1. Who We Are

CashTracker ("we", "us", "our") is a family budget tracking application developed by an individual developer. You can reach us at alex@pulsedo.app.

2. Information We Collect

We collect only the data necessary to provide the app's features:

Account Information

• Name and email address provided via Sign in with Apple (we receive a private relay email unless you choose to share your real email)
• Family member names that you add manually

Financial Data

• Expenses you record: amount, category, date, description, and the family member who added them
• Income entries you create
• Budget plans and limits you set
• Shopping list and task list items

Photos & Images

• Receipt photos you voluntarily capture for AI-powered scanning. Photos are processed to extract expense data and are not stored permanently on our servers.

Technical Data

• App usage analytics (screen views, feature usage) — anonymized and used only to improve the app
• Crash reports to help us fix bugs
• Device type and iOS version (no device identifiers are stored)

3. How We Use Your Information

• Core functionality: sync your budget data across devices and family members in real time
• AI features (with your explicit consent): automatically categorize expenses by sending transaction descriptions and amounts to Anthropic Claude AI; scan receipts by sending receipt photos to Anthropic; generate personalized spending insights by sending anonymized monthly financial summaries to Anthropic; suggest shopping list categories by sending item names to Anthropic. AI features are only activated after you grant explicit in-app permission.
• Home Screen Widgets: display your budget summary on your device's Home Screen
• App improvements: analyze anonymized usage patterns to prioritize new features
• Support: respond to your messages and troubleshoot issues

We do not sell your personal information to third parties. We do not use your financial data for advertising.

4. Third-Party Services

CashTracker uses the following third-party services to operate. Each has its own privacy policy:

• Google Firebase / Firestore — real-time database sync (Firebase Privacy)
• Supabase — user authentication and database storage (Supabase Privacy)
• Apple Sign In — secure authentication without passwords (Apple Privacy)
• Anthropic Claude AI — powers the app's AI features (Anthropic Privacy Policy). See Section 5 below for full details.

5. AI Features & Third-Party Data Sharing

CashTracker uses Claude AI, provided by Anthropic, Inc. (api.anthropic.com, United States) to power several smart features. Your data is only sent to Anthropic after you grant explicit in-app permission. You can withdraw or change this permission at any time in Profile → AI & Data.

What data is sent to Anthropic

How Anthropic handles this data

• Data is transmitted securely over HTTPS to api.anthropic.com
• Anthropic does not retain the data after the API request completes
• Your data is not used to train Anthropic's AI models
• Anthropic provides the same or equivalent level of privacy protection as described in this policy — see the Anthropic Privacy Policy

Your consent & control

• You are shown a clear consent screen before any data is sent to Anthropic for the first time
• Declining consent means AI features are disabled — no data is sent
• You can enable or disable AI features at any time in Profile → AI & Data

6. Data Storage & Security

Your data is stored on secure cloud infrastructure (Firebase and Supabase) with encryption in transit (TLS) and at rest. We apply the principle of least privilege — the app only requests permissions it actually needs (camera for receipts, notification permission for reminders).

Financial data is scoped to your family group. Only family members you invite can see your shared budget data.

7. Data Retention & Account Deletion

Your data is retained as long as your account is active.

Deleting your account: You can delete your account and all associated data directly inside the app — go to Profile → Delete Account. Deletion is immediate and permanent. Alternatively, you can contact us at alex@pulsedo.app and we will process the request within 30 days.

When your account is deleted, all financial records, family data, and profile information are permanently removed from our servers. Data previously sent to Anthropic is not retained by Anthropic after each request, so no deletion action is needed on their end.

8. Children's Privacy

CashTracker is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

9. Your Rights

Depending on your location, you may have rights to:

• Access — request a copy of the personal data we hold about you
• Correction — correct inaccurate data (you can edit most data directly in the app)
• Deletion — request removal of your account and all data
• Portability — request an export of your financial data in a common format
• Objection — object to certain types of processing

To exercise any of these rights, contact us at alex@pulsedo.app.

10. Cookies & Tracking

The CashTracker iOS app does not use web cookies. We do not track you across third-party apps or websites. On-device analytics use Apple's privacy-preserving frameworks and do not include personally identifiable information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. If the changes are significant, we will notify you within the app. Continued use of CashTracker after changes constitutes acceptance of the updated policy.