Privacy Policy

1. Information We Collect

Account and profile information

When you create or use a PocketPatch account, we may collect:

• Name
• Email address
• Account authentication information
• Currency, timezone, and week-start preferences
• Subscription and entitlement information

We do not store your Apple App Store or Google Play payment card details. Subscription payments are processed by Apple, Google, and our subscription-management provider.

Financial information you enter

Depending on which features you use, PocketPatch may collect:

• Transactions, income, expenses, amounts, dates, merchants, payees, categories, notes, tags, and payment methods
• Budgets and spending limits
• Recurring transactions
• Savings goals and contributions
• Shopping lists and estimated or actual prices
• Shared-expense, group, participant, and settlement information
• Imported transaction information from CSV, OFX, QFX, or PDF statements

PocketPatch does not require or collect your online banking username, password, or bank-login credentials.

Receipt-scanning information

If you use receipt scanning, PocketPatch may process receipt images or text to identify information such as:

• Merchant name
• Transaction date
• Total amount
• Tax amount
• Extracted receipt text
• OCR confidence information

Receipt images are used for processing and are not intended to be permanently stored by PocketPatch through the active receipt-scanning flow. Confirmed receipt information and extracted transaction data may be saved to your PocketPatch account.

Receipt scanning may use on-device recognition or server-side processing, depending on your device and configuration. When server-side processing is used, the receipt image is transmitted temporarily for OCR processing.

Bank-statement imports

PocketPatch supports importing transaction data from supported CSV, OFX, QFX, and PDF files.

Where supported, files are processed locally on your device. Only information you explicitly confirm for import is sent to PocketPatch for storage. PocketPatch may retain transaction data, import history, file format, import counts, sanitized file names, and non-sensitive import preferences.

Do not include passwords, full account numbers, or other unnecessary sensitive information in imported files.

Apple Wallet and device financial data

On supported Apple devices, you may choose to import eligible transaction information from Apple Wallet or Apple FinanceKit after granting permission.

PocketPatch only receives the financial information you authorize for import. PocketPatch does not receive your Apple Wallet password or Apple Pay credentials.

Apple Wallet importing is not available on Android devices.

Device and technical information

We may collect limited technical information needed to operate and secure the application, such as:

• Device type and operating system
• Application version
• Network and diagnostic information
• Authentication session information
• Error logs and security information

PocketPatch’s optional reminders are scheduled privately on your device. We do not require a push-notification account to use these reminders.

2. How We Use Information

We use information to:

• Create and manage your account
• Authenticate your sign-in
• Provide transaction tracking and budgeting features
• Process receipt scans and statement imports
• Organize transactions and identify recurring spending
• Provide shared expenses, groups, settlements, and household features
• Calculate budgets, analytics, goals, and spending summaries
• Process subscriptions and verify paid entitlements
• Send requested sign-in emails or service communications
• Respond to support and privacy requests
• Detect fraud, abuse, unauthorized access, and security issues
• Maintain, troubleshoot, and improve PocketPatch
• Comply with legal obligations

We do not sell your personal information.

3. How We Share Information

We may share information with service providers that process information on our behalf, including providers used for:

• Cloud hosting and database services
• Authentication and email delivery
• Receipt OCR and image processing
• Subscription management and entitlement verification
• Application security, diagnostics, and infrastructure

These providers are authorized to use information only as necessary to provide services to PocketPatch or comply with legal requirements.

We may also disclose information:

• When required by law, regulation, court order, or legal process
• To protect the rights, safety, and security of PocketPatch, our users, or others
• To investigate fraud, abuse, or security incidents
• In connection with a merger, acquisition, financing, restructuring, or sale of assets

Shared-expense information may be visible to members of the relevant group. Please only add information to a group that you are comfortable sharing with its members.

4. Subscriptions and Payments

PocketPatch offers subscriptions through Apple’s App Store and Google Play.

Apple and Google process subscription payments directly. PocketPatch may receive information such as:

• Subscription product
• Subscription status
• Renewal or expiration status
• Platform identifier
• Entitlement information

PocketPatch does not receive or store your complete payment-card number.

Deleting your PocketPatch account does not necessarily cancel an Apple or Google subscription. You must cancel subscriptions through your Apple App Store or Google Play account.

5. Data Retention

We retain information for as long as necessary to:

• Provide PocketPatch features
• Maintain your account
• Complete requested transactions or imports
• Resolve disputes and support requests
• Meet legal, accounting, security, or regulatory requirements
• Prevent fraud and abuse

When information is no longer required, we will delete, anonymize, or securely dispose of it where reasonably practicable.

6. Account and Data Deletion

You can request deletion of your PocketPatch account and associated personal data.

Deletion through the app

You can submit a deletion request in the PocketPatch app:

1. Open Settings
2. Select Delete Account & Data
3. Review the warning
4. Confirm by selecting Delete Everything

Account deletion is permanent and cannot be undone.

Depending on the information associated with your account, deletion may remove:

• Your PocketPatch account
• Transactions and transaction details
• Categories
• Budgets
• Goals
• Recurring transactions
• Receipts and extracted receipt data
• Shopping lists
• Import history and import settings
• Notification preferences
• Group memberships and user-owned group data
• Authentication sessions and connected account records

Shared financial records

If your account is referenced by shared financial history belonging to another group member, PocketPatch may temporarily prevent deletion to avoid deleting or corrupting another person’s financial records.

In that situation, the app will explain that the group owner must remove the relevant shared transactions, settlements, or other shared financial records before your account can be deleted.

When you own a group, PocketPatch may remove the group or detach group-owned records as necessary to protect the financial records of other users.

Requesting deletion by email

If you cannot access the app, send a request to:

pocketpatch@cyberedgeplus.com

Use the subject line:

PocketPatch Data Deletion Request

Include:

• The email address associated with your PocketPatch account
• Your name, if available
• A description of the deletion request
• Any relevant account or support information

We may request reasonable information to verify your identity and protect your account from unauthorized deletion. After verification, we will process the request within the period required by applicable law.

Deleting your account does not automatically cancel subscriptions purchased through Apple or Google. Cancel those subscriptions separately through the applicable app store.

7. Your Privacy Choices

Depending on your location, you may have rights to:

• Access personal information we hold about you
• Correct inaccurate information
• Request deletion of personal information
• Request a copy of certain information
• Restrict or object to certain processing
• Withdraw consent where processing is based on consent
• Contact a data-protection authority

You may also manage certain information directly in the app, including your name, currency, timezone, notification preferences, transactions, receipts, budgets, groups, and goals.

8. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

No method of transmission or storage is completely secure. You are responsible for protecting your device, account credentials, and authentication codes.

9. Children’s Privacy

PocketPatch is not intended for children under the age required by applicable law. We do not knowingly collect personal information from children without legally required consent.

If you believe a child has provided personal information to PocketPatch, contact us at pocketpatch@cyberedgeplus.com.

10. International Processing

PocketPatch and our service providers may process information in countries other than the country where you live. Where required, we use appropriate safeguards for international transfers.

11. Third-Party Services

PocketPatch may rely on third-party services for hosting, authentication, email delivery, OCR processing, subscription management, analytics, security, and application infrastructure.

Those services may process information according to their own privacy policies. PocketPatch does not control the privacy practices of independent third parties.

12. Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the “Last updated” date and, where required, provide additional notice.

Your continued use of PocketPatch after an updated policy becomes effective means that you acknowledge the updated policy.

13. Contact Us

For privacy questions, access requests, correction requests, or data-deletion requests, contact:

pocketpatch@cyberedgeplus.com