Terms of Use &
Privacy Policy

1 Account Information

When you use email sign-in, Google Sign-In, or Sign in with Apple, we may collect:

• Email address
• User identification information, such as Firebase Auth ID
• Sign-in provider information, such as Google or Apple
• Display name, profile photo URL, or basic account information returned by the sign-in provider, if you authorize it

This information is used only for:

• User authentication
• Cross-device data synchronization
• Account management
• Displaying account status or a profile image inside the App

2 Financial Records Entered by You

When you use the App, the following information you enter may be stored:

This data may be:

• Stored on your device
• Synced to a cloud database, such as Firebase Firestore

The App does not sell your financial data or provide it to third parties for marketing purposes.

3 AI Feature Data

Version note: The prior-consent and withdrawal controls described below are available starting with version 1.1.14. If you use an older version and do not want data sent to third-party AI, avoid cloud AI and update when the new version is available. Consent for each purpose applies only to the current account and app session and can be withdrawn in Settings. Withdrawal does not delete data already sent.

Cloud transaction parsing and financial insights use Google Gemini, a third-party AI service provided by Google. Data is processed through Firebase Cloud Functions before the content needed for the relevant purpose is sent to Google Gemini. Before transmission, the App explains the recipient, data, and purpose and asks for your explicit consent to that purpose.

Data sent by feature:

• Cloud transaction parsing: Text you enter, paste, or import from another source, including voice transcripts or receipt recognition (OCR) text when used in this flow. Parsing context includes the current ledger name, up to 24 categories, up to 12 applicable local learning hints, income/expense direction, date and time, time zone, language, ledger base currency, and any supplied confirmed total and source information. This parsing path does not send original audio files or receipt images to Gemini.
• Financial insights and follow-up questions: The current report's ledger scope and identifiers, reporting and comparison periods, base currency, calculation mode, generation time, current and previous income/expenses/balance and their changes, and local summary; up to 10 category changes (names, identifiers, amounts, differences, counts, and transaction identifiers); up to 8 recurring income/expense impacts (titles, categories, dates, and amounts); up to 12 supporting transactions selected by amount (identifiers, dates, categories, amounts, income/expense direction, and notes); and any follow-up question you enter. This is not limited to anonymous aggregate totals. Notes and questions may contain personal information.
• Request and quota management: Firebase also processes account/App verification information, membership tier, request identifiers, and feature-specific information such as ledger/category identifiers, source types, or voice normalization metadata to provide the service, verify access, manage quotas, and prevent abuse. Category identifiers in transaction parsing are replaced with prompt codes before being sent to Gemini; financial insights include the identifiers in the report described above.

Your choices: You can agree to or cancel cloud AI data sharing. Without consent for the relevant purpose, the App will not send that cloud AI request. Canceling does not transmit the data for that request or use its cloud AI quota. You can still enter transactions manually, use on-device transaction parsing, or view local statistics and reports; viewing a local report does not generate cloud AI insights. Transaction parsing and financial insights are separate purposes, and consent to one does not replace consent to the other.

We use this data to generate reviewable transaction drafts, report explanations, or answers to follow-up questions, and to manage requests and quotas. Third-party processing remains subject to the provider's applicable terms and privacy policies. This policy does not promise that third parties never retain data or use it for model training. Do not include sensitive information in input text, transaction notes, or questions if you do not want it sent to third-party AI.

AI transaction results are drafts you can review and edit before saving. AI financial insights help explain reports and may be incomplete or incorrect. AI features do not provide investment, tax, legal, or financial advice.

4 Subscription and In-App Purchase Information

When you purchase a subscription or an in-app purchase, payment is handled by Apple App Store / StoreKit. The App does not receive, store, or process your credit card number, card security code, or Apple ID payment credentials.

The App may read purchase status returned by Apple to:

• Unlock subscription or one-time purchase features
• Restore purchases
• Confirm your currently active membership or feature entitlements

5 Technical Data

To maintain service operation, the App may collect:

• Device type
• Operating system version
• App version
• Error logs

This information is used only to:

• Improve service quality
• Fix software errors
• Improve system stability