Privacy Policy

Budgely is made by AppKind. This policy explains what the app processes, where it is stored, who else is involved and what you can do about it.

In short

• No account, no ads, no analytics and no server of ours.
• Your budget lives only on your iPhone. A shared budget is stored in your own iCloud and seen by the people you invite.
• Budgely does not connect to banks and never asks for bank logins or tokens.
• We do not sell your personal data.

Who we are

The developer and data controller for Budgely is FOP Danyil Ihnatenko (ФОП Ігнатенко Даниїл Ігорович), Ukraine (D-U-N-S 66-768-9100), trading as AppKind. Contact: support@appkind.app.

What we process and where it is stored

• Your finances: entries, amounts, shops, notes, categories, accounts, goals, subscriptions, budgets and settings. Stored only on your iPhone (in the app and in a container shared with its widgets); the main ledger is not synced to iCloud.
• Receipt photos, camera frames, imported bank statements and text you pass to “Add from message” are processed on the device to fill in entries. They are not uploaded.
• Exchange rates: when you use more than one currency, the app downloads rates. These requests contain only currency codes and dates (plus the IP address that any internet request carries).
• Purchase status: whether Pro is active (see Apple and RevenueCat below).

On-device smart features

The budget assistant, receipt scanner, statement import and “Add from message” run on the device with Apple’s on-device model (Foundation Models) and Vision. Apple’s Private Cloud Compute is not used. Your finances are not sent to any AI service.

Permissions

The app asks for a permission only when a feature needs it. You can say no and change your mind later in system settings; the rest of the app keeps working.

• Camera (optional): to scan receipts. Frames are processed on the device.
• Photos and files: only the photo or statement you pick yourself.
• Notifications (optional): trial, subscription and budget reminders, scheduled on the device.
• Live Activities, Siri and Shortcuts (optional): to show your budget on the Lock Screen and add entries by voice or automation. They run on the device.

Third-party services

These providers process data for the purposes below under their own privacy policies:

• Apple: App Store (StoreKit) payments, trial eligibility and offers; we never see your payment details or Apple Account. iCloud (CloudKit) stores a shared budget in the owner’s iCloud and shares it with invited people. Privacy policy: apple.com/legal/privacy
• RevenueCat: Checks whether Pro is active. Receives an anonymous app user ID, your App Store receipts and transactions, device model, iOS and app version, storefront country and IP address. It never receives your financial entries. Privacy policy: revenuecat.com/privacy
• Frankfurter: Exchange rates published by the European Central Bank (api.frankfurter.app). Receives only currency codes and dates, plus your IP address. Privacy policy: frankfurter.dev
• National Bank of Ukraine: Official hryvnia exchange rates (bank.gov.ua). Receives only currency codes and dates, plus your IP address. Privacy policy: bank.gov.ua

Shared budgets

If you share a budget, it is stored in the owner’s iCloud through Apple CloudKit and shared with the people you invite. Everyone in it sees the budget name, currency and monthly limit, and every entry in it: amount, currency, type, category, note, date and the display name of the person who added it. Entries in your personal ledger are never shared.

The owner can delete a shared budget for everyone; a participant can leave it at any time. Only invite people you trust. We cannot see shared budgets.

Bank data

Budgely has no bank connections. Purchases can be added automatically in three ways that work with any bank, all set up by you and processed on your iPhone: an Apple Pay payment with a card in Wallet (a Shortcuts “Transaction” automation), a bank SMS (a Shortcuts “Message” automation) and a statement file (CSV or PDF) you import. Nothing from these is sent to us or to any bank.

Some payments are not seen automatically: online payments where the card number is typed in are not reported by Wallet, and iOS does not let any app read notifications from your bank’s app. Add those from a statement file or by hand.

Why we process it

• To provide the app and the features you use, including Pro (performance of our contract with you).
• To download exchange rates and to validate purchases (our legitimate interests). These requests carry no personal finance data.
• Optional permissions and connections are used only after you turn them on (your consent, which you can withdraw at any time).
• To meet legal obligations, such as tax rules for purchases, which the stores handle.

What we never do

• We do not sell your personal data.
• We do not show ads and do not track you across other companies’ apps and websites.
• We do not use analytics or crash-reporting SDKs.

International transfers and security

The providers above may process data outside your country, including in the United States. We rely on the safeguards they offer, such as the European Commission’s Standard Contractual Clauses. Data that leaves your device is encrypted in transit (HTTPS).

How long we keep data

Your data is kept until you delete it or the app. It is included in your own iPhone or iCloud device backup, managed by Apple. We keep no copies.

Deleting your data

• Settings → Delete all data → Delete everything removes all entries, caches, settings and scheduled reminders. A shared budget you own is deleted from iCloud; if you are a participant, you leave it. Your Pro purchase is kept.
• Deleting the app removes its data from the iPhone. Cancel a subscription in your Apple Account settings; deleting data or the app does not cancel it.

Your rights

If you are in the EEA or the UK (GDPR / UK GDPR), you have the right to access, correct, delete, restrict or object to the processing of your personal data, to data portability, and to withdraw consent at any time. You can also complain to your local data protection authority (in Ukraine: the Ukrainian Parliament Commissioner for Human Rights).

If you live in California or another US state with a privacy law (CCPA/CPRA and similar), you have the right to know, access, correct and delete your personal information, and not to be discriminated against for using these rights. We do not sell or share personal information for cross-context behavioural advertising.

Most of your data never reaches us: it stays on your device or in your own cloud, where you control it directly with the tools above. For data held by our providers (for example purchase records at RevenueCat), write to support@appkind.app and we will help.

Children

Budgely is a personal finance app. It is not directed at children under 13, and we do not knowingly collect their information.

Changes to this policy

If we change this policy, we will post the new version on this page with a new date, and tell you in the app if the change is significant.

Contact

Questions, requests or complaints about Budgely: support@appkind.app. We usually reply within a few days and always within one month.