Do I need an account?

No. Spent. has no sign-up and no login. You open it and start.

Where is my data stored?

Only on your device. Nothing is sent to a server, because there isn't one.

What does the On-Device AI purchase do?

It unlocks reading — point it at a receipt or jot a quick note, and it turns that into an expense entry, all on your phone. You confirm every entry before it's saved.

Does it work offline?

Yes, fully. Spent. doesn't need a connection for anything, including the AI reading.

How do I back up my data?

Export a backup file from settings and keep it wherever you like. To move to a new phone, restore from that file.

I bought On-Device AI before — how do I get it back?

It's a one-time purchase tied to your Apple ID. Use Restore Purchases and it returns at no extra cost.