Introduction
Welcome to MintAi's Privacy Policy. This document explains how we collect, use, store, and protect your personal information when you use our expense tracking application. Your privacy is important to us, and we are committed to protecting your personal information and being transparent about our data practices.
Our Privacy-First Approach: We believe in radical transparency and user control. No personal data is stored on any server accessible by the developer. Your financial data remains exclusively in your personal iCloud account, ensuring maximum privacy and security.
Effective Date: 1 Aug 2025
Information We Collect
We collect the following types of information to provide you with our expense tracking services:
Transaction Data: Transaction amounts, dates, descriptions, and any categories or labels you create
Voice Data: Voice recordings processed primarily on-device with optional cloud processing for enhanced accuracy (temporary processing only, no permanent storage)
Usage Information: App interactions and feature usage (stored locally only)
Device Information: Device type and operating system version for app functionality (not stored on our servers)
Data Storage and Security
Local Storage: All your personal data is stored securely in your personal iCloud account via Apple CloudKit
Zero Server Storage: Absolutely no personal or financial data is stored on servers accessible by MintAi developers
End-to-End Privacy: Your data travels directly from your device to your personal iCloud, bypassing our servers entirely
Encryption: All data transmission uses industry-standard HTTPS encryption
Tracking and Analytics
No Cross-App Tracking: We do not track you across other apps or websites for advertising purposes. We do not collect data for advertising or share your data with advertising networks or data brokers.
Data Sharing and Third-Party Commitments
🔒 Privacy Guarantee: We have zero access to your financial data. It never leaves your personal iCloud ecosystem.
Zero Data Sales: We never sell, rent, or monetize your personal information in any way
Verified Third-Party Policies: OpenAI has contractually committed to no-storage and no-training data usage policies (
View OpenAI Privacy Policy)
Minimal Data Transmission: Only voice audio (not financial data) may temporarily transit through secure APIs for transcription
Legal Compliance: We may disclose information only if required by law, but we cannot access your financial data to disclose it
How We Use Your Information
We use the information we collect solely to provide and improve our expense tracking services:
App Functionality: Display and organize your expense data within the app
Voice Processing: Convert voice input to text for expense entries (processed locally or via secure connection)
Service Improvement: Improve app performance and user experience (no personal data analysis)
Data Retention and Complete Deletion Rights
Complete Data Control: Unlike many apps, you have absolute control over your data. We cannot access it, and we cannot prevent you from deleting it.
Immediate User Control: All data is under your direct control via your personal iCloud account - delete instantly without requesting permission
Guaranteed Deletion: When you delete data, it's permanently removed from your iCloud with no recovery possible by MintAI
Third-Party Data Purging: Any temporary processing data (voice transcription) is automatically purged within 30 days maximum
No Hidden Backups: We do not maintain any backup copies of your data on our systems or with third parties
Children's Privacy
Our app is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately at support@mintai.money.
Third-Party Services
We use the following third-party services that may process your data:
Apple CloudKit: Data storage in your personal iCloud account (governed by Apple's privacy policy)
AI Processing Services: OpenAI API for voice transcription (confirmed no data storage policy, not used for model training, 30-day maximum retention) -
OpenAI Privacy Policy
Your Enhanced Privacy Rights
Beyond GDPR Compliance: We go far beyond legal requirements to ensure your privacy rights are not just protected, but maximized.
Real-Time Access: View, edit, and manage all your data instantly within the app - no waiting periods or approval processes
Instant Deletion: Delete any or all data immediately - no "right to be forgotten" requests needed
Complete Portability: Export all data in standard formats (JSON, CSV) - your data is never locked in
Granular Control: Enable/disable any data processing feature independently - voice processing, analytics, etc.
Data Minimization Rights: We only process the absolute minimum data necessary for app functionality
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date. We encourage you to review this Privacy Policy periodically for any changes.
Security Measures and Transparency
Open Architecture: Our privacy-first design is built into the app's core architecture, not added as an afterthought.
End-to-End Encryption: All data transmission uses military-grade AES encryption and TLS 1.3
Zero Knowledge Architecture: Technical impossibility for MintAi staff to access your financial data
Apple Security Standards: Inherits all CloudKit security measures including two-factor authentication and device-level encryption
Regular Security Audits: Third-party security assessments and penetration testing (results available on request)
Privacy Officer Contact
For privacy-related questions, data requests, or security concerns, contact our dedicated Privacy Officer:support@mintai.money
Response Time Commitment: All privacy inquiries will receive a response within 24 hours, with resolution within 72 hours for complex requests.
Legal Basis and Jurisdiction
Governing Law: This Privacy Policy is governed by the laws of India
Jurisdiction: Any disputes will be resolved in the courts of India
Compliance: We comply with applicable privacy laws including India's Personal Data Protection Act and international privacy standards