Privacy Policy

Our Core Principle

Your data belongs to you. Our tools are built so that we never see your personal or financial information and never ask for it. Nothing leaves your device unless you explicitly choose to export it. This is a fundamental design decision, not an optional setting.

What Beacon Budget Collects

• Nothing by default. The app runs entirely locally using SwiftData on your Mac. No accounts are created with us. No telemetry or analytics are sent.
• Optional email scanning: If you choose to connect your email for transaction import, credentials are stored only in the macOS Keychain (device-only). We never see or transmit them.
• Optional market data: Ticker symbols only are sent to Yahoo Finance for price quotes. No account data or balances ever leave.
• Optional AI features (future): When enabled, only anonymized, aggregated summaries are sent. Raw transactions, balances, institution names, and personal details stay on your device.

What We Do Not Do

• We do not track your activity inside the tool
• We do not collect or receive your financial data
• We do not build profiles or sell user information
• We do not require accounts or data uploads
• We do not have access to the records you work with

Subscriptions & the Web

When you subscribe to Premium directly on our website (the path we prefer), we process payment through standard secure processors. We store only the minimal information needed to manage your subscription and provide support. We do not receive or store the detailed financial data inside your Beacon Budget app.

Your Rights

You own your data. You can delete everything from within the app at any time. Because we don't have your data on our servers, there is very little we can "hand over" even if compelled. We design the product this way on purpose.

Why We Work This Way

We believe the information people use in our tools remains their own. Good software should not ask users to give up control of their data. We design with that responsibility from the beginning.