Privacy Policy

Actuali ("the app") is a native iOS client for Actual Budget, a local-first personal finance tool. This policy explains what information the app handles and where it goes.

Short version: the app collects no personal data for the developer. Your financial data stays on your device and on the Actual Budget server you configure. If you turn on SimpleFIN bank sync, the app also connects to SimpleFIN to download your bank transactions.

Data stored on your device

The app stores the following on the device so it can work offline:

• Your budget data (accounts, transactions, payees, categories, and monthly budgets), held in a local SQLite database.
• Your server URL, selected budget ID, and preferences, held in the system defaults store.
• Your authentication token for the server you configure, held in the iOS Keychain.
• Your SimpleFIN access key, if you set up bank sync in the app, held in the iOS Keychain.
• Payee locations, if you allow location access, held in your budget data.

This data never leaves your device except to synchronise with the Actual Budget server you specify.

Data sent over the network

The app communicates with the Actual Budget server URL you enter in Settings. What it sends is whatever your Actual server requires: your login credentials, encrypted or plain sync messages, and budget file downloads.

If you set up SimpleFIN bank sync in the app, the app also connects to the SimpleFIN server named in your access key. It sends that key and downloads your bank accounts, balances, and transactions. SimpleFIN handles that data under its own privacy policy. If you set up SimpleFIN on your Actual server instead, the app talks only to your Actual server. No other network destinations are contacted by the app.

The developer of the app does not operate a server, does not see your traffic, and does not receive your data. If your server is self-hosted, your data stays entirely between you and your server.

Apple Wallet (FinanceKit)

If you link Apple Wallet accounts, the app uses Apple's FinanceKit to read the accounts, balances, and transactions you allow. It imports them into your budget, which then syncs to your Actual Budget server. You can turn off access at any time in iOS Settings.

Wallet data is never sold, used for advertising, or sent to the developer.

Analytics, tracking, and ads

The app contains no analytics, no advertising, and no third-party tracking SDKs. It does not fingerprint your device or share identifiers with anyone.

Apple services

If you install the app via the App Store or TestFlight, Apple collects standard diagnostic information (crash logs, device model, OS version) subject to Apple's own privacy policy and your iOS privacy settings. The developer may view these aggregate reports through App Store Connect to fix bugs. This is Apple's system, not a third-party SDK.

Children

The app is not directed to children under 13 and does not knowingly collect information from them.

Changes

If this policy changes, the updated version will be posted at this URL with a new effective date.

Contact

Questions about this policy or the app? Email actuali@mfazz.com.