HomeLedger ("the app", "we", "us") is a personal and household finance tracker provided by Joshy Joseph. This policy explains what information the app handles, how it is stored, and your choices.
1. Information the app handles
Financial and household data you enter
Accounts and balances, transactions, budgets, savings goals, recurring bills, receipt photos, household name, and the names/emails you add for household sharing. This data is:
- stored locally on your device using Apple's SwiftData, and
- synced to your own private iCloud database (Apple CloudKit) if you are signed into iCloud.
We (the developer) have no access to this data. It is not transmitted to or stored on any server we control. iCloud handling is governed by Apple's Privacy Policy.
Household sharing
If you invite someone to your household, the shared data is made available to that person through Apple's CloudKit sharing, under your control. You can stop sharing or remove participants through the iCloud sharing controls.
In-app purchase
HomeLedger Premium is a one-time purchase processed by Apple. Apple handles the transaction; we do not receive your payment details. Apple shares only whether the purchase succeeded.
2. What we do NOT collect
We do not use advertising, analytics, crash reporting, tracking, or any third-party SDK that sends your data to us or anyone else. The app does not contain ads and does not track you across apps or websites. We do not sell or share personal information.
3. Permissions
- Face ID / Touch ID (optional): used only on-device to unlock the app when you enable App Lock. Biometric data never leaves your device and is handled by iOS.
- Notifications (optional): used to remind you about upcoming bills.
- Photos: receipt images are chosen through the system photo picker; the app only receives the specific image you select.
4. Data retention and deletion
Your data remains on your device and in your iCloud account until you remove it. You can:
- delete individual records in the app,
- use Settings → Data → Erase All Data to permanently delete everything (this also removes it from your synced devices and shared members), or
- delete the app and remove its data from iCloud in your device's iCloud settings.
5. Your rights
Depending on where you live (e.g. GDPR in the EEA/UK, CCPA/CPRA in California), you may have rights to access, correct, or delete your personal data. Because we do not hold your data, you exercise these rights directly in the app and through your Apple ID. You may also contact us at the email below with any questions.
6. Children
HomeLedger is not directed to children and is intended for users 13 and older (or the minimum age required in your region). We do not knowingly collect personal information from children.
7. Security
Data is protected by your device's encryption and passcode, optional App Lock, and Apple's iCloud security. Your data is never sent to us.
8. International users
Your data is stored by Apple (iCloud), which may involve servers in other countries. Apple's handling is governed by Apple's privacy policy.
9. Changes to this policy
We may update this policy and will revise the "Last updated" date. Material changes will be reflected here.
10. Contact
Joshy Joseph
Email: jjoseph.joshy@gmail.com