Privacy Policy

Last Updated: January 2025

At Kapito, we believe your financial data is deeply personal and should remain under your control. This Privacy Policy explains how we handle your information when you use the Kapito app.

Our Privacy Philosophy

Kapito is designed with a privacy-first architecture. We don't collect, store, or have access to your financial data. Your information stays on your device and, optionally, in your personal iCloud account.

Information We Do Not Collect

We do not collect, access, or store:

  • Your financial account information
  • Your net worth or balance data
  • Your bank account credentials
  • Your personal identification information
  • Your usage patterns within the app
  • Your location data

Data Storage

Local Storage

All your financial data is stored locally on your device using Apple's SwiftData framework. This data never leaves your device unless you explicitly enable iCloud sync.

iCloud Sync (Optional)

If you choose to enable iCloud sync, your data is stored in your personal iCloud account using Apple's CloudKit private database. This means:

  • Your data is encrypted end-to-end by Apple
  • Only you can access your data with your Apple ID
  • We cannot access, read, or decrypt your data
  • Sync can be disabled at any time in Settings

Biometric Security

Kapito supports Face ID and Touch ID to protect access to your app. Biometric data is processed entirely on your device by Apple's Secure Enclave. We never receive or store your biometric information.

Analytics

Our website (kapito.app) uses Plausible Analytics, a privacy-friendly analytics service that:

  • Does not use cookies
  • Does not collect personal data
  • Does not track users across sites
  • Is GDPR, CCPA, and PECR compliant

The Kapito app itself does not include any analytics or tracking.

Third Party Services

Kapito may connect to the following third-party services for specific features:

  • Yahoo Finance API (optional): For fetching stock prices. Only ticker symbols are sent, no personal data.
  • CoinGecko API (optional): For fetching cryptocurrency prices. Only coin identifiers are sent, no personal data.
  • Apple App Store: For processing in-app purchases. Handled entirely by Apple.

Data Retention

Since we don't collect your data, there's nothing to retain. Your data exists only on your device and/or your iCloud account. If you delete the app, your local data is deleted. If you disable iCloud sync, your cloud data can be managed through Apple's iCloud settings.

Data Export and Deletion

You can export all your data at any time in CSV or PDF format through the app's Settings. To delete all data, simply delete the app from your device and disable iCloud sync if enabled.

Children's Privacy

Kapito is not directed at children under 13. We do not knowingly collect information from children. If you believe a child has provided us with personal information, please contact us.

International Users

Kapito operates globally. Since your data stays on your device or in your iCloud account, it's stored according to your device's location and Apple's iCloud infrastructure.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last updated" date. Continued use of the app after changes constitutes acceptance of the updated policy.

Your Rights

Under GDPR, CCPA, and similar regulations, you have the right to:

  • Access your data (it's all on your device)
  • Export your data (available in Settings)
  • Delete your data (delete the app)
  • Opt out of data collection (we don't collect data)

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: privacy@kapito.app