Privacy Policy
Budget Planner: Expenses
Expense tracking, budgets, savings goals, CSV export and an AI coach. This policy covers this app only — each of our apps has its own.
Last updated: 8 October 2026
The short version
Your transactions, budgets and goals are stored on your device only. The app shows no ads and contains no analytics, crash-reporting or tracking code. One optional feature sends data off the device: if you agree in the in-app consent dialog and then ask the assistant a question (or run the Deep Assessment), it sends your question, up to your last 12 messages in that chat, and a summary of your own figures — total saved, streak, monthly income, budget and amount spent, fixed monthly costs, categories that are over or near their limit (with amounts), up to 3 goals with their progress, and your last assessment score with its two suggested steps; the Deep Assessment sends its questionnaire answers — to Google's Gemini API, or, only if Gemini is unavailable, to Agnes AI. Individual transactions are not sent. Nothing is sent before you agree.
There is no account and no sign-up. We never ask for your name, email address or phone number to use the app, and there is no developer-run server holding your content.
What we collect
Concretely, here is everything that is handled or sent anywhere.
- Nothing you type, except for the AI assistant. Transactions, budgets, categories, goals, jars, challenges, debts, subscriptions and net worth entries are stored on your device, inside the app. There is no developer-run server and no cloud sync, so we cannot see them.
- AI assistant and Deep Assessment (optional, after you agree). The question or answers you write, up to your last 12 messages in the chat, and the summary of your own figures described above. Individual transactions are not sent. It goes to Google's Gemini API, or, if Gemini is unavailable, to Agnes AI instead. No name, e-mail or account identifier is sent (the app has none); like any internet request it exposes the network address. The providers may keep requests for a limited time under their own policies.
- Whether Premium is active. Apple tells the app on your device which plan you own (StoreKit). We run no purchase server and receive no purchase data.
- No crash reports, no analytics. The app contains no crash-reporting, analytics, advertising or tracking code. Apple may show us aggregated, anonymous statistics from people who chose to share diagnostics with developers in iOS settings.
What we do not collect
We do not ask for, receive or store any of the following.
- advertising data — the app shows no ads
- analytics, crash reports or device identifiers
- your name
- your email address or phone number
- contacts
- precise location
- photos
- browsing history
- payment card details
- bank credentials or bank logins — the app never has any, because every figure is entered or imported by you
There is no account, no sign-up and no login. Everything you create in the app is stored on your device, so we have no way to look at it, and nothing to hand over or sell.
Payments
Purchases are processed by Apple on the App Store or by Google on Google Play. We never receive or store your payment card details — the store only tells the app, on your device, whether your entitlement is active.
Third-party services
These are the only outside services the app talks to. Each has its own privacy policy.
- Google Gemini API — Receives your question, up to your last 12 chat messages and the summary of your own figures described above (or the Deep Assessment answers), and returns the answer. Only when you use the assistant and have agreed. Google privacy policy.
- Agnes AI (apihub.agnes-ai.com) — Used only when Google Gemini is unavailable: receives the same request and returns the answer.
Your choices and rights
Because your data is on your device, you are the one holding it.
Deleting your data.
- Uninstalling the app deletes the data it stored on your device.
- Profile → Delete All Data erases everything the app stores on your device (entries, chat history, widget copy, settings, reminders). An iCloud backup you made is kept in your iCloud account until you delete it there.
- You can delete individual transactions, budgets and goals inside the app at any time.
Asking us anything. You may email support@playtools.top with any privacy question or request — including a request to access or delete data. Since we hold no personal data about you on any server of ours, in most cases the honest answer is that there is nothing on our side to retrieve or erase, and we will tell you so plainly.
Children
Budget Planner is not directed at children under 13, and we do not knowingly collect data from them. If you believe a child has provided us with personal data, email support@playtools.top and we will look into it.
Changes to this policy
If the app changes in a way that affects this policy — a new feature that sends something online, or a service we stop using — we update this page and change the “Last updated” date at the top. The current version is always the one published here.
Contact
One email address, read by the people who make the app.
Email us about privacy
Questions about this policy, or about what Budget Planner does with anything? Write to us — a real person reads every message.
Budget Planner is made by Cinderspire, the data controller for the limited processing described above.
More about Budget Planner
Help with the app itself, and the other documents that apply.