Last updated: August 2, 2026
This privacy policy applies to the Say app (hereby referred to as "Application"), developed by Say (hereby referred to as "Service Provider"). The Application is available as a free service with optional subscription plans.
At Say, we are committed to protecting your privacy. This policy explains how we collect, use, and safeguard your information.
If you turn on SMS auto-import (an opt-in feature you enable yourself), we look at messages containing banking keywords and use AI to pull out the expense details. We keep both the original message and the extracted details, which helps us keep improving accuracy and fix anything that gets miscategorized.
If you'd like, Say can automatically track expenses from your bank's SMS notifications. This is entirely optional and off by default — you turn it on yourself in Settings → SMS Auto-Import, and can turn it off again anytime.
We only look at incoming messages that match banking-related keywords, in English or Arabic (e.g., "transaction", "payment", "دفع", "رصيد") — we don't read your other texts. We use AI to pull out the expense details (amount, merchant, date, category) and save them to your expense list, just like a manually entered expense. We also keep the original message text so we can keep improving accuracy over time and help fix anything that gets miscategorized.
You're always in control — revoke SMS access anytime through your device settings, and everything tied to your account, including stored messages, is removed if you delete your account.
Say AI is an in-app chat that lets you ask questions about your own money. Your messages and the relevant pieces of your spending data are sent to Anthropic's Claude AI to generate an answer. We keep a record of these conversations so we can keep improving how well Say AI answers over time — this is never sold or used for advertising, and it's deleted if you delete your account. Anthropic itself doesn't use your messages to train its models — our own storage, described above, is separate from that. Say AI only ever sees your own account's data, never another user's, and nothing is sent unless you choose to open the Ask tab and send a message.
Say lets you create or join a Household with other users to share budgets and spending. Expense and budget data you choose to share becomes visible to other members of your Household. You can leave a Household at any time in Settings to stop sharing your data going forward.
Say lets you track assets, including gold holdings, as part of your net worth. We use GoldAPI to retrieve public market pricing for these assets — no personal information is shared with GoldAPI.
If you participate in our referral program, we track your unique referral code and whether a referred user completed sign-up, in order to grant rewards to both parties.
Say uses third-party AI providers to process voice recordings, SMS messages, and chat conversations in order to extract expense details and power the Say AI assistant. We may use multiple providers, or change providers over time, to maintain service quality and reliability. Voice recordings are not retained after processing.
We work with the following third parties to operate Say: Supabase for infrastructure and data storage, Google, OpenAI, and Anthropic for AI processing, RevenueCat for subscription management, Mixpanel and PostHog for product analytics and error tracking, Sentry for crash reporting, Resend for transactional email, GoldAPI for public market pricing, Expo for push notifications, and IPinfo for approximate country determination from your IP address, used only to apply correct regional pricing and prevent incorrect subscription restrictions. Each of these services has its own privacy policy.
You can delete your account and associated personal data directly within the app. Upon deletion:
We retain user-provided data for as long as you use the Application and for a reasonable time thereafter. Expense data is stored for analytics and personalized features.
We implement industry-standard security measures to protect your information, including encryption and secure data storage practices.
This Privacy Policy may be updated from time to time. We will notify you of any changes by updating this page. Continued use of the Application is deemed approval of all changes.