Privacy Policy

Our Promise

KineXi is built on a simple belief: your financial data belongs to you and only you.

We don't collect your personal information. We don't track your spending habits. We don't sell data to advertisers. We don't even have servers that could store your data if we wanted to.

Everything happens on your device.

What Stays on Your Device

All of your financial data is stored locally on your iPhone using Apple's Core Data framework. This includes:

• Transactions — amounts, dates, categories, and notes
• Accounts — names, balances, and types
• Budgets — limits, spending progress, and rollover amounts
• Bills & Subscriptions — due dates, amounts, and reminders
• Notes & Journal Entries — your personal reflections
• Investments — portfolio holdings and alternative investments
• Categories — your custom categories and organization
• Recurring Rules & Transfers — scheduled transaction patterns

None of this data is transmitted to us or any third party. It lives on your device, protected by your device's security (passcode, Face ID, or Touch ID).

What We Don't Collect

We want to be explicit. KineXi does not collect:

• Your name, email address, or phone number
• Bank credentials or account numbers
• Transaction details or spending patterns
• Device identifiers or advertising IDs
• Location data
• Contacts, calendar, or health information
• Browsing history
• App usage analytics sent to external servers

We have no user accounts, no sign-up process, and no way to identify you.

iCloud Sync

If you choose to enable iCloud sync, your financial data is synced across your Apple devices using Apple's CloudKit framework. This means:

• Your data is stored in your personal iCloud account, not ours
• Sync is encrypted in transit and at rest by Apple
• Only devices signed into your Apple ID can access it
• We never see, access, or process your synced data
• You can disable sync at any time in Settings

iCloud sync is entirely optional. KineXi works fully offline without it.

On-Device AI

KineXi includes 26+ AI-powered features — smart categorization, spending insights, voice input, mood analysis, and more. All of these run entirely on your device using Apple's Foundation Models and Natural Language frameworks.

• No data is sent to OpenAI, Google, or any cloud AI service
• AI processing works without an internet connection
• Your financial data never leaves your device for AI analysis

We also take extra precautions with AI inputs. Before any text is processed by the on-device AI, our privacy guard automatically strips sensitive patterns like credit card numbers, government IDs, and email addresses — even though the data never leaves your device.

Device Permissions

KineXi requests certain device permissions to enable specific features. Each permission is optional and only activated when you use the related feature:

We do not request access to your location, contacts, calendar, or health data.

Anonymous Feedback Identifier

When you use the Share Feedback feature inside the app, we generate a random anonymous identifier (a UUID) and store it on your device. This identifier is sent along with your feedback submission so that:

• You can vote on feature requests without duplicate votes
• Your feedback threads can be tracked across sessions

This identifier:

• Is randomly generated — it is not derived from your device, Apple ID, or any personal information
• Is not linked to your financial data or any other information in the app
• Is only transmitted when you actively open the feedback page
• Can be reset by reinstalling the app

Widgets

KineXi offers home screen widgets that display summaries like budget progress, net worth, and upcoming bills. Widget data is shared between the main app and the widgets using Apple's App Groups — a secure, on-device storage mechanism.

• Widget data never leaves your device
• It is encrypted when your device is locked
• Only KineXi and its widgets can access this data

Backups

KineXi allows you to create local backups of your data. These backups are:

• Encrypted using AES-GCM-256 encryption
• Stored locally on your device or in your personal iCloud Drive (if you choose)
• Never accessible to us — we cannot read, access, or recover your backups

You are in full control of creating, restoring, and deleting backups.

Data Security

We take security seriously at every level:

• File Protection: Your data files use Apple's "Complete" protection class, meaning they are encrypted and inaccessible when your device is locked.
• Secure Logging: In production builds, all error logs are redacted. No financial data, transaction IDs, amounts, or personal information is ever written to logs.
• Input Sanitization: User inputs are sanitized before database queries to prevent injection attacks. AI prompts are sanitized to prevent prompt injection.
• No Third-Party SDKs: We don't include any third-party analytics, advertising, or tracking SDKs. No Firebase. No Amplitude. No Mixpanel. Nothing.

Third-Party Services

KineXi does not integrate with any third-party data services. We do not use:

• Third-party analytics or crash reporting services
• Advertising networks or attribution platforms
• Third-party cloud storage or databases
• Bank aggregation or financial data APIs

The only external connections the app makes are:

• This privacy policy page — when you tap "Privacy Policy" in Settings
• The feedback portal — when you tap "Share Feedback" in Settings
• Apple's App Store — when you choose to share the app
• Your email client — when you tap "Contact Support"

All of these are initiated by you and none transmit financial data.

Children's Privacy

KineXi is not directed at children under the age of 13. We do not knowingly collect personal information from children. Since we don't collect personal information from anyone, this is inherently satisfied by our design.

Changes to This Policy

If we make changes to this privacy policy, we will update the "Last updated" date at the top of this page. Since KineXi does not collect email addresses or contact information, we encourage you to review this page periodically.

Our core commitment will not change: your data stays on your device.

Contact Us

If you have any questions about this privacy policy or KineXi's privacy practices, you can reach us at:

Email: support@kinexi.app