What this policy covers
This policy applies to the Family Budget Calculator iOS app, website, and related support and account services. The app is intended for adults in the United States.
Information we process
- Account and household information: sign-in details, household membership, roles, preferences, and support messages.
- Financial information you choose to add: manual entries, budgets, goals, calculator inputs, and account or transaction data from a bank connection.
- Purchase information: subscription status and receipt identifiers supplied by Apple and RevenueCat. We do not receive your full payment-card number.
- Scanned documents you choose to retain: receipt or financial-document images remain on the device by default and are deleted after review unless you choose otherwise. A separate private-backup choice sends bounded scan pages to encrypted private cloud storage linked to your account.
- Service and security information: device tokens, authentication records, coarse diagnostics, and security events. Operational telemetry is designed to exclude balances, merchant names, receipt contents, AI prompts, and AI answers.
Receipt and document originals
Cloud retention is optional for each scan and is separate from keeping a copy on your device. Other household members and support staff cannot browse your originals. The app uses time-limited private links when access is needed. You can delete one original or stop future uploads in Privacy & device settings; stopping future uploads does not silently delete originals you previously chose to retain.
Bank connections
Bank linking is optional and is provided through Plaid. We receive the account and transaction data you authorize; we do not receive your bank password. You may disconnect a bank in the app. Plaid also processes information under its own privacy policy.
Optional AI features
The Money Guide is optional and requires consent. When used, the app may send your question and a limited set of relevant, verified calculator outputs to an AI provider to produce educational text. Deterministic calculators—not AI—produce the displayed math. Do not include information you do not want processed for that request.
AI document scanning is an optional Plus feature. After a separate choice for each request, the selected receipt, bill, or statement pages—including any visible personal or financial information—are sent through our server to OpenAI to suggest form values. We do not save those uploaded pages or unreviewed AI suggestions on our server or in Money Guide chat history. OpenAI may retain API data for abuse monitoring under its data policies. We keep only consent and usage records without the document contents. Review the suggestions before saving; AI can make mistakes. This choice does not enable cloud backup of your original documents.
How we use and share information
We use information to provide calculations and household features, sync authorized data, manage subscriptions, prevent abuse, respond to support, and meet legal obligations. We share the minimum needed with service providers that operate the app, including hosting, authentication, bank connectivity, subscriptions, notifications, and optional AI. We may also disclose information when legally required or as part of a business transfer subject to appropriate safeguards.
Retention and security
We retain information while your account is active and as needed for service, security, dispute, and legal purposes. Deletion requests remove or de-identify eligible account data after required safety and legal holds. We use encryption in transit, access controls, scoped household permissions, and encrypted on-device storage. No system is completely secure.
Your choices
You can use manual mode without linking a bank, decline optional AI, disconnect providers, delete retained document originals, export eligible account data, and request account deletion in the app. Visit Your privacy choices for details. Deleting an account does not cancel an Apple subscription; manage billing in your Apple Account settings.
Contact and changes
Questions or privacy requests can be sent to support@familycalculator.app. We may update this policy as the service changes. Material updates will be identified by a new effective date and, when appropriate, an in-app notice.