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Privacy Policy

fiqbusiness2025-ops edited this page May 5, 2026 · 11 revisions

Privacy Policy

Last updated: April 2026

1. Introduction

FiQ is built on a simple principle: your financial data belongs to you and you alone. We collect nothing, transmit nothing, and store everything only on your device.

2. Data Storage

All your financial data — including transactions, accounts, categories, budgets, and subscription records — is stored exclusively on your device using Apple's Core Data framework. Nothing is ever uploaded to a server, cloud service, or third-party system.

3. No Network Requests

FiQ operates entirely offline. The app makes no network connections at any time. Your data never leaves your iPhone or iPad, and no internet connection is required to use any feature.

4. On-Device AI

The AI-powered features in FiQ, including category suggestions and the FiQ chat assistant, run entirely on your device using Apple's on-device machine learning frameworks. No data is sent to external AI services.

5. Notifications

If you enable subscription reminders, FiQ schedules local notifications on your device. These notifications are generated and delivered entirely on-device; no data is sent externally to trigger them.

6. Data Deletion

You have full control over your data at all times. You can delete any or all app data within the app via Settings → Delete Data. Deleting the app from your device permanently removes all data stored by FiQ.


Terms and Conditions

Last updated: April 2026

1. Acceptance of Terms

By using the FiQ application, you agree to these terms. Because FiQ is a local-only application, your use of the app is primarily governed by your own management of the device and the data contained within it.

2. Ownership of Data

All data entered into FiQ is stored locally on your device. You own this data. The developer has no access to your financial records, transactions, or personal information.

3. Security

Because your data is stored locally, the security of your information depends on the security of your device. We recommend using FaceID/TouchID and device passcodes to protect your information. The developer is not responsible for data loss due to device theft, hardware failure, or accidental deletion.

4. Limitation of Liability

FiQ is provided "as is" without any warranties. The app is a tool for personal financial tracking and should not be considered professional financial advice. The developer is not liable for any financial decisions or outcomes resulting from the use of the app.

5. Contact Us

If you have any questions or concerns about this Privacy Policy, please feel free to contact us: