Privacy Policy

Effective Date: February 6, 2026 Last Updated: February 6, 2026

Welcome to Coincert, a personal finance application available for iOS and macOS. Your privacy is extremely important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our app.

By using Coincert, you agree to the practices described in this Privacy Policy. This policy may be updated periodically.

1. Information We Collect

1.1 Information You Provide Directly

• Manually Entered Financial Data: You may manually enter transaction details, account information, budgets, categories, notes, and other financial data into the app.
• Account Credentials (Third-Party Services): When you choose to link external financial accounts via Plaid or Apple FinanceKit, you provide credentials directly to those third-party services, not to us.

1.2 Information Collected via Third-Party Services

• Plaid: When you link bank accounts, credit cards, or investment accounts through Plaid, Plaid collects and shares with us transaction data, account balances, and account information. We receive this data in read-only format.
• Apple FinanceKit: When you authorize Coincert to access your Apple Card or Apple Cash data via FinanceKit, Apple provides transaction and balance information directly to the app on your device.

1.3 Information Collected Automatically

• Device Information: Device model, operating system version, unique device identifiers.
• Usage Data: App features used, settings preferences, crash logs (for debugging purposes).
• iCloud Sync Data: If you enable iCloud sync, your financial data is synchronized with your personal iCloud account.

We do NOT collect location data, contacts, photos, or other sensitive device data unrelated to financial tracking.

2. How We Use Your Information

We use the information collected to:

• Display Your Financial Information: Present your transactions, balances, and spending insights within the app.
• Sync Across Your Devices: Use iCloud to keep your data synchronized between your iPhone, iPad, and Mac.
• Categorize and Analyze Spending: Automatically categorize transactions and generate spending reports and insights.
• Improve the App: Analyze crash reports and usage patterns to fix bugs and improve features.
• Comply with Legal Obligations: Respond to legal requests or enforce our Terms of Service, if required.

We do NOT:

• Sell your data to third parties
• Share your financial data with advertisers
• Use your data for marketing or advertising purposes
• Store your financial data on our own servers (all data is on-device or in your iCloud account)

3. Data Storage and iCloud Sync

3.1 On-Device Storage

All financial data you enter or import is stored locally on your device using secure storage mechanisms provided by iOS and macOS (CoreData and Keychain).

3.2 iCloud Sync (Optional)

If you enable iCloud sync:

• Your financial data is encrypted and stored in your personal iCloud account
• Data is synced across all devices signed into the same iCloud account
• We do NOT have access to your iCloud data
• You control iCloud sync settings in your device’s Settings app

3.3 No Server-Side Storage

We do NOT operate our own servers to store your financial data. All data remains on your device and/or in your personal iCloud account. We cannot access, view, or retrieve your financial information.

4. Third-Party Services

4.1 Plaid

Plaid is a third-party service that securely connects your financial accounts to Coincert. When you link accounts via Plaid:

• You provide your credentials directly to Plaid (not to us)
• Plaid uses bank-level encryption and security measures
• Plaid’s privacy policy governs how they handle your data
• You can revoke Plaid access at any time via the app or Plaid’s website

For more information, see Plaid’s Privacy Policy: https://plaid.com/legal/

4.2 Apple FinanceKit

FinanceKit is an Apple framework that allows you to securely share your Apple Card and Apple Cash transaction data with Coincert. When you authorize FinanceKit access:

• Apple shares transaction data directly with the app on your device
• No data is sent to external servers
• You can revoke FinanceKit permissions at any time in iOS Settings

For more information, see Apple’s Privacy Policy: https://www.apple.com/legal/privacy/

4.3 Apple iCloud

If you enable iCloud sync, Apple’s iCloud Privacy Policy governs how your data is stored and transmitted:

• Data is encrypted in transit and at rest
• Apple cannot access your encrypted iCloud data
• You control iCloud settings in your device’s Settings app

For more information, see Apple’s iCloud Privacy Policy: https://www.apple.com/legal/privacy/

5. Data Security

We take the security of your financial data seriously:

• Encryption at Rest: All data stored on your device is encrypted using iOS/macOS secure storage (CoreData, Keychain).
• Encryption in Transit: Data synced via iCloud is encrypted during transmission using Apple’s secure protocols.
• No Server-Side Storage: Since we do not store your data on our servers, server-side data breaches are not a risk.
• Plaid Security: Plaid uses AES-256 encryption and bank-level security to protect linked account credentials and data.

However, no system is 100% secure. You are responsible for:

• Keeping your device passcode secure
• Protecting your iCloud account credentials
• Revoking access to third-party services (Plaid, FinanceKit) if your device is lost or stolen

6. Your Rights and Choices

6.1 Access and Control Your Data

• View Your Data: All your financial data is accessible within the app.
• Delete Your Data: You can delete individual transactions, accounts, or all app data via the app’s settings.
• Export Your Data: You can export your financial data as CSV files.

6.2 Disconnect Third-Party Services

• Disconnect Plaid Accounts: You can unlink Plaid-connected accounts at any time via the app or Plaid’s website (https://my.plaid.com/).
• Revoke FinanceKit Access: You can revoke FinanceKit permissions in iOS Settings > Privacy & Security > Financial Data.
• Disable iCloud Sync: You can disable iCloud sync in the app’s settings or in your device’s Settings app.

6.3 California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal information is collected
• Request deletion of your personal information
• Opt-out of the sale of personal information (Note: We do NOT sell your data)

To exercise these rights, contact us at support@coincert.app.

6.4 European Privacy Rights (GDPR)

If you are in the European Economic Area (EEA), you have the right to:

• Access, correct, or delete your personal data
• Object to or restrict processing of your data
• Data portability (export your data)

To exercise these rights, contact us at support@coincert.app.

7. Children’s Privacy

Coincert is not intended for use by individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that we have inadvertently collected information from a child under 13, we will delete it immediately.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the “Last Updated” date at the top of this policy. Significant changes will be communicated via the app or email (if you have provided one).

Your continued use of Coincert after changes are posted constitutes acceptance of the updated policy.

9. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

• Email: support@coincert.app
• Website: https://coincert.app/privacy

Coincert - Take control of your finances. Privately.