Privacy Policy

Overview

This Privacy Policy explains what personal data Acumo (the "App") collects, how we use and share it, and the choices you have. We are committed to handling your data responsibly and in line with Apple's App Store requirements.

1. Data We Collect

• Account data: your email address (used for OTP sign-in) and optional display name.
• Financial data you enter: transactions (amounts, dates, notes), categories, assets, and due dates. You choose what to record.
• Device & diagnostic data: app version, device type, and basic technical/diagnostic information needed to operate and troubleshoot the App.

We do not ask for or store your card numbers or bank credentials; payments are handled entirely by Apple.

2. How We Collect It

We collect data you provide directly (your email and the transactions and other entries you create), and limited technical data generated automatically when you use the App (such as diagnostics and app version).

3. How We Use Your Data

We use your data to: authenticate you (OTP sign-in); store and display your transactions, categories, assets, and reports; generate AI-based budgeting insights and chat responses at your request; operate, secure, and improve the App; manage your subscription via Apple; and communicate essential service messages.

4. AI Processing

When you use AI features (insights, summaries, category suggestions, chat), we send the relevant transaction data and text you provide to third-party AI / large-language-model providers that process it to generate the requested output and return it to the App.

This data is sent only to deliver the feature you requested. Acumo itself never uses your data to train any model, and we do not provide it to anyone for training purposes. Data sent to a third-party provider (for example, OpenAI) is processed under that provider's own data-processing terms; we select providers that do not use API data to train their models, but each provider's handling of data is ultimately governed by its own policy. You can avoid AI processing entirely by not using the AI features.

5. Third-Party Sharing

We share data only as needed to run the App, with providers who are required to protect it with comparable safeguards:

• Apple — in-app purchases and subscription billing.
• AI / large-language-model providers — to generate insights and chat responses.
• Email delivery provider — to send your OTP sign-in codes.
• Hosting / cloud infrastructure — to store and serve your data.
• Product analytics (Microsoft Clarity) — to understand how the App is used and improve it; on-screen amounts are masked.
• Advertising — the current version of the App shows no ads and does not use your device advertising identifier. Ads may be introduced for free users in a future version; if that happens, this Privacy Policy will be updated before the change takes effect.

We do not sell your personal data.

6. Data Security

We protect your data using industry-standard measures, including encryption in transit (HTTPS/TLS) and encryption at rest for stored data, plus access controls. No method of transmission or storage is 100% secure, but we work to safeguard your information.

7. Data Retention & Deletion

We retain your data for as long as your account is active. You can delete your data and account at any time from within the App or by emailing support@acumo.app; upon deletion we remove your personal data from our active systems, except where retention is required by law. Backups are purged on a routine cycle.

8. Your Rights & Revoking Consent

Depending on your jurisdiction, you may have rights to access, correct, export, or delete your data, and to object to or restrict certain processing. You can revoke consent for AI processing by not using AI features, and you can withdraw consent generally by deleting your account. To exercise any right, contact support@acumo.app.

9. Children

The App is not directed to children under 13 (or the minimum age required in your jurisdiction), and we do not knowingly collect their data. If you believe a child has provided us data, contact us and we will delete it.

10. International Transfers

Your data may be processed and stored on servers located in countries other than your own, including by the third-party providers listed above. Where data is transferred internationally, we take steps intended to ensure it remains protected.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will revise the "last updated" date and, for material changes, provide in-app notice where appropriate. Continued use after changes take effect means you accept the updated policy.

12. Contact / Data Controller

The data controller for Acumo is the App's developer. For privacy questions or to exercise your rights, contact support@acumo.app.