1. Who we are
Paynther ("the App") is an iOS expense-tracker. Contact: hello@paynther.com.
2. What data Paynther handles
2.1 Data you create in the App
Transactions, amounts, merchants, categories, notes, receipt photos, budgets, lists, currency preference, appearance preference, onboarding state.
Where it's stored: exclusively in your personal iCloud account, in a private CloudKit database tied to your Apple ID. Apple syncs it across your devices.
Who can access it: only you. We have no server-side database of user content and no way to read your iCloud.
2.2 Data sent for AI-assisted features
When you use Smart entry, Receipt scanning or Ask Paynther, the App sends the minimum text needed (e.g. the sentence you typed, the receipt's recognised text, a compact JSON summary of recent transactions for context) to our backend proxy at paynther.vercel.app. The proxy forwards the request to a third-party large-language-model provider (currently OpenAI), receives the parsed result and returns it to your device.
We do not:
- store these requests or responses,
- attach a user identifier to them,
- use them for training,
- read them ourselves.
2.3 Voice and image processing on device
Speech-to-text uses Apple's on-device speech recogniser when available. Receipt OCR uses Apple's on-device Vision framework. Audio and full receipt images stay on your device — only the recognised text is forwarded to the AI proxy.
2.4 Apple Pay automation
The "Log Apple Pay payments" feature runs as an Apple Personal Automation through Apple Shortcuts. Apple, not Paynther, surfaces transaction details to the Shortcut. We never see your card number, your bank, or any payment credentials.
3. What Paynther does not collect
- No account, no email, no password.
- No analytics SDKs, no crash reporters with personal data, no ad SDKs.
- No location, contacts, calendars, health, or browsing history.
- No tracking identifiers; no data shared with data brokers or ad networks.
4. Data retention
- iCloud content: stays until you delete it.
- AI proxy: zero retention — processed in memory and discarded.
- No backups of your data exist on our side, because we never store it.
5. Deleting your data
Delete a transaction, list or budget in the App to remove it from iCloud. To wipe everything, delete the App; iCloud will remove the App's container shortly after. You can also clear it manually from Settings → Apple ID → iCloud → Manage Account Storage → Paynther.
6. Children
Paynther is not directed at children under 13 and we do not knowingly collect data from them. (Operationally we collect no personal data from anyone.)
7. International users
Because user content lives in your own iCloud, cross-border transfer of personal data is governed by Apple's iCloud terms. Requests to the AI proxy may be processed in the United States by the LLM provider.
8. Your rights
You don't have an account with us, so there is nothing on our side to access, correct, port or delete. For data in your iCloud, you control it directly through Apple. Questions: hello@paynther.com.
9. Security
- Requests to our proxy are sent over TLS 1.2+.
- The proxy is protected by a rotating shared secret embedded in the App.
- Your iCloud content is encrypted by Apple in transit and at rest under your Apple ID.
10. Changes to this policy
If we change this policy materially, we'll update the date above and surface a notice in the App's Settings. Continued use after a change means you accept the updated policy.