Switzerland, Canada, California, or another jurisdiction with specific privacy laws, you may have additional rights under those laws. Where required, we will honor valid requests in accordance with applicable legal requirements.

12. Third Party Websites

Our Services may contain links to third party websites, apps, or services. We are not responsible for the privacy or security practices of those third parties. You should review their policies before providing them with personal information.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect legal, operational, or product changes. When we do, we will update the effective date shown above and, where required, provide additional notice.

14. Contact

If you have questions or comments about this Privacy Policy, you may contact us at hello@spendable.pro or by post at Lomi Ventures FZ-LLC, Compass Building, Al Shohada Road, AL Hamra Industrial Zone FZ, Ras Al Khaimah, United Arab Emirates.

EEA and Switzerland representative: Lorenzo Capone, contactable at hello@spendable.pro.