Privacy Policy

1 Information We Collect

Information You Provide

• Account details: name, email address, and password when you register
• Financial data: income, expenses, transactions, budgets, goals, and debt records you enter
• Categories, tags, and payees you create to organise your transactions
• Recurring rules, reminders, and bill schedules you configure
• Profile preferences, home currency, timezone, and app settings
• Receipt photos you choose to attach to transactions

Information Collected Automatically

• Device information: device type, operating system version, unique device identifiers
• App usage data: features used, screens visited, session duration
• Crash reports and error logs to help us improve the app
• Push notification tokens (only to deliver reminders you request)
• Exchange rate data fetched from public APIs for multi-currency conversion

Inka AI Conversation Data

• Questions you ask Inka AI and Inka's responses (session-only — deleted when you close the screen)
• Aggregated financial summaries sent to Anthropic's API to generate responses (see Section 4A)
• A monthly count of Inka AI questions used (for usage limit enforcement only)

What We Do NOT Collect

• We do not connect to your bank accounts or financial institutions
• We do not collect payment card numbers or banking credentials
• We do not access your contacts, microphone, or GPS location
• We do not send raw transactions, account numbers, or personal identifiers to AI services
• We do not collect camera data except receipt photos you explicitly choose to attach

2 How We Use Your Information

We use the information we collect only to:

• Provide, operate, and maintain the Inkapify app and all its features
• Sync your financial data securely across your devices
• Send push notifications for reminders and alerts you have configured
• Enforce Inka AI monthly usage limits per your subscription tier
• Process and verify your subscription status via RevenueCat
• Respond to your support requests and resolve technical issues
• Improve app performance, stability, and user experience
• Comply with legal obligations

• We do not sell your personal information to third parties
• We do not use your financial data for advertising purposes
• We do not share your data with any advertising networks

3 Data Storage & Security

Your data is stored securely using Supabase, a trusted cloud infrastructure provider. All data is encrypted in transit using TLS/SSL and encrypted at rest using AES-256.

Our security measures include:

• Row-level security policies — you can only ever access your own data
• Encrypted database connections for all server communications
• Secure authentication with hashed passwords (never stored in plain text)
• Optional App Lock using device PIN, fingerprint, or Face ID
• JWT tokens stored in device secure storage (not accessible to other apps)
• Regular security monitoring, audits, and updates

While we implement strong security measures, no method of electronic storage or transmission is 100% secure. We are committed to protecting your data to the best of our ability.

4 Data Sharing & Third Parties

We do not sell, trade, or rent your personal information. We share limited data only with the following trusted service providers necessary to run the app:

Supabase

Database hosting, authentication, and file storage. Your financial data is stored on their servers under strict security controls and row-level security policies.

Anthropic

AI processing for the Inka AI assistant feature. Only aggregated, anonymised financial summaries are shared — never raw data or personal identifiers. See Section 4A for full details.

RevenueCat

Subscription management and in-app purchase processing for Inkapify Pro. Only your anonymous user ID and subscription status are shared. RevenueCat never receives your financial data.

Expo / EAS

App build infrastructure and over-the-air update delivery. No personal financial data is shared with Expo.

Google Play

App distribution and payment processing for subscriptions and donations. Google Play handles billing in accordance with their own privacy policy.

Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities such as a court order.

Business Transfers

If Inkapify is involved in a merger, acquisition, or asset sale, your information may be transferred. We will provide notice before your data is transferred and subject to a different privacy policy.

4A Inka AI — How Your Data Is Used

Inkapify includes an AI-powered assistant called Inka, powered by Anthropic's Claude API. This section explains exactly what data is shared with Anthropic when you use Inka AI.

What We Send to Anthropic

When you ask Inka a question, we send only aggregated, anonymised financial summaries — never your raw data or personal identifiers. Specifically:

• Total income and expenses for the current month (single numbers only)
• Top spending category names and total amounts — any personal names, email addresses, phone numbers, or account numbers embedded in category labels are automatically masked before being sent (e.g. "Payment to John Smith" becomes "Payment to [name]")
• Budget utilization — percentage used and remaining amount (no budget names)
• Recurring bill names and upcoming schedule — due dates, amounts, and frequency (personal names, emails, phone numbers, and account numbers in bill names are automatically masked)
• Investment portfolio total value only (no institution names)
• Total loan and fixed deposit values (no account numbers)
• Goal and debt summary counts (no goal names or person names)
• Your question and the last 8 messages of the current conversation

What We Never Send to Anthropic

• Your name, email address, or any personal identifiers
• Raw transaction records, notes, or receipt images
• Account names, numbers, or financial institution names
• Loan lender names or account numbers
• Payee names, debt person names, or nominees
• Goal names, investment names, or payee merchant names
• Personal names or institution names embedded in category labels (these are automatically masked)
• Any internal IDs, device identifiers, or unique identifiers

Conversation Storage

Inka AI conversations are session-only. Your conversation is temporarily stored while the Inka screen is open. When you close the Inka screen, your conversation is permanently deleted from our servers. Conversations do not persist between sessions.

Usage Limits

Inka AI questions are subject to monthly usage limits based on your subscription tier: 15 questions/month on the free plan, 200 questions/month on Pro. Your usage count is tracked server-side and reset on the 1st of each month.

Anthropic's Data Practices

Anthropic may process the aggregated summaries we send in accordance with their privacy policy. We have configured our API usage to opt out of Anthropic using our data for model training where this option is available. See anthropic.com/privacy for full details.

Opting Out

Inka AI is fully optional. If you prefer not to use it, simply do not open the Inka AI screen. Your financial data is never sent to Anthropic unless you actively ask Inka a question.

4B Subscriptions & Donations

When you subscribe to Inkapify Pro or make a donation through the app, the following applies:

Payment Processing

All payments are processed by Google Play. Inkapify never receives or stores your payment card details. Google Play handles billing in accordance with their privacy policy.

RevenueCat

We use RevenueCat to manage subscription status. RevenueCat receives your anonymous user ID and subscription event data (purchase, renewal, cancellation). They do not receive your financial data.

Subscription Data We Store

• Your subscription tier (free, pro, beta)
• Subscription expiry date (for active Pro subscribers)
• RevenueCat customer ID (anonymous identifier for webhook matching)

Donations

Donations are one-time purchases processed entirely through Google Play. Inkapify does not store any additional data for donations beyond confirming the transaction was completed.

5 Data Retention

• Your financial records are retained while your account is active
• Deleted records are removed from your visible data immediately
• Inka AI conversations are deleted permanently when you close the Inka screen
• Inka AI usage counts are retained for up to 13 months for monthly limit calculations, then deleted
• When you delete your account, all personal data is permanently deleted from our servers within 30 days
• Receipt photos stored in our file storage are deleted when you remove them or delete your account
• Anonymised, aggregated usage statistics may be retained as they cannot be linked back to you

6 Your Rights & Choices

• Access — view all your financial data within the app at any time
• Correction — edit or update any information you have entered
• Deletion — delete individual records, reset all data, or delete your entire account
• Export — export your transaction data to CSV from within the app
• Notifications — enable or disable push notifications in device settings or within the app
• Inka AI opt-out — simply do not use the Inka AI screen

To exercise any of these rights or to request account deletion, contact us via our Contact page.

7 Push Notifications

Inkapify may send push notifications for:

• Bill payment reminders you have set up
• Budget threshold alerts you have configured
• Recurring transaction reminders
• Goal milestone updates

You can disable push notifications at any time through your device settings (Settings → Notifications → Inkapify) or within the app under Profile → Notifications.

8 Children's Privacy

Inkapify is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe your child has provided us with personal information, please contact us via our Contact page and we will delete it promptly.

9 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Posting the updated policy at inkapify.com/privacy
• Updating the Effective Date at the top of this page
• Sending a push notification or in-app notice for material changes

Your continued use of Inkapify after the effective date of the revised policy constitutes your acceptance of the changes.