This policy covers Pocket Finance AI, the iPhone app provided by Groei B.V., and the Pocket Finance pages on groei.dev. It describes the release currently in preparation.
Financial records on your devices
The app stores imported accounts, bank labels, account identifiers, transactions, merchant descriptions, amounts, dates, categories, notes, import receipts, virtual savings goals and their allocation settings, and any family budget information in local storage. It uses these records to calculate summaries, suggest categories, find likely recurring payments, and compare recorded spending. There is no cloud ledger, analytics SDK, advertising SDK, or remote AI provider. Bank connections are not enabled in the current MVP; use statement import instead.
Bank statements you select through Files or Share are processed on your device. The Share extension temporarily stages a protected copy until you import or discard it. A cloud file provider may download your selected file through its own service. The app does not upload that statement to Groei.
Bank connections
Direct bank connections are not enabled in the current MVP. You can import statements on your iPhone without creating an Enable Banking account or giving us your bank login. Statement files and the imported financial records are not uploaded to Groei.
We are testing a future connection feature with synthetic accounts only. Its design keeps connection credentials and account details on the iPhone and processes authorized banking responses only temporarily in server memory, without saving them in our database or application logs. Real-bank access will require a separate release and a reviewed privacy notice. The bank and Enable Banking would have their own processing and retention policies; our no-storage design does not control their records.
Optional family sharing
You can pair nearby iPhones and explicitly share selected accounts. Shared information includes account details, transactions, amounts, merchants, dates, categories, notes, budgets, and synchronization records. It is encrypted using Apple’s system cryptography and sent over a direct local connection while both apps are open. Groei does not receive a copy.
A random installation identifier helps distinguish sync operations. It is stored in the app’s own preferences and appears in the shared operation history. Family keys are stored in the device Keychain. Only invite people you trust: paired phones retain their own copies. Stopping sharing, leaving a family space, or deleting this app cannot erase another person’s copy. There is no remote member-removal or key-rotation control in this version.
Purchases and subscription status
Subscriptions are processed by Apple through the App Store. The app uses StoreKit to obtain product prices and verify signed purchase and entitlement information on the device. Purchase, restore, and subscription-status checks may communicate with Apple. We do not receive your payment card details or bank login. Apple may provide us with App Store sales and financial reports under its own services. See the Apple Privacy Policy.
Permissions and local models
- Local Network: discover and connect to paired family iPhones.
- Camera: scan a family invitation QR code; manual invitation entry is available. The app does not save or upload camera footage.
- Files: read only the documents you select through the system picker.
You can choose Download & install to fetch a model from Hugging Face and its file delivery providers, or import a GGUF file from Files. Downloads are optional and use Wi-Fi by default. The providers receive ordinary connection information, including your IP address and the requested model file; the app sends no financial records, statements, questions, or account details with these requests. No model is bundled. Once installed, the selected model generates answers locally from your question and calculated totals for the selected accounts, months and currency. Questions and answers are held in memory, not saved as chat history or uploaded. Generation stops when the app leaves the foreground. See the Hugging Face privacy policy.
Storage, retention, and deletion
The database, staged statements, and app-managed model files use iOS file protection and are excluded from device backups. The app obscures its main content when inactive. Keep your original statements: we do not operate a recovery service.
In Settings → Privacy & your data, choose Delete all data on this iPhone to remove the local ledger, savings goals, import history, staged files, learned merchant mappings, family space and its key, and app-managed model files. Deletion does not alter your original files or other family members’ copies. The selected reporting currency and an app-scoped installation identifier remain in preferences. Uninstalling removes app-container data, but iOS Keychain items can persist; use in-app deletion before uninstalling to remove the current family key.
Deleting app data or uninstalling does not cancel an Apple subscription. Manage cancellation separately in Apple Account subscription settings.
When you contact us or visit this website
If you email support, we receive your email address and the information you choose to send. We use it to answer your request and resolve issues, relying on performance of our agreement with you or our legitimate interest in responding to enquiries. Please do not send unredacted statements, credentials, or full account identifiers.
These pages use no advertising scripts, analytics scripts, embedded trackers, or remote fonts. Netlify hosts this website and our development connection service. The current MVP does not send bank records to that service. It processes ordinary web request information, such as IP address, requested page, and browser information, to deliver and secure it. We rely on our legitimate interest in operating a reliable support website. Hosting and email providers may process this information outside the EEA under applicable transfer safeguards. Netlify’s service processing is described in its Data Processing Agreement.
Support correspondence is retained only as needed to handle the request, follow up on an issue, or satisfy legal obligations; website technical records follow the hosting provider’s operational retention. Contact us for details or a deletion request. We do not sell personal information or use support requests for advertising.
Your privacy rights
For information we hold, you may request access, correction, deletion, restriction, portability, or object to processing where those rights apply. Financial data held only on your devices must be managed there; we cannot remotely retrieve or erase it. Email a@groei.dev to exercise your rights. You may complain to the Dutch Autoriteit Persoonsgegevens or your local data protection authority.
Changes and contact
We will update this page when the app’s data practices change and show a new effective date. For privacy questions, contact:
Groei B.V.
Wielewaal 56, Nieuwegein, the Netherlands
KVK 99753030 · a@groei.dev