^Peak Savings← Home

Privacy Policy

Effective 30 June 2026 · Peak Savings (iOS)

We collect nothing. None of your data, ever. Peak Savings has no servers, no accounts, and no tracking. Your bank statements are read on your iPhone and never leave it. We have no way to see your financial information — there is nothing on our side that receives it.

1. We do not collect any information — at all

We want to be completely unambiguous: Peak Savings does not collect, receive, store, transmit, sell, or share any of your information. There is no exception hidden further down this page. In plain terms:

No bank statements or transactions. The PDFs you import, and everything derived from them (categories, totals, merchants), are read and stored only on your device. They are never uploaded — not to us, not to anyone.
No account, no login. There is nothing to sign up for, and we never ask for your online-banking credentials.
No logging, no tracking, no analytics. We do not record what you do in the app or measure your spending or behaviour.
No advertising. No ads, no ad networks, no data brokers.
No servers, no cloud. Peak Savings has no backend that could receive your data, because there is none. Nothing is synced to us. Delete the app and its data is gone with it.

2. The only way anything leaves your phone is if you send it yourself

The app never transmits anything on its own. It includes a few optional actions that, when you tap them, hand information to iOS's standard Share sheet so that you can send it wherever you choose. Even then, it does not go to a Peak Savings server — we don't have one:

Diagnostics / recognition stats. If you want to help with the test, you can choose to share a diagnostics report, or an anonymous, counts-only recognition summary (percentages and totals — never merchant names, amounts, dates, or any statement text). You decide whether to send it, and where.
Emailing us. If you email hello@peaksavings.app, we will of course see your email address and your message — that is ordinary correspondence you start, not something the app collects.

None of this happens automatically or in the background. If you never tap "share" and never email us, nothing about you ever reaches us.

3. How your data is stored

App data lives in Peak Savings' private storage on your iPhone. Deleting the app deletes its data with it. If you use iCloud device backups, your iPhone backup is governed by Apple's iCloud terms, not by us.

4. Apple's App Store / TestFlight (not us)

Peak Savings is distributed through Apple's App Store and TestFlight, so Apple — separately from us — may collect some information under Apple's own privacy policy (for example, crash logs and basic TestFlight usage). That is Apple's processing, which we do not control and which still sends nothing to us. Apart from Apple's distribution platform, Peak Savings uses no third-party analytics, advertising, SDKs, or data brokers of any kind.

5. Children

Peak Savings is not directed at children under 13 and we do not knowingly collect information from them.

6. Your choices

Because your data stays on your device, you are in control: you can remove all imported data from inside the app at any time, and uninstalling removes everything.

7. Changes

If this policy changes we will update this page and the effective date above.

8. Contact

Questions about privacy? Email hello@peaksavings.app.

Peak Savings is currently a free, private test build for Hong Kong (HSBC Hong Kong statements). This document is provided in good faith and in plain language; it is not legal advice. Please review it against your own requirements before public release.