Privacy Policy

Last updated: 6 June 2026

HomeSum (“we”, “us”) is a personal budgeting app. This policy explains what we collect, how we use it, and the choices you have. Our guiding principle is simple: your financial data stays on your device by default.

1. Data stored on your device

Your accounts, transactions, budgets, goals, categories and rules are stored locally on your phone in an encrypted-at-rest database. This data is not sent to us unless you explicitly enable optional cloud sync (see §4).

2. Notification access (auto-capture)

If you turn on auto-capture, HomeSum reads incoming bank and wallet notifications on your device to draft transactions for you. Notification content is processed locally and is not uploaded to our servers. You can disable this at any time in your device settings or in the app.

3. Receipt scanning

Receipt photos are processed on your device using on-device text recognition. The images and recognised text are not uploaded to us. Photos remain on your phone unless you choose to share them.

4. Optional cloud sync

If you create an account and enable sync, your transaction data is sent to our servers (operated under the home-sum.com domain) over an encrypted connection (HTTPS) so you can access it across your devices. You can disable sync and request deletion of your synced data at any time (see §8).

5. Optional AI assistant

If you use the in-app assistant to ask questions about your money, the specific question and the minimum context needed to answer it may be sent to our servers and/or a third-party AI provider to generate a response. We do not use your data to train third-party models.

6. Payments

HomeSum Pro subscriptions are processed by Google Play. We never receive or store your card or payment details — Google handles billing. We receive only the subscription status needed to unlock Pro features.

7. What we do not do

• We do not sell your personal or financial data.
• We do not require your bank login or credentials.
• We do not show third-party advertising inside the app.

8. Your choices & data deletion

You can delete any record in the app, export your data as CSV, and uninstall to remove all on-device data. If you used cloud sync and want your server-side data deleted, email us and we will erase it.

9. Children

HomeSum is not directed to children under 16, and we do not knowingly collect data from them.

10. Changes

We may update this policy; material changes will be reflected here with a new “last updated” date.

11. Contact

Questions or data requests: twixostore@gmail.com.