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Privacy Policy

Last updated: July 2026

At Qashly Ltd, we take your privacy seriously. This Privacy Policy explains how our offline-first personal finance app handles your information. Two principles run through it. Your financial data stays on your device, and Qashly Ltd never receives a copy of it. The one exception is the optional AI features — voice, chat and receipt scanning — which cannot work without sending some of your data to OpenAI. Section 4 sets out exactly what those features send. If you never turn them on, nothing financial ever leaves your device.

1. Information We Collect

Data Stored Locally on Your Device:

  • Financial Information: Transactions, budgets, goals, investments, bills, loans, and subscriptions
  • Account Information: Multiple wallets and projects you create
  • Categories & Tags: Custom categories and tags for organizing transactions
  • Settings & Preferences: Currency selection, notification preferences, app themes
  • User Profile: Email address and password (stored locally with encryption)

Optional Cloud Services (Only When You Choose):

  • AI Assistant (voice and chat): Your message or speech, plus the names of your wallets and categories and your currency, are sent to OpenAI. To answer questions about your money the assistant also retrieves the specific figures it needs — balances, and matching transactions with their amounts, dates, descriptions and categories — and those are sent too.
  • Receipt Scanning: The photo you scan and your category names are sent to OpenAI.
  • Subscription Payments: Payment information is processed by Stripe (we never store card details)
  • License Verification: License keys are verified with our server

2. How We Use Information

On-Device Processing:

All core app functionality operates entirely offline:

  • Transaction management and categorization
  • Budget tracking and financial analytics
  • Goal progress monitoring
  • Investment portfolio tracking
  • Bill and subscription management
  • Tax calculations and planning
  • Report generation and insights

Optional Online Features:

When you explicitly choose to use online features:

  • AI assistant (voice and chat) for answering questions about your money and making changes you ask for
  • AI receipt and document scanning for creating transactions
  • Currency exchange rate updates
  • Subscription status verification
  • License key validation

The AI features send data to OpenAI to work. Section 4 lists exactly what.

3. Data Storage & Security

  • 100% Local Storage: All your financial data is stored on your device
  • No Cloud Backup: We do not automatically backup or sync your data to any cloud service
  • Device Security: Your data is protected by your device's security features
  • Password Protection: App access can be secured with PIN protection
  • Data Isolation: Each project's data is completely separated

4. Data Sharing

Qashly Ltd never receives your financial data. It is not uploaded to us, we hold no copy of it, and we cannot read it.

That is not the same as saying it never leaves your device. When you choose to use an optional feature, data is shared with that provider:

  • OpenAI — the AI assistant (voice and chat) and receipt scanning. Every AI request includes your wallet names, category names and currency. Alongside it goes whatever you asked: your typed message, your recorded speech, or the photo you scanned. When answering a question needs real figures, the assistant retrieves them and sends those too — account balances, and transactions with their amounts, dates, descriptions and categories.

OpenAI stores these requests on their servers so that a conversation can continue across messages. They do not use data sent through their API to train their models. Their handling is governed by their own privacy policy at openai.com/privacy.

  • Stripe — payment information for premium subscriptions.
  • Currency API — anonymous requests for exchange rates. No personal data.

The AI features are off until you turn them on. Before your first use of voice, chat or scanning we ask for your consent and explain what will be sent. You can withdraw that consent at any time in Settings, which stops any further data being sent. Withdrawing does not delete requests OpenAI has already received; to ask for those to be removed, contact us and we will make the request on your behalf.

5. Location Information

  • We detect your region using device locale settings only
  • No GPS or location permissions are ever requested
  • Region detection is used solely for currency defaults
  • This information is never transmitted from your device

6. Your Rights & Control

You have complete control over your data:

  • Access: View all your data directly in the app
  • Modify: Edit or delete any data at any time
  • Delete Everything: Clear all app data or delete your account instantly
  • Guest Mode: Try the app with demo data without creating an account

7. Children's Privacy

Qashly is not intended for use by children under 18. We do not knowingly collect information from children. Since all data is stored locally, parents can monitor and control app usage through device-level parental controls.

8. Data Retention

  • Your data remains on your device until you delete it
  • Uninstalling the app will remove all local data
  • Guest mode data can be cleared at any time
  • No data is retained on our servers (we don't have access to it)

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected in the app with an updated "Last Updated" date. Continued use of the app after changes constitutes acceptance of the updated policy.

10. Third-Party Services

Optional third-party services used by Qashly:

  • OpenAI: Powers the AI assistant and receipt scanning. Receives and stores your wallet and category names, your messages or speech, scanned images, and the balances and transaction details needed to answer what you asked. Used only when you turn the AI features on. (Privacy Policy: openai.com/privacy)
  • Stripe: Payment processing (Privacy Policy: stripe.com/privacy)
  • Free Currency API: Exchange rates (no personal data shared)

11. International Users

Qashly is available worldwide. Since your data is stored locally on your device, it remains under your jurisdiction and is subject to your local privacy laws. Optional online features comply with GDPR and other international privacy regulations.

12. Contact Us

If you have questions about this Privacy Policy or how Qashly handles your information, please contact us:

Qashly Ltd

Email: support@qashly.co.uk

Website: www.qashly.co.uk

Instagram: @qashly_personal_finance

Your privacy is protected by design. With Qashly's offline-first architecture, your financial data stays exactly where it should be - with you.