Privacy Policy

Summary

Lovely Finance is a personal cashflow app. Your budget data stays on your device. We do not operate a cloud service that stores your accounts, bills, transactions, pot balances, or forecasts. We do not sell your information or use third-party advertising trackers in the app.

Optional features you turn on (brand logos, AI reports) may send limited data directly from your device to those providers — never through our servers. Support messages you send us by email or the website contact form are handled separately, as described below.

Who we are

Lovely Finance is developed by Mark Lovely (United Kingdom). For privacy questions or requests, contact support@lovely-finance.co.uk. Our website is lovely-finance.co.uk.

Data stored on your device

The app stores locally, on your iPhone or iPad, information you enter or generate, including:

• Account names, balances, and currency settings
• Bills, income schedules, manual transactions, and pot allocations
• Payment marks, instalment plans, payment goals, and forecast state
• App preferences (notifications, theme, security, subscription state)
• Optional profile display name and avatar choices
• Cached brand icons (if you enable brand logos)
• Exported backup files you create (saved where you choose in Files or iCloud Drive)

This information is not transmitted to us as the app developer unless you explicitly contact us or use an optional third-party feature described below. Uninstalling the app removes local app data from your device (backups you saved elsewhere are your responsibility).

What we do not collect

We do not operate backend servers that receive or store your budget data. In particular, we do not collect:

• Bank login credentials or live bank feeds
• Your accounts, bills, or transaction history on our servers
• Advertising identifiers for cross-app tracking
• Location data for tracking purposes

Apple’s App Store privacy label for Lovely Finance reflects that the developer does not collect data linked to you for tracking. System diagnostics may be collected by Apple if you opt in at the iOS level.

Sign in with Apple (optional)

You may optionally sign in with Apple to personalise your profile on this device. Authentication is handled by Apple according to Apple’s Privacy Policy. Sign in is not required to use budgeting features. We do not receive your Apple ID password. If you choose to sign in, Apple may share a stable user identifier and, on first sign-in only, your name or email (including Apple’s private relay address). That information is stored locally on your device for profile display and is not sent to our servers.

Lovely Finance Plus (optional subscription)

Lovely Finance Plus is an optional auto-renewable subscription purchased through Apple’s App Store. Payment is processed entirely by Apple; we do not receive or store your payment card or billing address.

The app uses Apple’s StoreKit on your device to verify subscription status so Plus features can be unlocked locally. We do not operate our own receipt-validation server. You can manage, cancel, or request a refund through your Apple ID account settings. Apple may provide us with subscription status information (for example, active, expired, or in billing retry) as part of StoreKit — not your financial account details.

Subscription purchases are also subject to Apple’s Licensed Application End User License Agreement (EULA).

Optional network features

These are off by default and only apply if you turn them on in App settings:

• Brand logos (Brandfetch) — If enabled and configured with your own Brandfetch client ID, the app may request small brand icons from Brandfetch’s CDN using payee or account names you have entered. Requests go directly from your device to Brandfetch, not to us. Icons may be cached on your device.
• Advanced AI (Claude) — If enabled, you provide your own Anthropic API key stored in the device Keychain. Requests are sent directly from your device to Anthropic for optional features such as report narration and short note suggestions (payee name, category, and pot name only — not full budget history). Processing is governed by Anthropic’s privacy policy. We do not receive those requests or your API key.
• On-device Apple Intelligence — When available on your device and selected for reports, narration may use Apple’s on-device intelligence. Budget figures used for narration are processed on-device according to Apple’s policies.

Notifications

If you allow notifications, the app schedules local reminders on your device (for example bill, instalment, or payday reminders). Notification content is derived from data already stored locally. We do not send push notifications from our own servers.

Face ID, Touch ID, and App Lock

Biometric authentication and PINs are handled by iOS on your device. We do not collect, transmit, or store your biometric data or PIN on our servers.

Backups and export

You may create an encrypted backup file from App settings and save it to Files, iCloud Drive, or elsewhere you choose. We do not access backup files unless you send one to us for support. You are responsible for securing copies you store outside the app.

If you use iCloud Backup or other device backup features, Apple may include app data in encrypted device backups according to Apple’s Privacy Policy. That is separate from exports you create manually in the app.

Website and support contact

Our marketing and support website (lovely-finance.co.uk) does not use advertising trackers. If you use the contact form or email support@lovely-finance.co.uk, we receive the information you provide (such as your name, email address, and message) so we can respond.

Contact form submissions are delivered by email using third-party processors (currently Resend, with FormSubmit as a fallback if email delivery is unavailable). Those providers process your message only to deliver it to us. We use support correspondence only to answer your enquiry, not for marketing, and we do not add support contacts to mailing lists without your consent. We keep support messages only as long as needed to resolve your request and for a reasonable period afterward for record-keeping (typically up to two years, unless a longer period is required by law).

Analytics and tracking

We do not sell your personal information. We do not use third-party advertising or cross-app tracking in Lovely Finance. We do not embed analytics SDKs that profile you across apps.

Legal basis and your rights

For UK and EEA users, Mark Lovely is the data controller for personal data described in this policy. We process support contact details and messages on the basis of legitimate interests (responding to enquiries) and, where applicable, contract (support relating to a subscription purchased through Apple). Optional third-party features you enable are processed on your instructions via those providers’ services.

You may have rights to access, correct, erase, restrict, or object to processing, and to data portability, for personal data we hold about you (primarily support correspondence). Because budget data stays on your device, you can delete it by removing data in the app, using “clear all data” in App settings, or uninstalling the app. To exercise your rights or ask what we hold from support contact, email support@lovely-finance.co.uk. You may also complain to the UK Information Commissioner’s Office or your local data protection authority.

Where we use processors outside the UK/EEA (for example email delivery or optional AI/logo providers you choose), data may be transferred subject to appropriate safeguards such as standard contractual clauses or equivalent mechanisms offered by those providers.

Children

Lovely Finance is not directed at children under 13, and we do not knowingly collect personal information from children. The app is intended for users managing their own household cashflow.

Changes

We may update this policy from time to time. The “Last updated” date at the top will change when we do. Material changes will be reflected on this page. Continued use of the app after changes constitutes acceptance of the updated policy where permitted by law.

Contact

Questions about privacy or this policy: support@lovely-finance.co.uk · Support page