Privacy Policy

Summary

SnapFolio collects nothing about your finances. There is no account, no server, and no telemetry. Everything you enter into the App stays on your device, inside SnapFolio's private app storage. Anything that leaves the device only does so because you explicitly initiated an export.

The single exception is the optional SnapFolio Pro in-app purchase: payments are processed by the Apple App Store or Google Play, and purchase validation is handled through our purchase-infrastructure provider RevenueCat using a random anonymous identifier — never your name, email address or any of your financial data. See Section 5.

1. Who we are

SnapFolio ("the App") is a personal-finance utility developed and published by:

TenebraTechnologies s.r.o.
Majerníkova 3039/28, 841 05 Bratislava, Slovenská republika
IČO: 57363544
Zapísaná v Obchodnom registri Mestského súdu Bratislava III, oddiel Sro, vložka č. 194527/B

The App runs entirely on your Android or iOS device. We do not operate any backend service that processes your financial data.

2. What data the App handles

When you use SnapFolio, the following information is created and stored locally on your device only:

• Your selected base currency
• Your chosen snapshot start date and periodicity (monthly / quarterly / yearly)
• The assets, asset groups, debts, debt payments and goals you create
• The numeric values you record in each snapshot
• An optional 4–6 digit PIN (stored as a hash, never the PIN itself)
• An optional flag indicating whether biometric unlock is enabled
• Your SnapFolio Pro unlock status (whether the one-time purchase — or the automatic unlock for customers of the original paid app — is active)

This data is held in a SQLite database inside the App's private storage area, which other apps on the device cannot read. Sensitive flags are written through the platform's secure key store (Keychain on iOS, EncryptedSharedPreferences on Android). At-rest disk encryption is provided by the operating system's device encryption.

We do not receive, transmit, sync, or otherwise transfer this data to any server, third party, or analytics service.

3. What data we do NOT collect

To be explicit, SnapFolio does not:

• Collect your name, email address, phone number, postal address or any other personal identifier
• Collect bank login credentials — the App cannot connect to banks at all
• Use third-party account-aggregator services (Plaid, Yodlee, TrueLayer, MX or any equivalent)
• Use third-party analytics SDKs (Google Analytics, Firebase Analytics, Amplitude, Mixpanel, Segment, etc.)
• Use third-party crash-reporting SDKs (Crashlytics, Sentry, Bugsnag, etc.)
• Use third-party advertising SDKs, networks, or place advertisements anywhere in the App
• Use cookies (the App is not a web app)
• Read or track device identifiers (Advertising ID, IDFA, GAID, IMEI, MAC address, build serial)
• Read your contacts, calendar, photos, location, microphone, camera, call log, SMS or installed-apps list
• Access the network for any purpose related to your financial data — network requests occur only to validate the optional in-app purchase (Section 5)

4. Permissions the App requests

SnapFolio declares only the permissions strictly required for its features:

• USE_BIOMETRIC / Face ID / Touch ID — to unlock the App with biometrics if you enable the optional app lock.
• POST_NOTIFICATIONS (Android 13+) — to send the local "snapshot due" reminder you opted into. No remote push is used.
• SCHEDULE_EXACT_ALARM and RECEIVE_BOOT_COMPLETED (Android) — to schedule and restore the local reminder after a reboot.
• Scoped file access — only when you initiate an Export or Import, so the OS file picker can read or write the single file you choose.

The App additionally uses the network and the platform billing capability (com.android.vending.BILLING on Android) solely to process and validate the optional SnapFolio Pro in-app purchase (Section 5). Your financial data is never transmitted. If a future version adds any other internet feature (for example, exchange-rate updates) this policy will be updated and the feature will be opt-in.

5. In-app purchases (SnapFolio Pro)

The App is free in its basic version; a one-time in-app purchase called SnapFolio Pro unlocks the full feature set (unlimited assets, debts, groups, goals and dashboard charts, backup import & restore, PDF reports, snapshot reminders and all themes). Processing this purchase is the only situation in which the App communicates with external services:

• Payment is handled entirely by the Apple App Store or Google Play. We never see your payment card, bank details or store account identity.
• Purchase validation uses RevenueCat, Inc., a purchase-infrastructure service acting as our processor. When the App starts or you open the upgrade screen, the RevenueCat SDK transmits: a randomly generated anonymous app-user identifier created on your device, your device platform and locale, the App version, the store receipt / entitlement status, and — as an inherent part of any internet request — your IP address. This is the only network communication the App performs.
• Your financial data — the assets, debts, groups, goals, snapshots, values and settings you enter — never leaves your device. It is not sent to RevenueCat, not to us, and not to anyone else.
• Your Pro unlock status is cached on your device, so the App keeps working fully offline; the App contacts RevenueCat again only to re-validate or restore the purchase.
• If you purchased SnapFolio while it was a paid-upfront app, Pro is unlocked for you permanently at no additional cost.

Purchase-validation records are retained by RevenueCat for as long as needed to keep your unlock restorable. You may request deletion of the anonymous customer record by emailing support@tenebratechnologies.com; note that deleting it may make the purchase unrestorable through the App's "Restore purchase" function (the purchase itself remains in your store account).

6. Export and backup files

When you tap Settings → Export, SnapFolio creates a file containing your data and hands it to the OS share sheet. Where that file goes is entirely your decision — the share sheet routes it to whichever destination you pick (Drive, email, Files, AirDrop, etc.). Once the file leaves SnapFolio, the privacy of the file is governed by the app or service you sent it to. We have no copy of the file and no way to retrieve it.

If you choose an encrypted backup, the file is encrypted with AES-256-GCM using a key derived from a password you set. We cannot recover that password — losing it means losing access to that backup.

7. Children's privacy

SnapFolio is a general-audience finance utility. It does not knowingly collect any data from anyone, including children. Because the App collects no personal data beyond the anonymous purchase validation described in Section 5, no special handling for children's data is required.

8. Your rights (GDPR, CCPA and equivalents)

Most data-protection laws (GDPR, CCPA, LGPD, etc.) grant you rights to access, correct, delete and port your personal data held by a controller. For your financial data, we are not a data controller, because we never receive or hold any of it. You exercise these rights directly on your device:

• Access — open the App; all your data is visible inside it.
• Portability — Settings → Export produces a portable file.
• Erasure — Settings → Reset wipes the App's database. Uninstalling the App also removes the database entirely.
• Correction — edit values in the App at any time.

For the limited purchase-validation data described in Section 5, we act as data controller with RevenueCat as our processor. Email support@tenebratechnologies.com to exercise your rights over that data, or with any other questions.

9. Security

The local database is stored inside the platform's per-app private storage sandbox, which is not readable by other apps on a non-rooted/non-jailbroken device. Device-level disk encryption (FBE/FDE on Android, Data Protection on iOS) applies automatically to App data at rest.

Your optional PIN is hashed before storage; the plaintext PIN is never written to disk. Biometric matching is performed by the operating system — SnapFolio never sees your biometric data.

App data may be included in the platform's automatic device backup (Auto Backup for Apps on Android, iCloud Backup on iOS) only if you have that feature enabled. Those backups are operated by Google or Apple under their respective terms, not by us. You can disable them in your device's system settings.

10. Changes to this policy

If a future version of SnapFolio changes data-handling behavior (for example, introduces an optional cloud sync feature) this policy will be updated and the revised "Last updated" date above will reflect the change. Continued use of the App after a material change constitutes acceptance of the updated policy.

11. Contact

Questions about this policy or about how SnapFolio handles your data:
support@tenebratechnologies.com
TenebraTechnologies s.r.o., Majerníkova 3039/28, 841 05 Bratislava, Slovenská republika

We aim to respond to privacy inquiries within 14 days.

→ SnapFolio Terms & Conditions