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Privacy policy

Last updated: 24 September 2026

Creso is an expense-tracking app published by Providence (hola@providencehq.es).

This is the English version of the policy. The Spanish original is the one published first; if the two ever disagree, the Spanish text prevails.

The short version

Your data stays on your phone.

Everything you record — accounts, transactions, categories, contacts, budgets, receipt photos and your settings — is stored in the app’s private storage, on your phone. There is no account to create and we have no servers to keep it on, so we receive nothing of yours: not your transactions, not your figures, not an identifier.

If you uninstall the app, that data goes with it.

What data the app handles

What you type: amounts, descriptions, dates, names of accounts and contacts, notes and the photos you attach. The app’s «contacts» are names you type, not your address book.

The app does not access your bank accounts and does not connect to any bank.

Payment alerts (Android only, and only if you turn it on)

On Android, Creso can read the notifications your phone receives in order to offer to record a payment without typing it. It is off, and it only works if you go to Android’s settings and switch it on yourself; you can switch it off the same way whenever you like. On iPhone this feature does not exist: iOS does not let one app read another app’s notifications.

While it is on:

  • A notification is only kept if it contains an amount with a currency next to it. Your messages and ordinary notifications do not, and are not kept.
  • At most the 80 most recent are kept, on your phone, and you can delete them all at once from the app.
  • They are not included in backups and never leave the phone.
  • Nothing is ever recorded on its own: the app proposes the transaction and you save it.

Internet

Creso connects on its own to exactly one place: the European Central Bank’s public table of exchange rates, and only if you have something recorded in a currency other than yours. It is a download; nothing of yours is sent. You can switch it off in Settings.

You type the prices of your investments yourself, unless you turn on the option in the next section.

Automatic prices (only if you turn it on)

You can plug in your own free account with EODHD, an external stock-market data provider, so that the closing price of your shares and funds arrives on its own. It is off, and it only works if you open that account yourself and paste your key into the app; you remove it whenever you like by deleting the key.

While it is on:

  • Once a day, your phone asks EODHD for the price of each holding you have given a code, identifying itself with your key. What leaves the phone is those codes (for example «SAN.MC») and your key; no quantities, accounts, transactions or anything else from your ledger.
  • The request goes from your phone straight to EODHD. It does not pass through any server of ours and we see nothing.
  • What EODHD does with that request (for example, logging it) is governed by its own privacy policy, which you accepted when you opened the account with them.
  • Your key is stored on your phone and is not included in backups.

Permissions

Each permission is requested when you turn on the feature that needs it, and for that alone: notifications (reminders), fingerprint or face (locking the app — the check is done by the system, we never see your fingerprint), camera and photos (attaching a receipt), a folder you choose (automatic backup) and internet (as above).

Backups

When you export a backup, the file is yours and goes wherever you send it. It contains your data unencrypted: keep it where you would keep a bank statement. What happens to it in your cloud or your email is governed by that service’s policy.

On Android, automatic upload to Google Drive is disabled for this app, so your data does not reach a cloud that way. Direct transfer when you change phones does work, because it goes from one phone to the other without passing through any server.

On iPhone, if you have the iPhone’s own iCloud Backup turned on, iOS includes apps’ data in it, Creso’s included. That backup is yours: Apple makes it with your account, we cannot see or access it, and it is what lets you get your data back on a new iPhone. If you don’t want it, you can turn it off in Settings → your name → iCloud.

Purchases

Payments are processed by the store you buy from: Google Play on Android and the App Store on iPhone. The app does not receive or keep your card details or your store account details; it only knows whether you have Pro.

Children

The app is not directed at children under 13.

Your rights

Since we do not process your data outside your phone, you exercise your rights from the app itself: access and portability by exporting a backup or a CSV, rectification by editing, and erasure by uninstalling. If something does not add up, write to hola@providencehq.es; you can also complain to the Spanish Data Protection Agency (www.aepd.es) or to the authority of your country.

Changes

If this policy changes, the date above changes and the new version ships inside the app. If a new feature ever needed to handle your data differently, you would be told inside the app before it happens and could decide.

Contact

Providence — hola@providencehq.es