Privacy Policy — Settle

Effective date: September 2, 2026

Settle is a personal finance tracker. Your accounts, categories, transactions, transfers and recurring rules are stored on your device, in a local database. There is no Settle account, no Settle server, and no copy of your finances held by us. We cannot see your data.

What leaves your device

Settle connects to exactly three things. Two of them only happen if you choose them.

1. Exchange rates — always

Settle fetches public exchange rates from open.er-api.com. This request contains nothing about you: no identifier, no amounts, no account details. It asks for today's rates and nothing else. As with any internet request, the rate provider may see your device's IP address; that is standard for network connections and is handled under that provider's own privacy policy.

2. monobank — only if you connect it

Bank sync is optional and part of the Pro subscription. If you turn it on:

• Your monobank API token is stored in your device's secure storage (Keychain on iOS, Keystore on Android). It is sent only to monobank's own servers (api.monobank.ua), to authorise your requests. It is never sent to us, never included in an export or backup file, and never written to a log. Disconnecting deletes it.
• Settle asks monobank for your list of cards and jars, and for their statements. Those transactions are stored on your device like any others.
• Settle deliberately does not read or store the name or customer id on your monobank profile, even though monobank returns them.

monobank is your own bank, and this connection is between your device and them. What they do with your data is covered by monobank's own privacy policy.

3. Purchases — only if you subscribe

Settle Pro is sold through the App Store or Google Play, and subscription status is checked through RevenueCat. RevenueCat receives:

• an anonymous identifier generated on your device — it is not your name, email or any account you hold with us, because there is no such account;
• the purchase receipt from the store, and basic device and platform information.

RevenueCat never receives your financial data, your transactions, or your bank token. It is used solely to tell the app whether your subscription is active.

Backups

• On iOS, restore points are copied to your own iCloud Drive, under your Apple Account. They go to Apple, not to us, and only you can read them.
• On Android, the system's own backup includes Settle's database, under your Google Account. The restore points folder and your saved bank token are deliberately excluded from it.
• Export files go only where you send them. Settle does not upload them anywhere.

What Settle never does

• No analytics, no usage tracking, no advertising, and no third-party trackers of any kind.
• No crash or diagnostics reporting.
• Nothing is sold or shared with anyone.

Deleting your data

Erasing all data in Settings removes your local database, your saved bank token and the app's copies in iCloud. Deleting the app removes everything stored on the device. To cancel a subscription, use the App Store or Google Play — deleting the app does not cancel it.

Children's privacy

Settle is not directed at children and does not knowingly collect anything from them.

Changes to this policy

If this policy changes, the updated version will be posted at this URL with a new effective date.

Contact

Questions about this policy? Contact settle.support@gmail.com.