Wallet Hub
Effective date: July 20, 2026
1) Introduction
Wallet Hub is a local-first money management app. This policy explains how user data is handled and protected.
2) Data Collection Overview
Core financial data stays on the device during normal use.
- No ads.
- No selling user data.
- No unnecessary tracking.
3) User Data (On-Device Data)
- Transactions, categories, budgets, subscriptions, reminders, and preferences.
- Payment source references (for example, masked references such as last 4 digits when needed).
4) Authentication Data
Sign-in is local-first. You can create an email account that is stored and verified entirely on your device, or use Sign in with Apple. With Sign in with Apple, Apple shares your name and email with your consent and Wallet Hub keeps them on-device only. There is no Wallet Hub account server — no email, name, or password is sent to Wallet Hub, and no banking credentials are collected.
5) Data We Do NOT Collect
- No iOS SMS inbox access.
- No background SMS monitoring on iOS.
- No full card numbers.
- No banking credentials.
6) How Data Is Used
Data is used to manage and organize income, expenses, transfers, subscriptions, analytics, and export features.
7) Data Storage
Core data is stored locally on-device. In normal usage, financial data is not sent outside the device.
8) Data Security
Wallet Hub supports optional Face ID/app lock and relies on iOS/Android security protections, including device-level encryption when enabled.
9) Third-Party Services
Wallet Hub uses Apple platform services only (Sign in with Apple, in-app purchases, and local notifications). There is no third-party authentication backend — no Supabase, no Google, and no other cloud sign-in. No financial data is shared with any third party.
10) Subscriptions & Payments
Subscription billing is handled by Apple through App Store and Apple account settings.
11) Analytics
Wallet Hub does not include ad SDKs and does not use user tracking for advertising.
12) User Control
Users can edit, delete, export, and organize their data directly in the app.
13) Data Retention
Data remains on-device until edited, deleted, or removed with app/device data.
14) Children’s Privacy
Wallet Hub is not directed to children under 13.
15) Changes to This Privacy Policy
Policy text may be updated over time. The effective date indicates the current version.
16) Contact Information
Email: info.wallethub@gmail.com