Last Updated: February 6, 2026

Privacy Policy

Last Updated: February 6, 2026

Your financial life is personal, and we treat it that way. This Privacy Policy explains how Coincert, a product of The Artificer of Ciphers, LLC (“we,” “us,” or “our”), collects, uses, and protects your information when you use the Coincert app on iOS and macOS. We believe you deserve to know exactly what happens with your data — no surprises, no fine print tricks.

Important: This privacy policy is a draft and should be reviewed by a qualified attorney before publication. Privacy requirements vary by jurisdiction and may change over time.

Information We Collect

Information You Provide

When you use Coincert, you may provide us with:

Account information — your name, email address, and any profile details you choose to add.
Financial data you enter manually — account names, balances, transactions, budgets, categories, and notes you type into the app.
Imported financial data — transaction history and account details from CSV or other files you upload from your bank or financial institution.

Information Collected Through Apple FinanceKit

If you choose to connect your Apple Card or other Apple Wallet financial accounts, Coincert uses Apple FinanceKit to access your transaction history and account information. Here’s what you should know:

FinanceKit is built into iOS and macOS by Apple. When you grant Coincert access, your device reads financial data directly from your on-device Wallet data — no credentials are shared with Coincert, and no data passes through Apple’s servers to reach us.
You will see a system-level permission prompt from Apple before any financial data is shared with Coincert. You must explicitly approve this access.
The data Coincert may receive through FinanceKit includes:
- Transaction history (dates, amounts, merchants, categories)
- Account balances
- Account details (account name, type, and institution)
This data is read directly from your device and stored alongside your other Coincert data (locally and in iCloud, as described below).
You can revoke FinanceKit access at any time in your device’s Settings > Privacy & Security > Finance section.

Information Collected Automatically

We collect minimal technical information to keep the app running smoothly:

Device type and operating system version
App version
Crash logs and performance data (through Apple’s built-in analytics, if you’ve opted in on your device)

We do not use third-party analytics services, advertising trackers, or any form of behavioral profiling.

How We Use Your Information

We use your information for one purpose: to help you manage your finances. Specifically, we use it to:

Display your accounts, balances, and transactions within the app
Sync your data across your Apple devices via iCloud
Categorize and organize your spending
Generate reports and insights about your financial activity
Improve app stability and fix bugs

We do not sell, rent, or share your financial data with advertisers, data brokers, or any third parties for marketing purposes. Period.

Data Storage and iCloud Sync

Your Coincert data is stored in two places:

On your device — your financial data is stored locally on your iPhone, iPad, or Mac.
In your iCloud account — if you have iCloud enabled, your data syncs across your Apple devices through your personal iCloud account. This data is encrypted by Apple and protected by your Apple ID credentials.

We do not operate our own servers to store your financial data. Your information lives on your devices and in your iCloud account — both of which are under your control.

For details on how Apple protects your iCloud data, visit Apple’s iCloud security overview.

Third-Party Services

Apple FinanceKit

Apple FinanceKit is a system framework built into iOS and macOS that lets you share financial data from your Apple Wallet (including Apple Card) with apps you trust. FinanceKit does not connect to external servers or require bank login credentials. All data is read directly from your device’s local Wallet storage, using Apple’s own authorization system.

Coincert does not have access to your Apple Card credentials, your Apple ID password, or any other authentication details. We only receive the transaction and account data that Apple’s system shares after you grant permission. Apple controls the authorization flow entirely — Coincert cannot bypass or modify it.

For more information about how Apple handles financial data on your device, visit Apple’s privacy documentation.

Apple iCloud and Crash Reporting

We use Apple’s iCloud services for data sync and Apple’s crash reporting tools for app stability. Both are governed by Apple’s privacy policy and your personal device settings.

We do not use any other third-party services that access your financial data beyond Apple FinanceKit as described above.

Data Security

We take the security of your financial information seriously. Here’s how we protect it:

Encryption at rest — your data is encrypted on your device using Apple’s built-in data protection.
Encryption in transit — all data transferred between your devices and iCloud is encrypted using industry-standard TLS encryption. FinanceKit data never leaves your device over the network — it is read locally.
No server-side storage — because we don’t maintain our own servers for your financial data, there’s no central database that could be breached.
Apple security — Apple FinanceKit uses on-device encryption and system-level authorization, keeping your financial data secure.

While no system is perfectly secure, our architecture is designed to minimize risk by keeping your data under your control.

Your Rights and Choices

You have control over your data:

Delete your data — you can delete all of your Coincert data at any time by removing the app and its associated iCloud data from your devices. Individual accounts and transactions can also be deleted within the app.
Disconnect bank accounts — you can unlink any connected financial institution at any time from within the app.
Revoke FinanceKit access — go to your device’s Settings > Privacy & Security > Finance and remove Coincert’s access to your Apple Wallet financial data at any time.
Disable iCloud sync — you can turn off iCloud sync for Coincert in your device’s iCloud settings. Your data will remain on the device where it was created.
Export your data — you can export your financial data from within the app at any time.

For California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete your information, and the right to opt out of the sale of your information. We do not sell your personal information.

If you are located in the European Economic Area, you may have additional rights under the General Data Protection Regulation, including the right to access, correct, or erase your personal data, and the right to data portability.

To exercise any of these rights, contact us at the address listed below.

Children’s Privacy

Coincert is not designed for or directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will promptly delete it.

Changes to This Policy

If we make meaningful changes to this privacy policy, we will notify you through the app or by email before the changes take effect. We won’t reduce your privacy protections without giving you clear notice and a chance to review the updates.

Contact Us

If you have questions about this privacy policy or how Coincert handles your data, we’d genuinely like to hear from you:

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

Coincert is committed to protecting your financial privacy. We believe managing your money should feel safe and straightforward — and that starts with being honest about how we handle your information.