Privacy Policy

Humble Ledger ("Humble Ledger," "we," "us") builds a careful, manual-first personal finance app. This policy explains what we collect, why, how we protect it, and the choices you have. We designed the product to collect as little as possible.

Our core privacy stance

Humble Ledger is manual-first. We do not connect to your bank, we do not use Plaid or any aggregator, and we never ask for your banking credentials. The financial information in the app is only what you choose to enter. We do not sell your data, and we do not use it for advertising.

Information we collect

Account information

• Your email address and (optionally) display name, used to create and secure your account.
• An identifier from your sign-in provider when you use Sign in with Apple or Google (we receive a token we verify; we do not receive your provider password).
• Your chosen home currency and basic preferences.

Financial data you enter

• Transactions, accounts and balance snapshots, categories, tags, budgets, and recurring rules that you create manually or import from a file you provide.

Subscription status

• Whether you have an active free trial, subscription, or lifetime purchase, and which plan, so the app can unlock paid features. Your purchase is made through the app store, and we receive your subscription state and an anonymous purchaser identifier, not your payment card details.

Technical data

• Limited operational logs (such as timestamps and error information) needed to run the service securely and reliably.
• Crash and error diagnostics, so we can find and fix problems. These reports contain technical details about what went wrong, not the contents of your ledger.

How we use your information

• To provide the app and sync your ledger across your devices.
• To authenticate you and keep your account secure.
• To send service email (for example, a magic sign-in link).
• To provide and manage paid subscriptions and purchases.
• To diagnose problems and improve reliability.

Subscriptions & payments

Humble Ledger offers a free trial, paid subscriptions, and a one-time purchase. Payments are processed by the Apple App Store or Google Play under their terms. We never see or store your payment card details. We use a subscription-management provider to tell the app whether your access is active; through it we receive your subscription state and an anonymous purchaser identifier, not your payment information.

Where your data is stored

Your data is held in a managed cloud database and processed on cloud infrastructure located in the United States. Data is encrypted in transit, and access tokens are stored only as hashes.

Service providers

We share data only with the providers that run the service, and only as needed to operate it:

• Cloud hosting and database providers, to store and serve your data.
• A transactional email provider, to send service email such as sign-in links.
• Apple and Google, only if you choose their sign-in, to verify your identity.
• The Apple App Store and Google Play, to process payments for subscriptions and purchases.
• A subscription-management provider, to tell the app whether your access is active.
• An error-monitoring provider, for crash and error diagnostics.

We can provide the specific providers we use on request; email us at the address below.

Data retention & deletion

We keep your data while your account is active. You can delete your account at any time from within the app, which signs you out on all your devices and removes your account and its data from the service. You can export everything as CSV or JSON first.

Your rights

Depending on where you live, you may have rights to access, correct, export, or delete your personal data. The app supports export and deletion directly; for anything else, contact us and we'll help.

Analytics & crash reporting

We use an error-monitoring provider to capture crash and error reports so we can fix problems; those reports are limited to diagnostic information about the failure. We do not use advertising trackers or third-party product-analytics profiles, and this website uses only what's necessary to function. If we ever add product analytics, we will use a privacy-respecting provider and update this policy first.

Children

Humble Ledger is not directed to children and is not intended for anyone under 16. We do not knowingly collect data from children.

International transfers

Our providers may process data in regions including the United States. Where required, we rely on appropriate safeguards for such transfers.

Changes to this policy

We may update this policy as the product evolves. We will post the revised version here and update the date above.

Contact

Questions about privacy? Email hello@humbleledger.com.