Privacy Policy

Last updated: Jan 24, 2026

Kakeibo ("we," "our," or "us") is dedicated to protecting your privacy and financial autonomy.

Our Core Principle: We adhere to a "Local First" architecture. Your financial transaction data—expenses, budgets, and categories—is stored locally on your device or in your personal cloud storage. We do not have access to it.

1. Information We Collect

1.1 Information You Provide

Account Information (Authentication):

  • We use third-party authentication providers (Google Sign-In and Sign in with Apple).
  • We receive your identifier (email address/user ID) from these providers to authenticate your account.
  • We do not collect or store passwords, as authentication is handled entirely by these providers.

Payment Information:

  • Payments are processed by our secure service providers (Stripe or RevenueCat).
  • We do not collect or store your credit card or banking information.
  • We receive only transaction identifiers, subscription status, and payment dates.

1.2 Automatically Collected Information

Usage Analytics:

  • We collect minimal, anonymous telemetry data to improve application performance.
  • Data points include feature usage counts (e.g., "Voice Input accessed"), crash reports, and device type.
  • This data is aggregated and cannot be used to reconstruct your financial history.

2. Information We Do Not Collect

To be explicitly clear, we do not store, process, or have access to:

Expense entries & amounts
Merchant names
Voice recordings
Cloud storage credentials

3. Data Storage and Security

3.1 Local Storage

All financial records are stored in an encrypted SQLite database directly on your device. This ensures that you retain full physical control over your data.

3.2 Cloud Synchronization

If you enable Cloud Sync, your data is encrypted using AES-256 standards before leaving your device. It is then uploaded directly to your personal Google Drive account. We do not maintain a copy on our servers.

3.3 Infrastructure Security

Our backend capability is limited to account authentication and subscription management. We utilize industry-standard encryption (TLS) for all data in transit.

4. Your Rights

You retain full ownership of your data.

  • Export: You may export your transaction data in standard formats (CSV, JSON) at any time.
  • Deletion: You may delete your account through the application. This removes your authentication record immediately. Local data must be deleted manually by uninstalling the app.

5. Data Retention

We retain personal information (account email) only for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

  • Active Accounts: Account data is retained indefinitely while your account is active.
  • Deleted Accounts: If you request account deletion, your personal identifiers are removed from our systems within 30 days.
  • Analytics: Anonymous usage data is aggregated and retained for internal analysis purposes, but cannot be linked back to you after deletion.

6. Children's Privacy

Our services are not intended for use by children under the age of 13 (or 16 in the EU). We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such data, we will take immediate steps to delete it.

7. International Rights (GDPR & CCPA)

We conduct business globally and acknowledge the rights granted by international frameworks.

  • GDPR (EU/UK): You have the right to access, rectify, or erase your personal data. Given our architecture, "erasure" of financial data is handled by you (the user) deleting the data from your device.
  • CCPA (California): We do not sell personal information. You have the right to know what personal information is collected and to request its deletion.

8. Changes to this Policy

We may update this policy to reflect changes in our practices or legal requirements. Material changes will be communicated via in-app notification or email. The "Last Updated" date at the top of this policy indicates when the latest revisions became effective.

9. Contact Us

If you have questions regarding this policy or our privacy practices, please contact us at privacy@kakeibo.app.