Privacy Policy

Overview

Finsumo is a personal expense-tracking app for iPhone and iPad. It is an independent project made and operated by an individual developer, not a company. Finsumo has no user accounts, no analytics, no advertising, and no tracking technology of any kind. Your transactions, categories, and settings are stored on your device, and the developer has no server and no way to see any of it. When your device is signed in to iCloud, they also sync through your own private iCloud — iCloud sync is always on, and the developer cannot access that database.

What Finsumo collects

Nothing that identifies you. Finsumo does not collect, store, or transmit your name, email address, transaction history, spending categories, account balances, or any analytics, usage statistics, crash reports, or advertising identifiers. There is no sign-up and no login, so there is no account data to collect in the first place.

Local storage

All of your data — transactions, categories, tags, accounts, and settings — is stored locally on your device in the app's private on-device database, and is synced through your own private iCloud when your device is signed in to iCloud (see "iCloud sync" below). Finsumo operates no server and no remote database, and has no means of accessing this data. Uninstalling the app removes this data from that device, subject to Apple's normal app-removal behavior; the copy in your private iCloud stays until you delete it in your device's iCloud settings, and a backup you made yourself (see below) may still contain a copy.

Network requests — third-party services

Finsumo uses third-party services to provide and improve your experience — for example, exchange rates for currencies and cryptocurrencies (so an amount you enter in one currency can be shown, totalled, and recorded in another) and an approximate region derived from your network connection. These requests carry no user data — no account, no transaction content, nothing beyond what any plain HTTPS request inherently exposes. Like any network request, they reveal your device's IP address to the service that receives them; how each service handles it is governed by its own privacy policy, not by Finsumo. Providers are described here by what they do rather than by name, so that adding or changing one is a deployment change and not a rewrite of this page. If a request fails or you are offline, the app falls back to the last known cached rate and keeps working.

iCloud sync

iCloud sync is always on and is free. Finsumo keeps your transactions, categories, tags, accounts, budgets, and weekly and monthly spending limits in step across your devices that are signed in to the same iCloud account. This uses Apple's CloudKit and stores the data in your own private iCloud database — a database that belongs to your iCloud account and that only you can access. It is governed by Apple's terms and privacy policy, not by us. The developer has no access to this data, and there is no Finsumo server and no Finsumo account involved. Without an iCloud account, Finsumo keeps working on the device only.

Exchange rates are not synced; each device keeps its own rate cache. Because sync is always on, deleting data applies on every device that syncs. Restoring a backup does too, which is why Finsumo saves a safety backup before a restore. Settings shows a status line, including any sync problem (for example, when your iCloud storage is full) and when it last synced. Sync is not a backup. The data stored in your iCloud stays under your control there, and you can manage or delete it in your iCloud settings. To delete your data, remove transactions and categories in the app, delete the app to remove the on-device copy, and remove the iCloud copy in iOS Settings → Apple Account → iCloud → Manage Storage → Finsumo.

Backups

Finsumo writes an automatic, once-a-day snapshot of your data (a compressed file containing JSON) in the background, with no prompt, and keeps the last 7 days of these snapshots. You can also export a snapshot on demand at any time from Settings, and later restore from one. Both kinds of backup are written to the same destination: your device's local storage by default, or a folder of your own choosing if you have pointed backups at one. If the folder you pick belongs to iCloud Drive or another storage provider, that provider's own terms and privacy policy govern the copy kept there. In every case, the app never uploads a backup anywhere on its own — a backup ends up on your device or in the location you chose, never on a server the developer operates. Once a file you exported yourself leaves the app (shared, emailed, moved), its handling and security are entirely your responsibility.

Optional import from a third-party app

Finsumo can optionally import data from a backup file produced by another expense-tracking app. This import is processed entirely on your device — the file is read locally, its contents are converted into Finsumo's own data, and nothing about the import is sent anywhere.

Not financial, tax, or investment advice

Finsumo is a personal record-keeping tool. Exchange rates it displays or uses to calculate historical values come from third-party services for informational purposes only, may be delayed, approximate, or occasionally inaccurate, and frozen historical values recorded at the time of a transaction are approximations, not authoritative financial or tax records. Nothing in Finsumo constitutes financial, investment, legal, or tax advice.

Subscription

Finsumo is free to use as a single-currency expense tracker — no subscription is required to record transactions, use categories and tags, view your history, back up your data, or import a Money Manager backup. An optional, auto-renewable subscription ("Pro") unlocks these features: recording a transaction in a currency other than your active one, the Bitcoin/sats and stablecoin display lens, setting a budget limit in another currency, refreshing historical exchange rates, exporting your history as CSV, and the end-of-period spending forecast. It is purchased through Apple's App Store, after any free trial shown at purchase. All billing, payment collection, and subscription management is handled entirely by Apple under Apple's own Privacy Policy — the developer never receives or has access to your payment details. Manage or cancel the subscription any time in your Apple ID account settings.

This website

This site is static HTML with no cookies, no analytics, and no tracking scripts of any kind. The one page that sends anything anywhere is the feedback form, and it sends what you type into it — your message, an email address if you chose to leave one, and which app the message is about. That submission is handled by the site's hosting provider, which forwards it through a third-party messaging service to a private chat the developer reads; the message, the optional email address, and the app name all sit with that third party. Messages stay in that chat until deleted by hand — nothing removes them automatically. None of it is used for anything other than replying to you.

Like any hosted site, the provider's infrastructure may log standard web-server data (such as IP addresses) as part of normal operation, independently of Finsumo and of anything you do in the app. Providers are described here by what they are rather than by name, so that changing one is a deployment change and not a rewrite of this page.

Requesting deletion, or withdrawing consent

There is nothing collected here to delete or to withdraw consent for — Finsumo doesn't hold anything about you on any server. Your synced data sits in your own private iCloud, which you manage through your Apple account and Apple's own controls. If that ever changes, or if you have a question about it, the feedback form is the one route to reach the developer, and any such request is handled there.

Who is responsible

Finsumo is made and operated by an independent individual developer, not a company. The feedback form is the way to reach them.

Children

Finsumo collects no personal data from any user, of any age — there is no sign-up, no login, and no data sent anywhere except the anonymous third-party service requests described above, which carry no user-identifying information, and your own private iCloud for iCloud sync. Because nothing is collected from anyone, there is nothing collected from a child either, and no parental-consent mechanism is needed, since there is no data gathered to consent to.

Changes to this policy

If this policy changes, the update is posted here with a new "Last updated" date above.

Contact

Questions about this policy: the feedback form.