01
Information we do not collect
We do not require you to create an account, and the App does not have a backend server. We do not collect, store, or have any access to:
- Your name, email address, or any other personal identifier
- The debts, investments, balances, or payment history you enter into the App
- Your device's location
- Your contacts, photos, or camera
- Any usage analytics, crash reports, or behavioral tracking data
02
Information stored on your device
All financial data you enter into Tabs — debt and investment names, amounts, interest rates, payment history, and related notes — is stored locally on your device only (using SwiftData on iOS and Room on Android). This data:
- Never leaves your device unless you explicitly export it yourself
- Is deleted permanently if you uninstall the App
- Is not backed up to any server we operate, because we don't operate one
03
Third-party services we use
Currency exchange rates
To convert amounts between currencies, the App makes an anonymous request to a public exchange-rate API (open.er-api.com). This request does not include any of your personal or financial data — it only asks for current exchange rates and is indistinguishable from any other visitor's request.
In-app purchases
Tabs offers a one-time optional purchase ("Tabs Pro") processed entirely by the Apple App Store or Google Play Store, depending on your device. Payment information (card details, billing address, etc.) is collected and processed by Apple or Google under their own privacy policies — we never receive or have access to it. We only receive confirmation of whether a purchase was completed, so the App can unlock Pro features.
Notifications
If you enable payment or deposit reminders, the App schedules local notifications directly on your device (using UNUserNotificationCenter on iOS and WorkManager on Android). These reminders are generated and delivered entirely on-device — no notification content or scheduling data is sent to us or to any push notification server.
04
Exporting your data
The App lets you export your data as a CSV file. This file is created locally on your device, and you choose where to send or save it (e.g. via your device's native share sheet). We have no visibility into this process and never receive a copy of the exported file.
06
Retention and deletion
Because your data lives only on your device, you are always in full control of it:
- Delete individual debts, investments, or payment entries at any time within the App
- Uninstalling the App permanently deletes all locally stored data
- We have no copy of your data to retain or delete on our end
07
Children's privacy
Tabs is not directed at children under 13, and we do not knowingly collect information from children. Since the App does not collect personal information from any user, this applies equally regardless of age.
08
Your rights
Because we do not collect or store your personal data on any server, most data-access, correction, and deletion requests (such as those under GDPR or CCPA) are already fully within your control directly in the App or by uninstalling it. If you have questions about your data or this policy, contact us at the email below.
09
Changes to this policy
We may update this Privacy Policy from time to time, for example to reflect new features (such as optional iCloud sync, if introduced in the future). If we make material changes, we will update the "Last updated" date above. We encourage you to review this page periodically.
10
Contact us
If you have any questions about this Privacy Policy, reach out any time — we read every message.
Questions about this policy
RIP Wallet
Also see the Terms of Use for Tabs.