Privacy Policy

blyn (“the App”) is published by Xermio (“we”, “us”). This policy explains what we collect, why, and how you control it. It applies to the iOS app and related services at xermio.com/blyn.

Short version

• Your spending ledger is stored on your iPhone by default (local-first).
• An account is optional. You only sign in when you use Coach or cloud chat backup.
• Coach sends a snapshot of your money context to our servers so the AI can answer. We do not sell your data.
• Subscriptions are processed by Apple. We do not see your full card number.

Data on your device

Transactions, budgets, goals, categories, themes, and local chat history are stored on your device using Apple’s on-device storage. We cannot read that data unless you choose a Pro feature that uploads it.

Account (optional)

If you sign in with Apple or email, we store an account identifier and, when you share it, an email address. We use this to authenticate you, apply your Pro plan, and (if enabled) back up Coach conversations.

Sign in with Apple may hide your email behind a private relay address. That is controlled by Apple.

AI money coach

When you use Coach, the App sends your message and a compact money context (budgets, recent spending summaries, categories, and similar figures you already entered) to our backend. We use a third-party AI provider (currently OpenAI) to generate a reply. Messages are processed to provide the feature and to enforce fair use / abuse limits.

Do not send passwords, government IDs, or data unrelated to your own budgeting. Coach is not a licensed financial advisor.

Cloud backup

If you turn on cloud backup while on Pro, Coach conversations may be stored on our servers under your account so they are not lost when you change devices. Your full transaction ledger may remain on-device until we ship ledger sync; the App will describe what is backed up in Settings.

Purchases

Subscriptions and restores go through Apple In-App Purchase. We use RevenueCat to validate entitlements. Apple’s privacy policy applies to payment processing. We receive subscription status (e.g. Pro active or not), not your full payment card details.

Analytics and crash data

We may receive basic operational logs from our servers (e.g. that a Coach request failed) to keep the service working. We do not sell advertising profiles based on your spending.

Children

blyn is not directed at children under 13. Do not use the App if you are under 13.

Your choices

• Use the App without an account for local tracking.
• Sign out or delete the App to remove local data from that device.
• Delete your account in the app (More → Account → Delete account) to remove server-side account data. Or email support@xermio.com.
• Manage or cancel subscriptions in iOS Settings → Subscriptions.

Contact

Questions or deletion requests: support@xermio.com · Support

Changes

We may update this policy. The “Last updated” date at the top will change. Continued use after an update means you accept the revised policy.