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Privacy Policy

Effective Date: October 23, 2026

This Privacy Policy explains how Auritrack ("we," "our," or "us") collects, uses, shares, and protects your information when you use the Auritrack mobile application, website, and related services (the "Service"). By using the Service, you agree to this Privacy Policy. If you do not agree, please do not use the Service.

1. Information We Collect

Information you provide to us:

  • Account and profile details such as your name, email address, and preferences.
  • Financial information you manually enter or import, such as transactions, budgets, accounts, bills, and the contents of statements or files (CSV, PDF, or spreadsheet) you upload.
  • Messages and content you submit when you contact support or communicate with us.

Information from bank accounts you choose to link:

If you link a bank account (available on the Premium plan), we receive the account name, type, currency, the last few digits of the account number, the balance, and your transactions (date, amount, description, and the bank's category) from our bank data partners. See Section 4 for details.

Information we collect automatically:

  • Device and technical data such as IP address, device type, operating system, app version, and access times.
  • Usage data such as the features you use and how you interact with the Service, collected through analytics tools.

Information from third parties:

If you sign in with a third-party provider such as Google or Apple, we receive basic profile information from that provider. We only receive data from your bank if you choose to link an account, as described in Section 4.

2. How We Use Your Information

  • To provide, maintain, and improve the Service, including financial tracking, budgeting, and reporting features.
  • To generate summaries, categories, reports, and insights, including by sending the documents and data you submit to a third-party AI service for processing (see Section 3).
  • To process subscriptions, in-app purchases, and credits, and to detect and prevent fraud and abuse.
  • To communicate with you, including service updates, security notices, and responses to your enquiries.
  • To send push notifications and reminders where you have enabled them.
  • To secure the Service and comply with legal obligations and enforce our Terms.

3. AI Processing of Your Data

Several features of the Service use artificial intelligence, including document and statement parsing, transaction categorisation, the in-app chat assistant, and automated insights and reports. To provide these features, the content you submit for them is transmitted to OpenRouter, a third-party AI service, which routes each request to underlying large-language-model providers (which may include providers such as OpenAI, Anthropic, and Google) in order to generate a response.

What we send. The content sent for these features may include the messages, uploaded documents, receipts and statements, voice recordings, the descriptions and amounts of transactions synced from linked bank accounts (so they can be labelled and categorised), and the financial data (such as transactions and budgets) needed to perform the task you requested. We send only what is necessary for that task, and we do not include your name, email address, or account credentials in the content sent for AI processing.

Your consent. Because this shares your content with a third party, we ask for your explicit, one-time consent inside the app before any content is sent to AI for the first time. If you decline, these AI features are not used and no content is sent for AI processing. You may choose not to use AI features at any time.

We do not sell your data. We do not authorise OpenRouter or its model providers to use your content to train their models for their own purposes where such control is available to us, and providers acting on our behalf are contractually required to protect your information with safeguards comparable to those described in this Policy and to use it only to provide services to us. AI-generated output can be inaccurate or incomplete and is provided for informational purposes only; it is not financial, investment, tax, or legal advice. Please see our Terms & Conditions for important disclaimers and limitations of liability.

4. Linked Bank Accounts

On the Premium plan you can link a bank account so your transactions come into Auritrack automatically. Linking is optional, and statement upload and manual entry work without it.

Who connects to your bank. Bank connections are provided by Plaid and Mono, depending on where your bank is. You sign in to your bank inside Plaid's or Mono's secure screen. Auritrack never sees or stores your bank username or password. By linking an account, you allow Plaid or Mono to collect your data from your bank and share it with us under their own privacy policies.

What access we have. The connection is read-only. We receive the account and transaction data listed in Section 1. We cannot move money, make payments, or change anything at your bank.

How we use it. Only to provide the features you asked for: importing and categorising your transactions, keeping your account balances current, spotting transfers between your own accounts, and finding recurring payments. We never sell bank data or use it for advertising.

How we protect it. The access token that lets us read your account is encrypted before it is stored, is kept only on our servers, and is never sent to your device.

Disconnecting. You can disconnect a bank at any time from Settings. When you do, we revoke the connection with Plaid or Mono, delete the access token, and stop syncing. Transactions already imported stay in your records until you delete them or delete your account. Deleting your account revokes every bank connection and deletes all bank data we hold about you.

5. Data Security

We take your privacy seriously. Data is encrypted in transit (TLS 1.2 or higher) and at rest, bank access tokens get an extra layer of encryption, and you can turn on multi-factor authentication for your account. We also use other appropriate technical and organisational measures to protect your information against unauthorised access, loss, misuse, or disclosure. However, no system can guarantee absolute security, and you are responsible for using a strong, unique password and protecting access to your devices.

6. Cookies and Similar Technologies

On our website we ask for your permission before setting analytics or advertising cookies. You can change your choice at any time with the Cookie settings link in the footer.

  • PostHog analytics (with your permission). A first-party cookie that helps us understand which pages and tools are useful. It lasts up to one year.
  • X (Twitter) advertising pixel (with your permission). Measures visits that come from our ads on X. X sets its own cookies under its privacy policy.
  • Anonymous visit counts (without cookies). If you reject cookies or have not chosen yet, PostHog counts page views using a hash of your IP address and browser that changes daily. Nothing is stored on your device and the hash can't be used to recognise you on a later day.
  • Strictly necessary storage. Your cookie choice, your theme, and figures you save in our free tools are kept in your browser's local storage. Cloudflare Turnstile may set a short-lived cookie to protect forms from bots.

7. How We Share Your Information

We do not sell your personal information. We share it only as follows:

  • Service providers: trusted third parties who process data on our behalf to operate the Service, under contracts that require them to keep it confidential, use it only to provide services to us, and protect it with safeguards comparable to those described in this Policy. These include Supabase (hosting, database, and authentication), Plaid and Mono (bank account linking, see Section 4), OpenRouter (AI processing, see Section 3), PostHog (product analytics), OneSignal (push notifications), RevenueCat (subscription management), and the Apple App Store, Google Play, and payment processors such as Paystack and Polar (payments and in-app purchases).
  • Legal compliance: where required to comply with the law, respond to lawful requests, or protect our rights, users, or the public.
  • Business transfers: in connection with a merger, acquisition, financing, or sale of assets, in which case your information may be transferred to the successor entity.

8. International Data Transfers

Your information may be processed and stored in countries other than your own, where data-protection laws may differ. Where we transfer data internationally, we take steps to ensure it remains protected in line with this Policy.

9. Your Rights

Depending on your location, you may have the right to:

  • access, correct, or delete your personal information;
  • object to or restrict how we process it;
  • withdraw consent where we rely on it;
  • request a copy of your data in a portable format;
  • lodge a complaint with a data-protection authority.

To exercise these rights, please contact us at support@auritrack.com. You can also delete your account from within the app.

10. Data Retention

We retain your information only for as long as your account is active and you are using the Service. When your account or data is deleted, whether you delete it yourself from within the app or it is removed automatically, it is permanently and irreversibly erased from our systems and cannot be recovered. Deleting your account also revokes every linked bank connection with Plaid or Mono. We do not retain your personal data after deletion, except where we are required by law to keep limited records (for example for tax or fraud-prevention purposes), in which case only the minimum information required is kept for the minimum period required. You may delete your account and data at any time from within the app.

11. Children's Privacy

The Service is not intended for children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, contact us and we will delete it.

12. Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for their privacy practices or content. Please review their policies before providing them with your information.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Effective Date" above and, where appropriate, by notice within the Service. Your continued use of the Service after changes take effect constitutes acceptance of the revised Policy.

14. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us at:

Auritrack
support@auritrack.com

Everything people ask before they switch.

The honest answers, from how the AI works to what happens when you leave.

Try it yourselfOr email support@auritrack.com
A woman resting her chin on her hand with a curious, slightly sceptical smile

Auritrack is an AI expense tracker, budget app, and bookkeeper for individuals and small businesses. Tell it what you spent in plain English, like "40 on lunch with Sam under food", send a voice note or a photo of a receipt, or upload a statement, spreadsheet or any other financial record as a PDF, CSV or Excel file. The AI labels and categorises each transaction, skips duplicates, finds your subscriptions and reminds you before they charge. It also plans budgets, tracks money you lend or borrow, keeps every currency separate, and sends monthly AI reports that explain where your money went. On the Premium plan, bank sync brings transactions in on their own. It works on web, mobile, and inside Telegram.

Yes, and it is the fastest way in. Type several transactions in one message, hold the mic and say them, send a receipt photo and every line item is logged, or paste your M-PESA texts and Auritrack skips any it has already seen. It works in the app and on Telegram, and you can ask it to edit, delete or recategorise entries the same way.

Yes, on every plan, from any country and in any currency. Upload a bank or card statement, an export from a wallet or another budgeting app, or the spreadsheet where you used to log expenses, as a PDF, CSV or Excel file, and Auritrack's AI extracts all transactions, cleans up messy descriptions, and categorises them. The account is created for you, or matched to one you already have, and anything already imported or synced from your bank is skipped. You can import months or even years of history in one go. Imports use Auricoins because they need AI processing.

Yes, on the Premium plan. You can connect banks in the US and Canada (through Plaid) and in Nigeria, Ghana, Kenya and South Africa (through Mono). In Ghana, Kenya and South Africa only selected banks are available. If your bank is somewhere else, upload a statement and Auritrack does the rest. See the supported countries page for the current list.

Yes. As transactions come in, whether you logged, imported or synced them, it looks for repeating charges and asks you to confirm or dismiss them. Once confirmed, it sends a reminder two days before the next charge, and flags any that stop showing up, since they may have been cancelled.

Yes. Alongside AI expense tracking and bookkeeping, Auritrack is a full budgeting app. Set budgets by category, let the AI suggest a budget based on your income (including frameworks like the 50/30/20 rule), and get a heads-up when you are about to overspend. Every expense you log, snap or import counts against the right category straight away. Ask 'How much is left in my food budget this month?' and get an answer straight away. You can also use our free Budget Planner tool with no signup to build a plan in minutes.

Yes. Record a loan as money you lent or borrowed, add a due date if there is one, and log repayments as they come. Auritrack works out the outstanding balance and marks the loan paid or overdue on its own. You can also just say "John paid back 200" in the chat.

Auritrack's AI doesn't just store your data, it explains it in clear, everyday language. Ask questions like 'Where did most of my money go last month?' and get answers like 'You spent 45% on food, mostly at restaurants on weekends.' Ask 'What subscriptions am I paying for?' and see a clean list with the ones you have not used flagged. Each month you can get a PDF report by email with a financial health score, charts and an AI review of your spending. On Pro and Premium, a personal insight arrives every Monday comparing your last week with your usual ones. Compare puts any two periods side by side, and Finance Wrapped turns a period into a visual story you can share.

Each transaction keeps its own currency. Totals are shown per currency, with your preferred currency first. Nothing is converted behind your back.

The Auritrack mobile apps (iOS and Android) and the Telegram bot are free: expense tracking, budgets, manual entry, and your data cost nothing, forever, with no card required. The web app needs a subscription from $3/month, with no free trial. Premium AI features come two ways: subscribe for monthly Auricoin grants and included features (Plus at $3/month, Pro at $8/month, or Premium at $20/month, with two months free on annual billing), or stay pay-as-you-go with Auricoins that never expire. Bank connections are only on Premium. See the pricing page for the full plan comparison.

Auricoins are in-app credits for premium AI features in Auritrack. You get free Auricoins as a welcome bonus when you sign up, and you can earn more by referring friends or completing activities in the app. Use Auricoins for smart file imports (uploading bank PDFs/CSVs for AI extraction), extra bank syncs beyond the weekly one, deeper financial insights, and predictive analytics. There are two ways to get more: subscribe to a plan (Plus, Pro, or Premium) for a monthly Auricoin grant plus included premium features, or purchase Auricoins pay-as-you-go in the app or through our Telegram bot. Coins from a plan refill each billing cycle; purchased Auricoins never expire.

The Auritrack Telegram bot brings expense tracking into your chat app. Start a conversation with @auritrack_bot and you can log expenses, track income, create budgets, manage billers and givers, and ask questions about your finances without leaving Telegram. Say things like 'How much did I spend on transport this week?' or 'Send me a summary of today's expenses' and the AI replies. The bot uses the same Auritrack account, so transactions from bank sync and statements show up there too.

Manual tracking is available and free on the iOS and Android apps and on Telegram (the web app needs a subscription from $3/month). You can use Auritrack's manual entry forms to log expenses, income, budgets, billers, and givers without using any AI features or Auricoins. You can mix methods too: upload statements for the bulk of it, and log cash by hand or by chat. The basic mobile and Telegram app is free forever.

Auritrack is for anyone tired of manual expense tracking and spreadsheets. Message it, snap receipts or upload statements instead of filling in forms. Professionals and salary earners get their spending sorted without daily logging. Small business owners and freelancers use it to turn messy statements and spreadsheets into organised books and track several income sources. People with money in more than one currency get separate totals for each. Telegram users can keep their tracker inside their chat app.

Yes. Upload a bank statement, spreadsheet or any financial record (PDF, CSV, or Excel), on any plan, or log as you go by chat or receipt photo. On the Premium plan you can also connect your bank (United States, Canada, Nigeria, Ghana, Kenya and South Africa) and transactions sync every week on their own. The AI extracts every transaction, cleans up messy descriptions, categorises income and expenses, pairs transfers between your own accounts, removes duplicates, and keeps your books organised. You can generate clean PDF reports for your accountant or records anytime.

Yes. Auritrack is designed for both individuals and small businesses. Freelancers and small business owners use it to separate business and personal spending, track multiple income sources, turn bank statements or a connected bank into organised books, monitor cash flow, and export clean reports at tax time. There is no accounting software to learn, and the mobile apps have a free tier to start.

Yes. If you're coming from YNAB, Mint, Monarch, or any other finance app, export your data as a CSV or Excel file from your current app and upload it to Auritrack. The import maps your categories, cleans up transaction descriptions, and organises everything. Years of financial history can come across in one upload, so you don't lose anything when you switch.

Yes. Your data is always yours. Export your complete financial history anytime as formatted PDF reports or raw CSV files for spreadsheet use. PDF reports are print-ready and suit loan applications, accountants, or personal records. CSV exports give you full control for your own analysis. There are no limits on exports.

Yes. Auritrack encrypts your data in transit and at rest, and AI processing runs on our servers with strict access controls. We never sell your data, and it is never used to train models for other users. Bank connections run through Plaid (the US and Canada) or Mono (Nigeria, Ghana, Kenya and South Africa). You log in on their screen, so Auritrack never sees your bank password. The connection is read-only, access tokens are stored encrypted, and you can disconnect at any time. Linking a bank is optional: statement upload works without it.

We believe you should stay because you want to, not because you're trapped. Deleting your account is one click in your settings, and your account is permanently removed along with all your data, including any bank connections. No retention tricks. Before deleting, you can export all your data so nothing is lost.

No. Bank connections are part of Premium ($20 a month or $200 a year). Statement uploads and chat work on every plan.

Yes. Statement upload works for every bank in every country, in any currency. Upload a PDF, CSV or Excel file and Auritrack creates the account, sorts every transaction and skips anything it has already seen.

Once a week automatically, included in Premium. You can choose a more frequent schedule or press "Sync now", which uses Auricoins.

No. You log in on Plaid's or Mono's screen. Auritrack receives read-only access to balances and transactions and cannot move money.

No. When money moves between two accounts you have connected, Auritrack pairs the two sides and leaves them out of income, spending and budgets. You can undo a match.

Auritrack matches them by account and skips duplicates, in both directions. The same goes for anything you logged by chat.

Syncing pauses. Your accounts and history stay. Reconnect by upgrading to Premium again.

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