Wealth Atlas
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    Privacy Policy

    Effective September 29, 2026 · Applies to Wealth Atlas for iPhone

    No bank loginWe never ask for bank credentials and never connect to your bank.
    Your records, your devicesYour financial records are stored on your iPhone and in your own private iCloud. We keep no copy.
    No ads, no data sellingWe never sell your data or use it for advertising.

    1. Who we are

    Wealth Atlas is an iPhone app made by Felix Kariuki, an independent developer ("we", "us"). We are responsible for the processing described in this policy. You can reach us at felix.kariuki@icloud.com.

    2. How your financial records are protected

    The information you enter, such as account names, balances, goals, recurring rules and your base currency, is stored on your iPhone using Apple's on-device database. Your iPhone encrypts it whenever your device is locked with a passcode, Face ID or Touch ID.

    If iCloud is turned on for Wealth Atlas, your records are also kept in your own private iCloud database so they appear on a new or restored iPhone. That database belongs to your Apple Account. We cannot access it, and Apple protects it under its own privacy policy. Backups you create in Settings are saved to your device or your iCloud Drive, which you control.

    We do not operate servers that store your financial records, and we never have a copy of your balances.

    3. What we do not collect

    4. AI features

    The AI financial brief, the monthly report summary and Ask Wealth Atlas are optional Premium features. When you use one, the app sends a summary of the relevant figures to Google's Gemini API to generate the text you see. The summary can include totals, percentages and the names you gave your accounts and goals. It does not include your name, email or any bank details. Nothing is sent unless you open or use these features, and we do not store the requests or answers on any server of ours.

    5. Services that keep the app running

    Wealth Atlas does not use analytics or usage tracking inside the app. A few trusted service providers handle the parts we can't do on your iPhone alone, and they process only the limited data needed, on our behalf:

    If you allow tracking in Apple's App Tracking Transparency prompt, we share app install and purchase events with advertising partners to measure how our ads perform. No financial information is ever shared, and you can change this at any time in iPhone Settings > Privacy & Security > Tracking.

    We do not sell personal information.

    6. Your choices and rights

    Depending on where you live, including the European Economic Area, the United Kingdom, Brazil and California, you may have the right to access, correct, delete or port personal data, and to object to or restrict processing. Email us to exercise these rights and we will respond within the time required by law. You can also contact your local data protection authority.

    7. Retention

    Your financial records stay on your devices and in your iCloud until you delete them. Subscription and ad measurement data is kept by our service providers only as long as needed for the purposes described, after which it is deleted or anonymized. Support emails are kept for as long as needed to help you.

    8. Children

    Wealth Atlas is not directed at children under 13. We do not collect contact details or build profiles of the people who use the app. If a child under 13 has emailed us, contact us and we will delete those emails.

    9. Changes

    We will update this page if our practices change and revise the effective date above. For significant changes we will also let you know in the app.

    10. Contact

    Questions or requests: felix.kariuki@icloud.com