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In the current version of SpendClear, purchase-check information is processed locally in your browser during normal operation. Bacenik may receive your email address and technical information reasonably necessary to operate and secure the service.
This summary describes how the current version of SpendClear handles information. It is provided for your convenience and does not replace the complete Privacy Policy below.
In the current version of SpendClear, purchase-check information is processed locally in your browser during normal operation.
The following is an overview of our principal practices:
Normal operation means ordinary product use, excluding support submissions, bug reports, user-initiated exports, security incidents, misuse, legal requests, or technical diagnostics.
In the current version of SpendClear, guardrails, purchase checks, history, notes, and settings are stored locally within your browser environment and are not stored on Bacenik servers during normal operation.
Bacenik may receive your email address, authentication records, and technical information reasonably necessary to operate and secure the service during normal operation.
We process account and technical information to provide the service, secure the service, comply with legal obligations, and protect against misuse.
Third-party service providers that assist in operating the service may process information on Bacenik's behalf. These providers may include hosting, infrastructure, authentication, email delivery, security, diagnostics, exchange-rate, analytics, payment, support, and other operational providers, depending on the Service and configuration. Providers may change from time to time.
Technical logs, support correspondence, and user-initiated exports may include information you voluntarily provide. Additional detail appears in the complete Privacy Policy below.
During normal operation, Bacenik does not receive purchase-check amounts, income, savings, or other financial figures you enter into SpendClear.
The free tier does not connect directly to bank accounts or credit-card accounts. SpendClear Premium may let you connect supported budget tools (such as YNAB, Monarch, or Simplifi) with your consent; credentials are handled per that provider's flow and are not stored in your main data export.
The current version of SpendClear does not use artificial intelligence to process purchase-check information. Future versions may include additional features subject to updated privacy disclosures before deployment.
Bacenik does not sell personal information for monetary compensation. Bacenik does not engage in cross-context behavioral advertising as described in the complete Privacy Policy.
Email sign-in is required to use SpendClear. Purchase-check information remains in your browser environment during normal operation.
Authenticated use requires session technologies, including cookies, to maintain your session and secure the service. These technologies cannot be disabled while you use authenticated features. They are distinct from purchase-check information stored locally in your browser environment.
When display currency conversion is enabled, SpendClear may request exchange-rate data using currency codes only. Purchase-check amounts are not transmitted for exchange-rate lookups during normal operation.
You may export or delete local SpendClear data through Settings, including Export my data, Export trust diagnostics, and Clear all local data. See Your Data Rights (/user-data-rights) and Privacy Section 19.3 for the current data-rights scope.
Retention schedules for all categories appear in Section 7 and Section 19 of the complete Privacy Policy below.
Information may be processed in the United States and in other countries where our service providers maintain facilities. Where required by applicable law, Bacenik implements appropriate safeguards for international transfers, including standard contractual clauses where applicable.
Bacenik may modify, suspend, or discontinue features at any time, subject to the Terms of Service.
The complete Privacy Policy below contains additional terms, definitions, and schedules that govern your use of SpendClear.
This summary is furnished for convenience only. In the event of any inconsistency, the complete Privacy Policy below controls.
Effective date: May 19, 2026. Last updated: June 11, 2026.
Bacenik LLC ("Bacenik," "we," "us," or "our") operates Bacenik products, applications, websites, APIs, and related services (collectively, the "Services"). This Privacy Policy describes how information may be collected, used, stored, disclosed, and otherwise processed when you access or use the Services.
This policy is intended to reflect our operational practices as of the date listed above. Your rights and our obligations may vary based on applicable law, your location, and product configuration.
Product-specific terms. Individual Services may process information differently. The SpendClear Product Schedule (Section 19) applies to the SpendClear web app in the current version and controls for SpendClear where it describes that product.
For purposes of the EU/UK GDPR and similar laws, Bacenik LLC is the data controller for personal data processed under this policy, unless we state otherwise in a separate agreement.
Contact: Privacy & data requests · General inquiries — both reach info@bacenik.com.
Where supported by product configuration, portions of the Services use a local-first design. Certain content—settings, notes, prompts, guardrails, histories, or configuration—may remain on your device rather than centrally stored by Bacenik.
Even with local-first design, information may still be processed or transmitted when you use cloud-connected features, including for example:
You should assume information submitted to cloud-connected functionality may transit through third-party infrastructure providers.
Depending on the Service and your choices, we may process:
Do not submit export-controlled, classified, protected health, or other highly sensitive regulated information through consumer Services unless we have agreed in writing that the Service supports it.
Certain Services may use third-party AI or infrastructure providers.
Where supported by provider terms and configuration, Bacenik may configure providers to:
Provider practices vary by vendor, region, tier, and configuration. Bacenik does not guarantee that a third party will never retain, inspect, or process information beyond our intended configuration.
SpendClear (current version): AI features are not enabled for purchase-check information in the current SpendClear build. See Section 19.
We may use information to:
We do not sell personal information for monetary compensation. We do not use personal information for cross-context behavioral advertising as defined under applicable California law.
Legal bases (EEA/UK): Where GDPR applies, we rely on contract performance, legitimate interests (e.g., security and operation), consent where required, and legal obligation.
Depending on configuration, we and providers may use cookies, local storage, session identifiers, analytics, or telemetry to deliver, secure, remember preferences, understand usage (where enabled), and diagnose issues. You may control some settings in your browser or device.
We retain information only as long as reasonably necessary for operational, legal, security, or support purposes.
| Category | Typical retention |
|---|---|
| Account and authentication records | While your account is active and as needed for security and legal obligations (see Section 19.6) |
| Support and privacy emails | Up to 24 months |
| Error and infrastructure logs | 30–90 days |
| Analytics (where enabled) | 12–24 months |
| Security monitoring logs | As needed for security operations |
| Temporary server-side exports | Short-term, then deleted |
| Backup systems | Rolling encrypted cycles |
On-device data remains until you delete it, clear site data, or uninstall—unless a Service syncs to the cloud.
We use reasonable administrative, technical, and organizational measures designed to protect information, which may include encryption in transit (TLS), access controls, monitoring, and vendor requirements. No method of storage or transmission is completely secure; we do not guarantee absolute security or uninterrupted operation.
Information may be processed in the United States and other countries where we or providers operate. Where required, we use appropriate safeguards for transfers from the EEA/UK (such as standard contractual clauses).
California residents may have rights to access, delete, correct, and obtain a portable copy of personal information, and to limit certain uses, subject to exceptions. We do not sell personal information for monetary compensation or knowingly share it for cross-context behavioral advertising as defined under applicable California law.
Submit requests to info@bacenik.com. We may verify your request before responding.
Depending on applicable law, you may have rights to access, correct, delete, object to or restrict processing, portability, withdraw consent, and complain to a supervisory authority. Contact info@bacenik.com. Information stored only on your device may require in-product export or clear controls.
The Services are not directed to children under 16, or the higher minimum age required in your jurisdiction. We do not knowingly collect children's information in violation of applicable law. Contact info@bacenik.com if you believe a child has provided information to us.
Where supported, you may export data in-product, request access or deletion of information we hold, or clear local data in settings. Some information cannot be deleted immediately due to legal obligations, backups, fraud prevention, or security investigations.
We use third-party service providers that process information on our behalf to help provide, operate, secure, support, and improve the Services. Providers may change over time.
Depending on the Service and configuration, categories of service providers may include:
We require service providers to process information only as permitted by contract or applicable law. Some providers may process technical information, such as IP address, device information, browser information, request metadata, logs, and similar operational data, to deliver and secure the Services.
SpendClear (current version): See Section 19 for product-specific processing. When you choose a display currency different from your home currency, SpendClear may request reference exchange rates using currency codes. Purchase amounts are not sent for exchange-rate lookups during normal operation.
Service outputs are informational unless we agree otherwise in writing. The Services do not provide legal, medical, financial, tax, investment, or compliance certification advice. You remain responsible for your decisions and for obtaining professional advice where appropriate. See the Financial disclaimer.
We may update this policy. We will change the Last updated date and, where appropriate, provide in-app or website notice for material changes.
Privacy requests and data-subject rights: info@bacenik.com
General product questions: info@bacenik.com
Both addresses currently route to the same operational inbox. Please include "Privacy request — SpendClear" in the subject line for privacy requests so we can respond promptly.
This policy is an operational disclosure and does not create contractual guarantees or security warranties beyond those required by law. Additional terms may apply to enterprise, regulated-industry, or separately contracted deployments.
This schedule applies to the SpendClear web application in the current version. It supplements Sections 1–18 and controls for SpendClear where stated. Future versions may introduce additional features described in updated privacy disclosures before deployment.
Normal operation. Normal operation means ordinary product use, excluding support submissions, bug reports, user-initiated exports, security incidents, misuse, legal requests, or technical diagnostics.
SpendClear provides educational, rule-based purchase-clarity signals from information you enter. It is not a bank, lender, broker-dealer, investment adviser, credit-repair organization, consumer reporting agency, or money-transmitter. See the Financial disclaimer.
| Capability | SpendClear (current version) |
|---|---|
| Email sign-in | Required. Authentication records, including email and session tokens, are stored server-side through Bacenik's authentication, email delivery, and infrastructure providers. |
| Bank / card connectivity | Unavailable in the current version (no direct connection to bank or credit-card accounts) |
| AI processing of purchase-check information | Not used in the current version. Future versions may include additional features subject to updated privacy disclosures before deployment. |
| Payment / subscriptions in-app | Unavailable in the current version |
| Push notifications | Unavailable (preference may be stored locally only) |
| Cross-context behavioral ads | Not used in the current version |
| Sale of personal information | Not sold for monetary compensation |
| Live display FX (optional) | When display currency differs from home currency, SpendClear may request exchange-rate data for formatting only. Scoring uses entered home-currency numbers. |
| Smart Scan (trial, opt-in) | Device camera, on-device barcode reading (where the browser supports it), and on-device OCR to suggest a purchase amount; camera frames processed locally and not intentionally uploaded to Bacenik by SpendClear or stored by Bacenik during normal operation; default off in Settings |
| Category Intake (preview, opt-in) | Same on-device camera/barcode/OCR pipeline to suggest price and a best-effort item name while you build a session total for a spend category; camera frames processed locally and not intentionally uploaded to Bacenik by SpendClear or stored by Bacenik during normal operation; you confirm each line. With Premium access, optional trip tax rate you choose (stored in your browser environment; not sent to our server for lookup) |
In the current version, the following are stored locally within your browser environment (local or session storage) and are not stored on Bacenik servers during normal operation:
Your controls: Settings → Export my data, Export trust diagnostics, and Clear all local data. Export my data includes a versioned manifest and the categories listed above (operational caches such as FX or tax lookup caches are disclosed in the manifest but not included in the main bundle). Clear all local data removes every documented SpendClear key on this device, including Financial Context cache and trust diagnostics. See the plain-English Your Data Rights guide and this section for the current user-facing summary of SpendClear data rights.
When you load SpendClear from our deployment, hosting and infrastructure providers may process technical data, such as IP address, user agent, request metadata, and similar operational information, to deliver and secure the site.
When you sign in with email, Bacenik's authentication, email delivery, and infrastructure providers may process information needed to deliver sign-in messages, maintain authenticated sessions, and store authentication records.
Bacenik does not receive your purchase-check amounts or guardrail numbers during normal operation. If you email us at info@bacenik.com, we process your message and email address to respond. Certain technical logs, support submissions, or user-initiated exports may contain information voluntarily provided by you.
If you set a display currency different from your home currency, the app may fetch reference exchange rates through Bacenik-controlled service routes or third-party exchange-rate services. Requests include currency pair codes and standard request metadata, not your entered amounts. Rates may be cached briefly on your device for offline display; stale rates may be labeled in the UI. Scenario scores use your home-currency inputs.
If you enable Smart Scan (trial) or use Category Intake (preview), the app may request camera access to read a barcode and/or price tag. Processing uses the browser's barcode APIs (where available) and on-device OCR technology. Camera frames are processed locally in your browser and are not intentionally uploaded to Bacenik by SpendClear or stored by Bacenik during normal operation. Bacenik does not use Smart Scan images or camera frames to identify users. Camera permission is controlled by your browser or device and may be revoked through device or browser settings. Detected amounts and item names are suggestions only — you confirm or edit before a check or basket line is added; scoring is unchanged. With Premium access, an optional trip tax rate you select is applied in your browser environment to your basket subtotal (not a server tax lookup; not your receipt).
SpendClear uses local storage for purchase-check functionality. For authenticated use, we use required session technologies, including cookies and httpOnly session identifiers, to keep you signed in and secure the service. These technologies are required for sign-in and cannot be turned off while using authenticated features. They are separate from purchase-check information stored locally in your browser environment. The current version does not use advertising cookies or third-party analytics platforms. Essential hosting and security logs may still be generated as described in Section 19.4.
| Data | Retention |
|---|---|
| Browser-environment SpendClear data | Until you export, clear, or remove site data |
| Account and authentication records | While your account is active and as needed for security and legal obligations |
| Security logs | Retained for reasonable security and fraud-prevention purposes |
| Support / privacy emails | As necessary to resolve requests and comply with legal obligations, typically up to 24 months unless longer retention is required or appropriate |
| Hosting provider logs | Per hosting provider policies and applicable configurations |
Data stored in your browser environment: use in-app Export and Clear. Other requests: info@bacenik.com.
Terms of Service · Financial disclaimer
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