Privacy Policy

• RetroBudget never asks for your bank login and never links to your bank accounts.
• Statements you upload are processed only to categorize transactions, and are deleted afterward.
• We do not sell your data or use it for advertising.
• The only data we collect is anonymous, non-identifying usage data.

Bank and credit card statements. You may upload PDF statements so the app can read and categorize your transactions. These files are transmitted securely and processed solely to generate your spending breakdown. After processing is complete, the statement files and their raw contents are deleted and are not retained on our servers.

Account information. If you choose Sign in with Apple, Apple provides a unique identifier and, optionally, a name and a relay email address you control. We use this only to maintain your session and sync your settings. We never receive your Apple password. You can stop sharing at any time in your Apple ID settings.

Your settings. Preferences such as your spending categories may be synced to the cloud so they stay consistent across your devices.

We collect limited usage data (for example, anonymous diagnostics and interaction events) to understand how the app is used and to fix problems. This data is not linked to your identity, consistent with the App Store privacy label for RetroBudget.

To categorize transactions, the contents of your statements are sent to our AI processing provider, OpenAI, which performs the categorization and returns the results. This processing is transient: the data is used to produce your breakdown and is not retained for model training by us. We encourage you to also review OpenAI's privacy policy.

• To read and categorize the statements you upload.
• To display your spending breakdowns by category, merchant, and card.
• To keep you signed in and sync your settings across devices.
• To send processing and completion notifications you opt into.
• To diagnose issues and improve the app.

We do not sell your personal information. We share data only with service providers that help operate the app, such as our AI processing provider (OpenAI) and Apple (for Sign in with Apple and notifications), and only to the extent needed to provide the service, or where required by law.

Uploaded statement files and their raw contents are deleted after processing. Your account identifier and synced settings are retained while your account is active. If you would like your account and associated data deleted, contact us at the address below.

Data is transmitted over encrypted connections, and the app can be locked behind Face ID or Touch ID. No method of transmission or storage is ever completely secure, but we work to protect your information and to hold as little of it as possible.

RetroBudget is rated 4+ but is not directed to children, and we do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can remove it.

Depending on where you live, you may have the right to access, correct, or delete your personal information, or to object to certain processing. To exercise any of these rights, email us and we will respond.

We may update this policy from time to time. When we do, we will revise the “Last updated” date at the top of this page.

Questions about this policy or your data? Reach out to sayhi@swiftlysingh.com.