Privacy Policy
Effective November 4, 2026
Income with Intent is a budgeting app operated by Income with Intent LLC ("we", "us"). This policy explains what information we collect, where it goes, how long we keep it and the choices you have. It is part of our Terms of Use.
In short: your budget lives on your phone. We keep an encrypted backup so a new phone can pick up where you left off. We don't sell your information, show ads, or use tracking or analytics tools. The app never moves money.
What stays on your phone
Your budget is stored on your device: accounts you add, transactions, categories, bills, paychecks, plans, goals, debts and notes. Bank statements you import (PDF) are read on your phone and never uploaded to us.
What we collect
Your account
- Email address, to sign you in with a one-time code. Codes are stored only as a one-way hash and expire after 10 minutes.
- Budget backup. While you're signed in, a copy of your budget is saved to your account a few seconds after each change. It is compressed and encrypted on our server with our encryption key. Sample data is never backed up.
- Agreement records: which versions of these terms and this policy you agreed to, and when.
Your phone
- A random identifier for each install of the app, with a one-way hash of its key, and when it last connected.
- If you allow notifications, the notification address Apple or Google gives your phone.
Bank connections (Plus and Premium)
- When you connect a bank through Plaid, we keep Plaid's access key for that connection, encrypted, plus the bank's name and the connection's status.
- New transactions and balances pass through our server to your phone. We don't store them on the server.
- We never see or store your bank username or password. You enter those with Plaid.
Feedback and error reports
- When you send feedback, we receive your message, your account email (so we can reply), the app version and the type of phone.
- If the app runs into an error, it sends us a short technical report: the error message, where in the app it happened, the app version and the type of phone. Reports never include your budget.
AI usage records
- For each AI request (Pro), we record which feature it was, the AI model, its size in tokens, its estimated cost and when it happened, so we can keep AI use within limits. We never record what was asked or answered.
What we don't collect: your name, location, contacts, photos, advertising identifiers or browsing activity. We don't use cookies, analytics or ad trackers.
How we use it
- To run the app: sign you in, back up and restore your budget, sync connected banks and send the notifications you turn on.
- To check what your subscription includes.
- To provide the AI features in Pro (see below).
- To answer your feedback and fix problems.
- To keep the service secure, and to contact you about your account or changes to this policy.
AI features (Pro)
Our server sends these details to Anthropic, our AI provider, only for the feature that needs them:
- AI plans (monthly and paycheck plans, when you ask for one): your income or paycheck amount and pay dates; your bills (name, amount, due date and category); your spending categories with typical spending and planned or suggested amounts; your goals (name, amount, amount saved, target date); amounts you've fixed yourself; and the note you wrote for the planner.
- Category suggestions (when you sort transactions from places the app doesn't recognize yet): the description and amount of those uncategorized transactions, with long numbers such as card numbers hidden except the last 4 digits, and the names of your categories. Each place is asked about once. Nothing is changed until you choose a category yourself.
- Daily tips (at most once a day): this month's totals (spent, planned, days left, projected total), your top categories with their planned and spent amounts, and what you'd spent by the same point last month.
We don't send your email address, your accounts, or the dates of your transactions. Bank statements you import are read on your phone and are never sent to us or the AI. We don't keep requests or answers after they come back; we keep only the usage records described above. Anthropic processes requests under its commercial terms and privacy policy. Please don't put details you'd rather not share in your planner note. AI features are suggestions to help you plan, not financial advice. The app's "How AI uses your data" screen shows the same list.
Who we share information with
We don't sell your personal information or share it for advertising. We share it only with service providers that run parts of the app, only for that purpose:
- Plaid: connects your bank, if you choose to.
- Anthropic: the AI features in Pro, as described above.
- RevenueCat, with Apple, Google or Stripe: subscriptions. They know your subscription by a random account identifier, and payments are handled by the store you buy through. We never see your card details.
- Apple and Google: deliver the notifications you turn on. A "You were paid" notification includes the paycheck amount.
- Resend: sends sign-in codes, and delivers your feedback and error reports to us.
- Railway: hosts our server and its database.
We may also disclose information when the law requires it, or to protect the safety and rights of our users or others. If our business is sold or merged, this policy keeps applying to your information.
How we protect it
- All traffic between the app and our server is encrypted (HTTPS).
- Budget backups and bank access keys are encrypted at rest. Sign-in codes and device keys are stored only as one-way hashes.
- Every request is checked against the phone's key, so one account can't reach another's data.
No system is perfectly secure. If we learn of a breach affecting your information, we'll tell you as the law requires.
How long we keep it
- Your account, backup and agreement records: until you delete your account.
- Bank connections: until you disconnect the bank or delete your account. If a subscription that includes banks ends, its banks are disconnected 14 days later.
- Sign-in codes: 10 minutes, or until used.
- AI usage records: 90 days, or until you delete your account.
- Feedback and error reports: in our email for up to 12 months, and in our hosting provider's logs for its standard log period.
Your choices and rights
- Delete your account any time in the app (Accounts tab, Delete account). This disconnects your banks and erases your account, backup and agreement records. A subscription is cancelled separately in your App Store or Google Play settings.
- Erase your phone's copy by signing out, or with Erase everything on this device if you never signed in.
- See and correct everything in your budget in the app at any time.
- Turn off notifications in your phone's settings, disconnect banks, or plan by hand without AI.
Depending on where you live, you may have more rights, such as asking for a copy of your information or objecting to some uses. Contact us at support@incomewithintent.com to use any of them. We won't treat you differently for doing so.
Children
Income with Intent is for people 18 and older. We don't knowingly collect information from children under 13. If you think a child has given us information, contact us and we'll delete it.
Changes to this policy
If we change this policy, we'll update the date above and ask you to agree to the new version in the app before you continue.
Contact us
Income with Intent LLC
Montana, United States
support@incomewithintent.com