Privacy Policy

1. Introduction

Your Home Accounts ("we", "our", "us") is committed to protecting your privacy and ensuring that your personal information remains secure.

This Privacy Policy explains how the Your Home Accounts application for iPhone, iPad and macOS collects, uses, stores and protects information when you use the app and associated services.

By using Your Home Accounts, you agree to the practices described in this Privacy Policy.

2. Information We Collect

Information stored within the app

Your Home Accounts is designed as a personal finance management application. The information you choose to enter may include:

• Financial account information
• Transaction records
• Budget data
• Reports and spending categories
• Savings, loan and mortgage information
• Investment holdings
• Subscription information
• Insurance policy information
• Documents uploaded to the Document Vault
• Receipt images and OCR-generated transaction data

This information is stored on your devices and in your personal iCloud account when synchronisation is enabled.

Analytics information

We use Apple's App Analytics and related Apple-provided diagnostic services to better understand app performance and usage.

These analytics are provided by Apple in aggregated and anonymised form and are used to:

• Improve application performance
• Identify crashes and stability issues
• Understand feature usage trends
• Improve the user experience

We do not use third-party advertising analytics providers.

3. Information We Do Not Collect

We do not:

• Require users to create an account
• Collect names, addresses or telephone numbers
• Collect financial account credentials
• Operate our own data collection servers
• Review or monitor the contents of uploaded documents
• Review or monitor receipt images
• Read, analyse or process your financial data on our servers
• Sell personal information
• Share personal information with advertisers
• Track users across third-party apps or websites

4. How Your Data is Stored

Your financial information is stored locally on your device.

If iCloud synchronisation is enabled, app data is stored within Apple's CloudKit service and synchronised between devices signed into the same Apple ID. This allows your data to be available across your compatible iPhone, iPad and Mac devices.

Your Home Accounts does not have access to your iCloud account credentials.

5. Receipt Scanning and Document Storage

The app includes receipt scanning functionality using Apple's on-device technologies.

Receipt recognition and text extraction are performed locally on your device. Receipt images and scanned data are not transmitted to Your Home Accounts for processing.

Documents uploaded to the Document Vault remain stored within your local device storage and/or personal iCloud storage associated with your Apple account. We do not inspect, review or analyse uploaded documents.

6. Permissions

Depending on which features you use, the app may request access to:

• Camera — Used to scan receipts and capture document images.
• Photos — Used when selecting receipt images or documents already stored in your photo library.
• Face ID / Touch ID — Used to securely unlock the application when App Lock is enabled. Biometric information is managed entirely by Apple and is never accessible to Your Home Accounts.
• iCloud — Used to synchronise app data through Apple's CloudKit service between your devices.

7. Payments

Your Home Accounts is available as a one-time purchase through Apple's App Store — there is no subscription and no recurring charge.

All payment processing is handled exclusively by Apple.

We do not receive or store your payment card details.

For information about how Apple processes payment information, please refer to Apple's privacy policy.

8. Security

We take reasonable measures to protect information stored within the application.

Security features may include:

• Password protection
• Face ID authentication
• Touch ID authentication
• Secure Apple platform protections
• iCloud security provided by Apple

Users are responsible for maintaining the security of their devices, Apple IDs and device passcodes.

9. Data Retention

Your data remains stored until you choose to remove it. You may delete the following directly within the application at any time:

• Transactions
• Accounts
• Documents
• Budgets
• Other financial records

If app data is synchronised using iCloud, deletion actions may also be reflected across your connected devices.

10. Your Rights

If you are located in the United Kingdom, European Economic Area or another jurisdiction providing privacy rights, you may have rights relating to your personal information, including:

• Access
• Correction
• Deletion
• Restriction of processing
• Objection to processing

Because we generally do not collect or store user data on our own servers, many of these rights can be exercised directly through the application by managing or deleting your data.

For privacy questions, contact: privacy@yourhomeaccounts.co.uk

11. Children's Privacy

Your Home Accounts is not specifically directed at children under the age of 13.

We do not knowingly collect personal information from children.

If you believe a child has provided personal information to us, please contact us using the details above.

12. Third-Party Services

The app relies on services provided by Apple, including:

• Apple App Store
• Apple App Analytics
• Apple CloudKit
• Apple iCloud
• Face ID and Touch ID services

Use of these services is subject to Apple's own terms and privacy practices.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any updates will be made available through our website and, where appropriate, through the application.

The "Effective Date" at the top of this policy will indicate the most recent revision.

14. Cookies and Local Storage

This website (www.yourhomeaccounts.co.uk) uses a small number of cookies and browser local storage — separate from the app's on-device data described above.

• Necessary: a local storage entry that remembers the cookie choice you make, so we don't ask you again on every page. This cannot be switched off, as the site cannot function correctly without it.
• Analytics: optional, off by default. If enabled, we use aggregated analytics to understand how visitors use the website, so we can improve it. No analytics run until you opt in.

You can change your choice at any time using the "Cookie Preferences" link in the footer of any page. Your choice applies across the whole website, since it is stored once per browser and read on every page.

We do not use third-party advertising cookies, and we do not sell or share cookie data with third parties.

15. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact: