Privacy Policy — FinTraicker

最后更新: 2026-07-03

1. Data Stays on Your Device

FinTraicker stores everything you enter — transactions, accounts, budgets, goals, and wishlist items — in a local database on your device, protected at rest by iOS Data Protection. We operate no servers, require no account, and never receive, see, or sell your financial data.

2. On-Device AI

The advisor runs on your device using Apple's Foundation Models. Your questions and financial figures are processed locally and are not sent to us or to third-party AI providers.

3. Receipt Scanning

Camera and photo-library access is used solely to read receipts with on-device text recognition. Images are processed locally and never uploaded.

4. Family Plans and iCloud

If you create or join a family savings plan, that plan and its contributions are stored in iCloud (Apple's CloudKit) under the plan owner's account and shared only with the people they invite. This is the one optional cloud feature; your other financial data never leaves the device. Apple's iCloud terms apply.

5. Purchases

FinTraicker Pro subscriptions are processed entirely by Apple. We receive no payment details. Your purchase history is used only to unlock Pro features on your device.

6. Siri and Shortcuts

If you log expenses with Siri, Apple processes your speech under Apple's privacy terms; the resulting transaction is stored only on your device.

7. No Tracking, No Analytics, No Ads

FinTraicker contains no advertising, no third-party analytics, and no trackers. We collect nothing.

8. Deleting Your Data

Your data belongs to you. Deleting the app deletes the local database. Family plans you own can be deleted in the app and are removed from iCloud for all participants; you can also leave a shared plan at any time.

9. Children

FinTraicker is rated 4+ and collects no data from anyone, including children.

10. Changes and Contact

If this policy changes, the updated version ships with the app update and is posted online. Questions: https://fin.traicker.ai/support

本条款仅作翻译,以方便阅读。英文版本为具有约束力的正式文本;如出现任何不一致,以英文文本为准.