Privacy Policy

1Who we are

Oikos Budget ("Oikos," "we," "us") is a Christian budgeting app for iPhone made by Jomar Martinez, an independent developer. This policy explains what information the app handles and how. It applies to the Oikos iOS app, including beta versions distributed through Apple's TestFlight.

2Information you put in the app

To build your budget, you may enter things like income sources and pay schedules, budget categories and amounts, transactions, recurring bills, wishlist items, calendar notes, tithe and giving settings, cash on hand, a display name, and an optional profile photo.

This information is stored on your device. If you're signed in to iCloud, it is also synced through Apple's iCloud (CloudKit) private database so it stays up to date across your devices. That database belongs to your Apple account: only you can access it, and we (the developer) cannot view, read or export its contents. Apple's handling of iCloud data is covered by the Apple Privacy Policy.

Optional bank linking. If you choose to link a bank or card, you first sign in to an Oikos account with Sign in with Apple. We then keep a small account record on our server (hosted by Supabase): your user ID and the email address Apple shares with us, which can be a private relay address. Your bank connects through Plaid. You enter your bank login in Plaid's secure screen; Oikos never sees or stores your bank username or password and can't move your money. Our server keeps only the connection key Plaid gives us, which the app itself can never read. When the app syncs, your account names, balances and transactions pass through our server to your iPhone and are saved there and in your iCloud, not on our server.

3Permissions the app may ask for

Oikos only asks for a permission when you use the feature that needs it. You can change any of these at any time in your iPhone's Settings.

4What we don't collect

• No advertising, ad identifiers or cross-app tracking.
• No third-party analytics or data-collection tools.
• No location, contacts or health data.
• No bank logins or passwords. If you link a bank, you sign in to your bank inside Plaid, not Oikos.
• Nothing about your bank unless you choose to link one.

5When you contact us

If you send feedback or email us (for example through "Give App Feedback"), we receive your email address and whatever you choose to write. We use it only to reply and improve Oikos, and we don't add you to marketing lists without asking.

If you're testing through TestFlight, Apple may share crash reports, device details and any feedback or screenshots you submit in TestFlight with us. That is governed by Apple's TestFlight terms, and we use it only to fix problems in the app.

6Purchases

If Oikos offers subscriptions, payments are handled entirely by Apple through the App Store. We never see your payment details. We only receive confirmation from Apple of whether a subscription is active.

7Deleting your data

• In the app: use the erase option in Account settings to remove your budget, transactions, notes and profile from your device and from your iCloud sync.
• Deleting the app removes the data stored on that device.
• Oikos account and linked banks: in Accounts, tap Delete account. This disconnects every linked bank at Plaid and deletes your account record from our server right away.
• iCloud copy: you can also remove it in iPhone Settings → [your name] → iCloud → Manage Storage (or Apps Using iCloud) → Oikos.

8Children

Oikos is not directed to children under 13, and we don't knowingly collect personal information from them.

9Changes to this policy

If we change how Oikos handles information, we'll update this page and the effective date above. For significant changes, we'll also let you know in the app.

10Contact