Privacy Policy & Terms of Use

learnspense is a local-first personal expense tracking web application operated by lodev, an independent developer.

The app is available at https://learnspense.vercel.app.

For any privacy-related questions or requests, contact learnspense@lods.fun.

learnspense is designed to collect as little data as possible.

learnspense does not require user accounts, sign-ups, logins, or profile creation. You can use the app entirely anonymously.

learnspense does not operate a user database and does not store your expense entries on remote servers.

Your data remains on your device unless you choose to export, share, sync, or back it up yourself.

learnspense itself does not set cookies.

Third-party services such as Google AdSense may use cookies for advertising, measurement, and personalization purposes.

You can manage or disable cookies through your browser settings at any time.

learnspense uses the following third-party services:

• Google AdSense — advertising
• Vercel — hosting and analytics

These services operate under their own privacy policies and terms.

learnspense is not responsible for the privacy practices of third-party providers.

Data stored in your browser's localStorage remains available until you clear your browser storage or manually remove it.

learnspense cannot delete or recover locally stored data on your behalf because the app has no access to it.

learnspense does not maintain any server-side database of user information or expense records.

learnspense is not directed toward children under the age of 13.

We do not knowingly collect personal information from children.

If you believe a child has provided personal information through this site, contact us and we will take appropriate action.

Depending on your location, you may have rights under laws such as GDPR or CCPA regarding access to, deletion of, or control over personal data.

Because learnspense stores expense data locally in your own browser, these rights are generally exercised directly through your browser settings or device controls.

For privacy-related requests, contact learnspense@lods.fun.

This policy may be updated from time to time.

The “Last updated” date at the top of this page reflects the latest revision.

Continued use of learnspense after changes are posted constitutes acceptance of the updated policy.

By accessing or using learnspense, you agree to these terms.

If you do not agree with these terms, please discontinue use of the site.

learnspense is intended for personal expense tracking and budgeting purposes.

The app is provided free of charge for personal, non-commercial use.

You agree not to:

• Use the app for unlawful purposes
• Attempt to interfere with the operation or security of the site
• Copy, redistribute, or resell portions of the app without permission

learnspense is provided “as is” without warranties of any kind, express or implied.

We do not guarantee the accuracy, reliability, or availability of the service at all times.

Financial summaries and calculations depend entirely on the information you enter into the app.

learnspense is not a financial advisor and does not provide legal, accounting, tax, or investment advice.

The learnspense name, branding, original interface design, and original application code are owned by lodev, unless otherwise stated.

Third-party frameworks, libraries, fonts, and assets remain the property of their respective owners.

These terms are governed by the laws of the Republic of the Philippines.

Any disputes arising from use of learnspense shall be subject to the jurisdiction of the courts of the Philippines.

For questions regarding this policy or these terms, contact learnspense@lods.fun.