Privacy Policy

The short version

Simply Finance is a local-first app. Your financial data is stored on your device and never sent to our servers in readable form. We don’t track you, sell your data, or show ads. Optional cloud AI sends only the question and selected context directly to the provider you choose. Website feedback is separate from the app and is never connected to your finance data.

Data storage

All your financial data — accounts, transactions, budgets, categories, goals, AI conversations, and settings — is stored locally on your device using SQLite. Data leaves your device only when you choose encrypted sync or explicitly enable a cloud AI provider.

• We have no access to your financial data
• We cannot read, view, or analyze your transactions
• Your data is never uploaded in readable form to our servers
• If you use sync, data is end-to-end encrypted — only your devices can decrypt it

Data the mobile app does not collect

The Simply Finance mobile app does not collect:

• Personal information (name, email, phone number)
• Financial data (account balances, transactions, budgets)
• Usage analytics or behavioral tracking
• Automatic crash logs or diagnostic uploads
• Device identifiers for advertising
• Location data

No account required

Simply Finance does not require you to create an account or sign in. There is no app registration, app email collection, or user profile. You can start using the app immediately. An optional contact email submitted with website feedback never unlocks or identifies anything inside the app.

Website feedback

If you use the website feedback form, we collect the subject, type, platform, feedback text, and any optional contact email you submit. Nothing you send is published. Each submission is stored in our private feedback database and emailed to the team so it can be read and answered. Submissions are rate-limited using the request IP address to reduce abuse, but raw IP addresses are not stored in the feedback database. Cloudflare processes the technical request data needed to deliver, email, and protect the form. Never submit a recovery phrase, PIN, API key, unredacted finance data, or an unencrypted backup. Contact us to request deletion of feedback you submitted.

Third-party services

The mobile app is distributed through the Apple App Store and Google Play. These platforms may collect their own data as described in their privacy policies. Simply Finance does not integrate third-party analytics, advertising, or tracking services into the mobile app. The first-party feedback form runs on Cloudflare Workers, stores submissions in Cloudflare D1, and emails them to the team through Cloudflare Email, all under Cloudflare’s data processing terms.

Ask AI

Ask AI uses an on-device model when one is available, so your question and financial context stay on your device. Cloud AI is optional and off by default. If you enable it, Simply Finance sends your question and selected financial context directly to the provider you choose — OpenAI, Anthropic, Gemini, or a compatible service — using an API key stored locally in secure device storage. The key and readable prompt do not pass through Simply Finance servers. On-device AI availability varies by platform and app version.

Your chosen provider processes that request under its own privacy policy. You can enable description redaction before sending cloud requests, disable cloud AI at any time, and delete AI conversations from the app.

Data export and deletion

You can export your data at any time using the in-app export feature. Complete backup and CSV exports are portable, unencrypted files that can contain sensitive financial data. Store them securely, do not send them over insecure channels, and delete them when you no longer need them. Erase Data or uninstalling removes the local copy from that device. If you enabled sync, end-to-end encrypted copies may remain on configured relays and in their operational backups; the relay operator cannot decrypt them. For a hosted-relay privacy or deletion request, or to delete a website feedback submission, contact us using the address below. Never send your recovery phrase.

If you separately choose SimplySync Cloud managed hosting, its privacy notice governs the service, operational metadata, and Creem billing data. SimplySync Cloud does not replace this policy for the mobile app.

Encryption

If you choose to sync your data across devices, the sync is powered by SimplySync, our own end-to-end encrypted sync engine. Your data is encrypted on your device before it’s transmitted, and only your devices hold the keys to decrypt it. The sync relay only receives encrypted content plus the routing metadata needed to deliver it, so it cannot read your finance records. You can use the built-in relay, explore SimplySync Cloud, or run your own sync relay.

Children’s privacy

Simply Finance is not directed to children under 13. We do not knowingly collect their personal information through the optional feedback form. Optional cloud AI providers process requests under their own terms and age requirements.

Changes to this policy

If we update this privacy policy, we will post the revised version on this page with an updated date.

Contact

Simply Finance is provided by Jerico Pulvera. For privacy questions or requests, email support@simplyfinance.app. Never include your recovery phrase, PIN, API key, or unredacted finance data.