Privacy Policy
Centwise is made by Cassian Vire, the publishing name of Amangeldy Baiserkeev, an individual developer (“I”, “me”). This policy explains what the app does with your data. Money is personal, so the app is built to keep your finances with you.
Contact: support@cassianvire.com
The short version
Centwise has no accounts, no advertising and no tracking. Your accounts, transactions, budgets and notes are stored on your device and, if you use iCloud, in your private iCloud account. I cannot see them. AI features run on your device when possible; server AI is used only after you agree in the app, and nothing sent to it is stored. To sell Centwise Pro, the app uses Apple’s App Store and the Adapty subscription service, which receive a random app identifier and your purchase history, never your financial data.
What you enter and where it is stored
- your accounts and their balances;
- income, expenses and transfers you record, with amount, currency, category, date and notes;
- budgets, categories and your settings.
This data is stored on your device. If iCloud is turned on for your Apple Account, it is also synced through your private iCloud database (CloudKit), so it appears on your other devices and survives reinstalling the app. iCloud data is handled by Apple under Apple’s privacy policy; I cannot access it.
AI features
Entering a transaction by typing or speaking a phrase uses Apple Intelligence on your device when it is available; nothing leaves your iPhone. For voice entry the app asks for access to the microphone and speech recognition; your voice is turned into text on your device and the audio is not stored.
Server AI is used only after you allow it in the app (you can turn it off in Settings): on iPhones without Apple Intelligence, the phrase you enter is read by my server (up to 10 phrases a day for free), and with Centwise Pro, the receipt photo you choose is read the same way. The request goes over an encrypted connection to my server and to Anthropic’s Claude API. What is sent: the phrase or the receipt photo, your currency and your category names. Nothing is stored on my server except a random identifier and a counter used for daily limits, and Anthropic does not use API data to train its models.
Exchange rates
To convert between currencies the app downloads exchange rates from public rate services (exchangerate-api.com for currencies and CoinGecko for crypto). Only currency codes are requested; your amounts and transactions are never sent.
Purchases and subscriptions
Centwise Pro is sold through Apple’s App Store. Apple processes the payment; I never see your name, payment details or Apple Account.
The app uses Adapty (adapty.io), a subscription management service, to show the Centwise Pro offer and to check whether your purchase is active. For this, Adapty receives a random identifier created by the app, your purchase and subscription history for Centwise, basic device and app information (device model, system version, app version, language, region) and your IP address, and when the Pro screen is shown. Adapty never receives your financial data. See Adapty’s privacy policy.
Exports
A CSV export is created on your device and goes only where you choose to send or save it.
What is not collected
Centwise does not connect to your bank, does not collect your name, email, contacts or location, and has no advertising tools. The app does not ask to track you.
Your choices
- Delete individual entries or accounts in the app at any time.
- Deleting the app removes data on that device. To also remove synced data, delete Centwise’s data in iPhone Settings → your name → iCloud → Manage Account Storage.
- Server AI can be turned off in the app’s Settings.
- To ask about purchase data held by Adapty, write to support@cassianvire.com with the purchase date.
Not financial advice
Centwise is a personal budgeting tool. Summaries and suggestions are based only on what you enter and are not financial, tax or investment advice.
Children
The app is not directed at children and does not knowingly collect personal data from them.
Changes
If this policy changes, the new version will be published on this page with a new date.
Contact
Questions about privacy: support@cassianvire.com