Effective Date: November 10, 2026
Thank you for using Expenmo! This Privacy Policy explains how Expenmo, a product developed and operated by HomeAsync LLC ("we", "us"), collects, uses, and protects your information on the web app (expenmo.com) and the Android app. By using Expenmo, you agree to the terms outlined in this policy. Your use of Expenmo is also covered by our Terms of Service.
In short: you can use Expenmo without an account, and then your data stays on your device. If you choose to create an account, your expenses are stored on our servers so they're available on every device you sign in on, and you can choose to share expenses with people you invite. We don't sell your data, show ads, or use it for marketing.
An account is optional. Without one, everything you enter (expenses, amounts, the names of people you split costs with, groups, recurring expenses, notes and settings) is stored only on your device and is not sent to us. Exporting a backup file saves a copy wherever you choose; we don't receive it.
Sign-in is provided by Auth0 (an Okta service). You can sign in with an email address and password, or with Google. Your password is handled by Auth0 and is never shared with us. When you sign in, we receive and store:
We use these to run your account and to personalize the app, for example greeting you by your first name and showing your profile photo.
While you're signed in, the expenses, groups and recurring expenses you create are stored on our servers, linked to your account, and only your account can access them, except for expenses you share with someone you've linked to (see section 3). This includes the names you enter for other people you split costs with; we don't verify these names or use them for any other purpose, and we only contact someone if you invite them by email. If you add yourself to an expense, your name and profile photo link are saved with it.
When you first sign in, Expenmo offers to move the data already on your device into your account. Nothing is moved unless you choose to.
While signed in, you can invite someone by entering a name for them and their email address. We store both with your account and send that person one email inviting them to link with you. The email includes your account name. They don't need an Expenmo account to receive it, and nothing else is sent to them unless they sign in and accept. An invite only links to an account whose email address has been verified by the sign-in provider and matches the one you entered.
Once someone accepts your invite, you're linked, and:
Sharing is checked every time an expense is viewed: if either of you removes the link, or the owner removes the person from an expense, it stops being shared straight away.
Someone you've shared an expense with can record a payment they made to you, with an amount and an optional note. We store it, linked to both accounts, and show it to you to approve or deny. It's only counted towards the expense once you approve it.
We send emails about invites (to the person invited) and about payments (to the expense's owner). Every email includes an unsubscribe link. If someone unsubscribes, whether or not they have an account, we keep their email address on a list so we don't email them again; the link from an email works for one year.
While you're signed in, Expenmo can show notifications when someone invites you, accepts your invite, adds you to an expense, or records or answers a payment:
To deliver them we use Firebase Cloud Messaging from Google: each phone or browser gets a push token, and we store that token with your account. The token is deleted when you sign out on that phone or browser, or delete your account. You can also block Expenmo's notifications in your phone's or browser's settings at any time.
While signed in, you can turn each kind of email and push notification on or off in Settings. Unsubscribing from an email turns emails off in the same setting.
If you send feedback from Settings, we store what you write, the type of feedback (bug, idea or other), the email address you give for a reply (optional), whether it came from the web or Android app and the app's version, and, if you're signed in, which account sent it. We use it only to improve Expenmo and to reply to you if you asked us to.
The web app asks whether you accept analytics. Only if you accept, it uses Google Analytics to understand how Expenmo is used, such as which screens are visited and general usage trends. Google Analytics may collect information such as browser type, device type, operating system, and usage patterns via cookies. This data is used solely to improve the application and is not used to identify you. If you decline, Google Analytics isn't loaded.
Google's use of information collected by Google Analytics is governed by the Google Privacy Policy. You can also block it with your browser settings or the Google Analytics Opt-out Browser Add-on.
Our web host, Cloudflare, provides aggregate visit statistics (such as page views and load times) without cookies and without identifying individual visitors.
The Android app does not use analytics. It includes Firebase Cloud Messaging only to receive push notifications (see sections 3 and 4), not Firebase Analytics.
We use the following providers to run Expenmo. They process data only to provide their services to us:
Our servers keep technical logs for troubleshooting and security: when a request was made, whether it succeeded, any errors, and identifiers for the signed-in account and the items involved. These logs don't include the contents of your expenses or feedback, such as amounts, names or notes.
We use the information described above only to provide and secure Expenmo, keep your data available across your devices, fix problems, improve the app, and respond to you. We do not sell your information, use it for advertising, or share it with anyone except the service providers listed above, the people you choose to share expenses with (as described in section 3), or when required by law.
Without an account, Expenmo stores your data on your device using LiteDB (Android) and IndexedDB or LocalStorage (web). These storage mechanisms do not encrypt data by default, so they may be vulnerable if your device or browser is compromised. We encourage you to secure your device with a passcode or biometric lock and avoid using Expenmo on shared or public devices.
Data sent between Expenmo and our servers is encrypted in transit (HTTPS), and our database encrypts stored data at rest. Every request for your expense data must come from your signed-in account, and accounts can't access each other's data, except for expenses shared with a linked person, which are checked on every request.
You can use Expenmo without an account, decline analytics on the web app, choose which notifications you get, unsubscribe from emails, remove links with other people at any time, export your data at any time with Settings > Export Data, and delete it as described above. Depending on where you live (for example, under the GDPR in the European Union or the CCPA in California), you may also have the right to request access to, correction of, or deletion of your personal information. To make a request, contact us using the details below.
Expenmo is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has created an account, contact us and we'll delete it.
Expenmo's servers are in the United States. If you create an account from outside the United States, your account data is transferred to and stored in the United States.
We may update this Privacy Policy as Expenmo evolves. If we make significant changes, we'll notify you in the app or by email (if you have an account) before they take effect, and update the effective date above.
For questions or concerns regarding this Privacy Policy, please contact us at:
HomeAsync LLC
Email: support@homeasync.com
Thank you for trusting Expenmo.