Last updated: 8 September 2026
Saldo is an app for tracking what you spend. This page says what it stores, where, who else sees it and how to delete it. It is written to be read, not to cover us.
Alejandro Alonso García, the developer of Saldo. For anything about your data: alex28042@gmail.com.
| What | Why |
|---|---|
| The expenses and income you record: amount, date, category, account and any note you write. | It is the app. Without this there is nothing to show you. |
| Your answers to the opening questions: income, fixed costs, your goal and where your money goes. | The budget is worked out from them. |
| A device identifier generated by the app. | It is what identifies you before you sign in, so you can use Saldo without giving an email address. |
| If you sign in with Apple or Google: your identifier with that service, your email and your name where the provider supplies it. | So your data follows you to a new phone. |
| If you turn on automatic capture: the amount, the merchant and the card name that Shortcuts hands over when you pay contactlessly. | It becomes the provisional expense you confirm or discard. |
| Usage events: which screen opened, which onboarding step was answered, whether a subscription was bought — with the app version, platform and language. | To find out where people get stuck. They never carry your name, your notes or exact amounts. |
If you turn it on, you are the one who creates an automation in Apple's Shortcuts app. Shortcuts is what notices the contactless payment and what hands Saldo three things: the amount, the merchant and the card name. Saldo never sees your card number, never sees your other payments, and sees nothing at all if you delete the automation — which you can do from Shortcuts at any time, without going through Saldo.
In a PostgreSQL database on servers in the European Union, operated through the Fundaia platform. Connections are encrypted (TLS). Your session tokens live in the iPhone's own keychain, not on the server.
| Who | What they receive | What for |
|---|---|---|
| Apple | What an in-app purchase requires, and Sign in with Apple if you use it. | Taking the subscription payment and letting you in. |
| Only if you use Sign in with Google: your email and your name. | Letting you in. | |
| RevenueCat | Your Saldo user identifier and your subscription status. | Knowing whether you have paid. It receives none of your expenses. |
Nobody else. No ad networks, no tracking pixels, no third-party SDKs beyond RevenueCat's.
For as long as you have an account. Deleting it deletes everything: the expenses, the accounts, the budget, the onboarding answers and the linked identities. No copy is kept just in case.
You can delete your account and all your data from inside the app, under Profile, without writing to anybody and without waiting. You also have the right to access, correct and port your data and to object to its processing; write to us and we will do it.
If you think we have handled it badly, you can complain to the Spanish Data Protection Agency (aepd.es).
Saldo is not aimed at children under 13 and does not knowingly collect their data.
If this policy changes in a way that matters, you are told inside the app before the change affects your data.