Privacy Policy

Fundeer (“we”, “our”, “the App”) is a personal finance tracking application. This policy explains what data we collect, how we use it, and your rights regarding that data.

Account Information

When you create an account, we collect your email address and name, or your Google Sign-In identity. This is required for cloud sync, bank connections, trip sharing, family features, and push notifications. Your name is shown to the people you share a trip or family group with. When you invite someone, we receive the email address you enter for them.

We never store your password in a readable form. Nobody at Fundeer can read or recover it.

Financial Data

Your transactions, budgets, categories, and goals, together with the notes and names you give them, are stored on your device and synced to our servers if you have an account. If you connect a bank (currently Monobank), we receive your account balances, account numbers (IBAN) and transaction history, including the name and account number of the other side of a transfer. Account numbers are stored encrypted.

Device & Usage Data

We collect device information (model, OS version), app version, an identifier the app creates for your device, crash reports, performance measurements and usage analytics (which screens and features you use). Analytics and crash reports are linked to your account when you are signed in, and include an approximate location worked out from your internet address. They are processed by Firebase (Google). You can turn off usage analytics and crash reports in the app's settings.

Optional Data

• Location, if you allow it: sent with a receipt scan to work out the time zone, and not stored
• Camera access (only for receipt scanning)
• Microphone access (only for voice input)

Text is first read off the receipt on your device. When you are online, the photo and that text are sent to our servers, and on to an AI provider, to turn them into a transaction — see Third-Party Services below. Without a connection, the receipt is read on your device only.

We do not keep the photo after reading it unless you turn on image backup. It is set to “Never” when you install the app, and you can change it to “Ask each time” or “Always” in receipt privacy settings. Backed-up images are stored on our servers in the EU. We keep the text read from each receipt, and you can delete stored receipts and images individually or all at once at any time.

Speech is transcribed by Apple's speech recognition. Where your device and language support it, this happens entirely on-device; otherwise iOS sends the audio to Apple to transcribe. We never receive or store the recording — only the resulting text, which is parsed the same way receipt text is.

• Provide core app functionality (expense tracking, budgets, analytics)
• Sync your data across devices (if enabled)
• Process voice and receipt inputs to create transactions
• Enable trip and family expense sharing
• Send push notifications about transactions and sync status
• Improve app stability and fix bugs (via crash reports)
• Understand feature usage to improve the app (usage analytics, which you can turn off)

We integrate with the following third-party services to provide app functionality:

• Firebase (Google) - Crash reporting, performance measurements, usage analytics, push notifications
• Google Sign-In - Signing in with your Google account, if you choose to
• Monobank - Bank account connection (Ukraine)
• Groq, Cerebras and Google (Gemini, Cloud Vision) - Turning a receipt, what you said, or a transaction description into a transaction or category. They receive the receipt photo and text, or the text you said or typed, never your account, balances or transaction history. Requests are not used to train their models.
• Apple - Speech transcription when your device cannot do it on-device, and push notification delivery

Everything else — cloud sync, your transaction history, budgets, trips, family groups and any receipt images you chose to back up — is stored on our own servers in the EU, and is not sent to any of the services above.

We do not sell your data to third parties. We do not share your financial data with advertisers or data brokers.

When you connect your bank account, you approve the connection with your bank directly. We never see or store your bank login credentials. We only receive read-only access to your account information and transaction history, which you can revoke at any time.

• All data encrypted in transit
• Passwords never stored in readable form
• Bank account numbers stored encrypted
• Sign-in details kept in your phone's secure storage
• Optional app lock with Face ID, Touch ID, or your phone's fingerprint or face recognition
• Receipt images kept on your device unless you turn on backup
• Bank credentials never stored on our servers

Your data is retained while your account is active. Receipt metadata is kept for 365 days by default (configurable). You can delete all receipt data or your entire account at any time. Account deletion is scheduled with a 7-day grace period during which you can cancel.

You have the right to:

• Export - Download all your data (transactions, accounts, profile)
• Delete - Remove your account and all associated data
• Disconnect - Remove bank connections at any time
• Opt-out - Turn off usage analytics and crash reports in app settings

Fundeer is intended for users aged 13 and older. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us immediately.

If you use Fundeer from outside the country where our servers are located, your data may be transferred to and processed in a different jurisdiction (our servers are located in the EU). By using the App, you consent to this transfer. We take reasonable measures to protect your data regardless of where it is processed.

We may update this policy periodically. We will notify you of significant changes through the app or by email. Continued use after changes constitutes acceptance of the updated policy.

Questions about privacy? Email us at fundeerapp@gmail.com