Is my financial data secure with iExpenses?

Yes, 100%. iExpenses is built on a privacy-first philosophy. All your financial data, transaction history, and preferences are stored exclusively on your device using Apple's secure local database (Core Data). Unless you explicitly choose to enable encrypted iCloud synchronization, no data ever leaves your device.

Do I need to sign up or create an account to use the app?

No registration, email, or account creation is required. You can start tracking your expenses the second you open the app. There are no corporate servers tracking your habits or databases that could be breached.

How does the on-device receipt scanning work offline?

We leverage Apple's high-performance native Vision framework for on-device OCR (Optical Character Recognition). When you scan a receipt, the image is parsed entirely in your device's local memory to extract merchant names, tax, items, and totals. The image is never uploaded to any server and is processed fully offline.

Can I sync my expenses across multiple iOS devices?

Absolutely. iExpenses offers optional iCloud sync. When enabled, your data is synchronized across your iPhone, iPad, and Mac devices using Apple's native CloudKit framework. The transmission is fully encrypted end-to-end, and only your personal Apple ID has the keys to read it.

Does the app support different profiles and currencies?

Yes. You can create unlimited distinct profiles (e.g., Personal, Business, Travel, Family) to isolate your transactions and budgets. Each profile can be configured with its own primary currency, custom icons, and independent, region-aware reports.

Legal

Privacy Policy

Effective Date: 19 May 2026

Our Privacy Commitment

iExpenses is designed with privacy as a core principle. Your financial data never leaves your device unless you explicitly enable iCloud sync. All AI and machine learning features run entirely on-device.

1. Information We Collect

We do not collect personal information such as names, emails, or contact data. All financial data, transactions, and preferences you enter remain stored locally on your device, unless you explicitly enable iCloud synchronization or export your data.

2. Local Data Storage & Intelligence

All user data (transactions, categories, settings) is stored securely on your device using Apple's secure frameworks (Core Data).

On-Device Processing — the following features are performed 100% on your device:

Transaction Classification: Automatically suggests categories for your transactions.
Merchant Normalization: Standardizes merchant names for consistent tracking.
Transaction Clustering: Groups similar transactions to identify spending patterns.
Sentiment Analysis: Analyzes transaction notes to provide spending insights.
Smart Insights & Advanced Analytics: Financial health scoring, cash flow projections, and spending trend analysis.

We do not transmit or store your financial data on any servers controlled by us.

3. Camera & Photo Library Access

The App may request access to your device's camera and photo library for receipt scanning. All image processing is performed on-device using Apple's Vision framework. Receipt images are never uploaded or transmitted to any server — they are processed in memory and discarded after parsing. You can manage these permissions at any time in iOS Settings.

4. Home Screen Widgets

The App provides home screen widgets that display aggregated financial data (daily totals, budget progress). Widget data is shared via an iOS App Group container using shared UserDefaults. Only spending summaries are shared — never full transaction details. The widget extension is read-only and makes no network requests.

5. Analytics & Crash Reports

We may use Apple's App Analytics and anonymized usage or crash data to help us improve app performance, identify bugs, and better understand user behavior. No personally identifiable data is collected.

6. In-App Purchases

Premium features are available through in-app purchases, including:

Lifetime Premium (One-time purchase)
Weekly Premium (Optional subscription)
Yearly Premium (Optional subscription)

All purchases are securely processed by Apple via the App Store. We do not have access to or store any of your payment information.

7. Auto-Renewable Subscriptions

Weekly and Yearly Premium are auto-renewable subscriptions that unlock additional features such as unlimited categories, advanced analytics, cloud sync, data export/import, multi-profile support, recurring transactions, and on-device ML features.

Payment: Charged to your Apple ID account at confirmation of purchase.
Renewal: Subscription automatically renews unless canceled at least 24 hours before the end of the current period.
Management: You can manage or cancel your subscription at any time via your App Store account settings.

8. CloudKit & iCloud Sync

When you enable iCloud synchronization, your data is synced across your devices via Apple CloudKit:

Your Data, Your Cloud: Synced data is stored in your personal iCloud account, encrypted by Apple.
Our Access: We do not have access to your iCloud data, Apple ID credentials, or any synced content.
Your Control: You can enable or disable iCloud sync at any time within the App's settings. Disabling sync stops data from being sent to iCloud but does not remove previously synced data from your iCloud account.
Apple's Policies: Data synced through iCloud is subject to Apple's Privacy Policy.

Profile Sharing

When you share a profile with others, shared data (transactions, labels, and profile settings) is stored in Apple CloudKit and made accessible to invited participants:

Sharing via CloudKit: Shared profile data uses Apple's CKShare infrastructure. Invitations are sent through Apple's sharing system (Messages, Mail, etc.).
Permissions: As the profile owner, you control whether participants can view only or also edit. You may revoke access at any time.
Participant Data: Participants access shared data through their own iCloud accounts. We do not see who you share with or their activity.
Data Removal: When sharing is stopped, participants lose access immediately. Shared data remains in the owner's iCloud account.
Data Retention: Shared data is subject to the same retention rules as your local data (see Section 10).

9. Data Import & Export

The App allows you to export and import your financial data:

Export: You can export transactions, categories, and settings as JSON or CSV files via the system share sheet. Once exported, the data is under your full control — we recommend storing exported files securely.
Import: You can import transactions from JSON or CSV files. Imported data is processed and stored locally on your device.
Third-Party Sharing: We do not share your data with any third parties. Any sharing of exported files is done by you directly through the iOS share sheet.

10. Notifications

The App uses local notifications for recurring transaction reminders and budget alerts:

Local Only: All notifications are scheduled and delivered locally on your device. We do not use push notification servers.
No Data Transmission: No notification-related data is transmitted to external servers.
Permissions: You can manage notification permissions at any time in your iOS Settings.

11. Multi-Profile Data

The App supports multiple user profiles on a single device:

Independent Storage: Each profile stores its own transactions, categories, budgets, and settings independently.
iCloud Sync: When enabled, each profile syncs its data separately via CloudKit.
No Cross-Profile Access: Profiles are isolated — data from one profile is not accessible from another.

12. Data Retention & Deletion

Local Data: Your data is retained on your device until you delete it within the App or uninstall the App. Uninstalling the App removes all locally stored data.
iCloud Data: If iCloud sync is enabled, your data remains in your iCloud account even after the App is uninstalled. You can manage this data via iOS Settings > iCloud > Manage Storage.
Our Ability: We have no ability to delete, access, or modify your data remotely, whether stored locally or in iCloud.

13. Data Security

Encryption at Rest: Data stored on your device is protected by iOS Data Protection, which encrypts files using keys derived from your device passcode.
iCloud Encryption: iCloud-synced data benefits from Apple's encryption in transit and at rest.
Recommendations: We strongly recommend using a device passcode and biometric authentication (Face ID/Touch ID) to protect access to your device and financial data.

14. Your Rights

Since we do not collect or store any personal data on our servers, there is no user data to request, delete, or export from us. You have full control over your data directly within the App and your iOS settings.

For international users, we acknowledge your rights under applicable privacy laws:

GDPR (EU/EEA): Right to access, rectify, erase, and port your data — all exercisable directly in-app via export and delete functions.
CCPA (California): Right to know, delete, and opt out of sale — since we do not collect or sell personal data, these rights are inherently respected.
Other Jurisdictions: Similar rights may apply under your local privacy laws. Contact us if you need assistance.

15. Children's Privacy

iExpenses does not knowingly collect any information from anyone, including children under the age of 13. Since we do not collect any data at all, our app is safe for users of all ages.

16. International Users

The App is available in 20 languages (Arabic, Chinese (Simplified), Chinese (Traditional), Dutch, English, Farsi, French, German, Hebrew, Indonesian, Italian, Japanese, Korean, Malay, Portuguese (Brazil), Spanish, Swedish, Thai, Turkish, and Vietnamese) and supports multiple currencies. All user interface text, widgets, and system permission prompts (such as camera and photo library access) are displayed in the user's preferred language. Translation data is bundled with the app — no language preferences or translation data are transmitted externally.

Regardless of your location or language, all data processing and storage occurs locally on your device. If iCloud sync is enabled, your data may be stored in Apple's data centers based on your iCloud account region, subject to Apple's Privacy Policy.

17. Canadian Privacy Compliance

As a developer based in British Columbia, Canada, we strive to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the British Columbia Personal Information Protection Act (PIPA). Since we do not collect, use, or disclose personal information, our practices are inherently aligned with the privacy-by-design principles of these acts.

18. Governing Law

This Privacy Policy shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein.

19. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted within the app and on this page. Continued use of the app constitutes acceptance of any changes.

20. Helpful Links

21. Contact Us

If you have questions about this privacy policy or our data practices, please contact us at:

support@iappclub.com