Privacy Policy
Who we are
PocketMates is a family finance tracking app for couples. We help you record expenses, plan budgets, and optionally sync transactions from Ukrainian bank accounts (Monobank).
This policy explains what data we collect, why we need it, and who can access it. We built PocketMates for personal use and keep things simple — we do not sell your data, show ads, or share your financial information with third parties.
Data we collect and why
| Data | Why we collect it | Where it's stored |
|---|---|---|
| Google account name, email, profile photo | Authentication and to identify you to your household partner. Collected via Google Sign-In (Firebase Auth). | Firebase Auth (Google Cloud, EU/US) |
| Transactions (amount, category, date, note, type) | Core app functionality — tracking your household income and expenses. | Firebase Firestore |
| Budget limits per category | Showing you spending progress and over-budget alerts. | Firebase Firestore |
| Accounts (name, type, currency, balance) | Grouping transactions by account and showing current balances. | Firebase Firestore |
| Household data (member names, invite code) | Linking two users into one shared household so you both see the same data. | Firebase Firestore |
| Monobank personal API token (optional) | Fetching your transaction history from Monobank to sync automatically. Only collected if you choose to connect Monobank. | Firebase Firestore (encrypted at rest by Google) |
| Monobank transaction data (synced) | Automatically importing your bank transactions so you don't have to enter them manually. | Firebase Firestore |
| App preferences (dark mode, language, accent color) | Remembering your UI settings between sessions. | Device localStorage only — never uploaded |
Who can see your data
Your financial data is private to your household. Firestore security rules enforce that only the two members of your household can read or write your transactions, budgets, and accounts.
Firebase (Google Cloud) infrastructure staff may have access to encrypted data as part of standard cloud operations, governed by Google's own privacy policy and data processing terms.
Monobank connection
If you choose to connect Monobank, your personal API token is stored in Firestore and used exclusively to fetch your transaction history from the Monobank API. We do not use this token for any other purpose.
You can disconnect Monobank at any time from Settings, which removes your token from our database. We do not store historical tokens after deletion.
We are not affiliated with Monobank (Universal Bank). Their data is governed by Monobank's own privacy policy.
On-device AI analysis (Apple Intelligence)
PocketMates Premium includes an AI-powered debt and commitment analysis feature that uses Apple Intelligence (Foundation Models framework, iOS 26+) to generate personalized financial insights.
When you enable AI analysis, the following data is processed locally on your device:
| Data processed | Purpose | Where it goes |
|---|---|---|
| Credit card balances and interest rates | Generating repayment priority advice | On-device only — never uploaded |
| Loan balances and monthly payments | Calculating debt-free forecasts | On-device only — never uploaded |
| Installment schedules and remaining amounts | Warning about interest-free deadlines | On-device only — never uploaded |
| Total debt summary statistics | Generating optimization suggestions | On-device only — never uploaded |
The AI feature is opt-in. You must explicitly grant consent in Settings → AI Analysis before any analysis runs. You can revoke consent at any time from the same Settings screen — this immediately disables all AI processing.
On devices where Apple Intelligence is not available, PocketMates automatically falls back to a rule-based analysis engine that performs the same calculations locally without any AI model.
Third-party services
We use the following third-party services, each with their own privacy policies:
| Service | Purpose |
|---|---|
| Firebase Auth (Google) | User authentication via Google Sign-In |
| Firebase Firestore (Google) | Storing all app data (transactions, budgets, accounts, household) |
| Firebase Hosting (Google) | Serving the web app |
| Monobank API | Optional bank transaction sync (only if you connect your account) |
| Apple Intelligence (Foundation Models) | On-device AI debt analysis (Premium feature, opt-in, iOS 26+ only). No data leaves the device. |
| RevenueCat | In-app purchase and subscription management. Governed by RevenueCat's privacy policy. |
We do not use analytics, advertising networks, or tracking SDKs.
Data retention
Your data is stored as long as your account exists. If you delete your household or account, your data is removed from Firestore. We do not keep backups beyond what Firebase provides as part of its infrastructure.
To request complete deletion of your data, contact us at the email below and we will manually remove your records within 30 days.
Free-plan households can only view and edit transactions from the current calendar month. Transactions from earlier months are automatically archived once the month ends, and archived transactions are permanently deleted 30 days later unless the household upgrades to Premium first. We show an in-app warning before this deletion happens, and you may choose to have your older data deleted sooner instead of waiting out the 30-day window. Premium households are not subject to this limit and keep their full transaction history.
Children's privacy
PocketMates is intended for adults managing household finances. We do not knowingly collect data from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.
Your rights
You have the right to access, correct, or delete your personal data at any time. Most data is editable directly within the app. For account deletion or data export requests, contact us at the address below.
If you are in the EU/EEA, you also have the right to data portability and to lodge a complaint with your local supervisory authority.
Changes to this policy
If we make material changes to this policy, we will update the "Last updated" date at the top of this page. Continued use of the app after changes means you accept the updated policy.
Contact
Questions about this policy or data deletion requests: