Data or actionWhereNote
The statement PDF you addOn your deviceNever uploaded for analysis.
Transactions, merchants, amountsOn your deviceKept in the app's local database.
Categories and savings suggestionOn your deviceThe model runs on your phone's processor.
Downloading the AI modelNeeds internetOnce; about 1.1–5 GB depending on the model.
Sign-in (Apple / Google)Reaches the serverOptional; guest mode needs no sign-in.
Cloud backupReaches the serverOptional. Merchant names, descriptions, notes and card details encrypted with AES-256; amounts and dates are not. Not end-to-end.
Shared accountReaches the serverOptional. The person you share with sees your data from your cloud backup.
Email forwardingReaches the serverOptional. Forwarded PDFs are deleted within 24 hours.
Bank username and passwordNever askedThe app never connects to your bank account.