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Privacy Policy

Effective Date: July 13, 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 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 do not log into or import data directly from your bank accounts or financial institutions.

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, 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. Data Security

We take your privacy seriously and use encryption in transit and 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.

5. Cookies and Similar Technologies

On our website we use cookies and similar technologies to keep you signed in, remember preferences, and analyse usage. You can manage cookies through your browser settings, though disabling them may limit some functionality.

6. 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), 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.

7. 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.

8. 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.

9. 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. 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.

10. 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.

11. 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.

12. 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.

13. 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

09 — Questions, answered

Everything people ask before they switch.

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

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Auritrack is an AI-powered finance management app for individuals and small businesses — expense tracking, budgets, and bookkeeping — that understands natural language. Instead of filling out forms or selecting categories, you simply tell the AI what you spent in plain English - like "4,000 on lunch with Tunde under food" or "Paid 5,000 for data and electricity, split them." The AI understands context, extracts the important details (amount, category, notes), and organizes everything automatically. It works on web, mobile app, and inside Telegram. The more you use it, the smarter it gets at understanding your spending patterns and providing personalized insights.

The Auritrack app is free — expense tracking, budgets, manual entry, and your data cost nothing, forever, with no card required. Premium AI features are unlocked 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. See the pricing page for the full plan comparison.

Auricoins are in-app credits that unlock premium AI features in Auritrack. You get free Auricoins when you sign up as a welcome bonus, and you can earn more by referring friends or completing activities in the app. Use Auricoins to access advanced features like smart file imports (uploading bank PDFs/CSVs for AI extraction), deeper financial insights, advanced categorization, predictive analytics, and enhanced natural language reasoning. 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 directly into your chat app. Just 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 - all 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 responds instantly. It feels like chatting with a smart financial assistant who knows your money inside out. The bot syncs with your Auritrack account, so all your data is consistent across web, mobile, and Telegram.

Yes! One of Auritrack's most powerful features is smart file imports using AI. Upload bank PDFs, CSV files, or Excel spreadsheets from your bank or fintech app, and Auritrack's AI automatically extracts all transactions, cleans up messy descriptions, categorizes spending intelligently, removes duplicates, and organizes everything into your account. You can import months or even years of financial history in seconds. This feature uses Auricoins since it requires advanced AI processing, but it saves hours of manual data entry. Perfect for people switching from other apps or consolidating multiple accounts.

Manual tracking is available and completely free! If you prefer traditional expense tracking, you can use Auritrack's manual entry forms to log expenses, income, budgets, billers, and givers without using any AI features or Auricoins. However, most users love the AI because it's so much faster and easier - just chat naturally instead of filling out forms. You can mix both methods: use manual tracking for quick entries when you want, and use AI features like smart imports or advanced insights when you need more power. The choice is yours, and the basic app is free forever.

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 natural responses like 'You spent 45% on food, mostly at restaurants on weekends.' Ask 'What subscriptions am I paying for?' and see a clean list with recommendations for unused ones. The AI can predict future spending: 'If I keep spending like this, how will my savings look in three months?' It spots unusual patterns, suggests budgeting improvements, and provides personalized financial advice based on your actual behavior. It's like having a financial advisor who knows your money intimately and explains everything in simple terms.

Absolutely. Auritrack uses bank-grade encryption for all data transmission and storage. Your financial information is encrypted at rest and in transit using industry-standard SSL/TLS protocols. The AI processing happens securely on our servers with strict access controls and regular security audits. We never sell your data to third parties, and your information is never used to train models for other users - your data stays yours. The AI only accesses your data to provide you with insights and features you explicitly request. Since we don't link to bank accounts, your banking credentials never pass through our system, providing an additional layer of security. Your privacy is our top priority.

Auritrack is perfect for anyone tired of manual expense tracking and spreadsheets. Professionals and salary earners love the effortless daily tracking through natural language. Small business owners and freelancers appreciate how AI interprets messy bank statements and handles multiple income sources. Students and budget-conscious users enjoy the simple, conversational interface that makes money management less intimidating. Telegram users especially love having their expense tracker right inside their chat app. If you want to understand your money without the hassle of traditional finance apps, Auritrack is built for you. The AI makes it accessible for everyone, regardless of financial expertise.

Yes! Switching to Auritrack is seamless. If you're coming from YNAB, Mint, Monarch, or any other finance app, simply export your data as a CSV or Excel file from your current app and upload it to Auritrack. Our intelligent import system automatically maps your categories, cleans up transaction descriptions, and organizes everything. Years of financial history can be imported in seconds. You don't lose a thing when you switch - your data moves with you.

Absolutely! Your data is always yours. Export your complete financial history anytime as beautifully formatted PDF reports or raw CSV files for spreadsheet use. PDF reports are print-ready and perfect for loan applications, accountants, or personal records. CSV exports give you full control for your own analysis. There are no limits on exports - download as often as you need, and access your finances offline whenever you want.

We believe you should stay because you want to, not because you're trapped. If you ever decide to leave, deleting your account is simple: one click in your settings and your account is permanently removed along with all your data. No retention tricks, no hidden hoops, no persuasion tactics. Before deleting, you can export all your data so nothing is lost. We respect your choice completely.

Yes. Auritrack is built so the AI does the bookkeeping for you with zero manual effort. Just describe transactions in plain language or upload a bank statement (PDF, CSV, or Excel), and the AI extracts every transaction, cleans up messy descriptions, categorizes income and expenses, removes duplicates, and keeps your books organized. You can generate clean PDF reports for your accountant or records anytime. It is like having an automated bookkeeper that works inside a chat. Note: live bank-account connections are on the roadmap; today you connect by uploading statements, which keeps your banking credentials off our servers.

Absolutely. 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 messy bank statements into organized books with AI, monitor cash flow, and export clean reports at tax time. Because you track by simply chatting or uploading statements, there is no complicated accounting software to learn, and a free tier to start — you only pay for the AI features you use through Auricoins.

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. Ask questions like 'How much is left in my food budget this month?' and get an instant answer. You can also use our free Budget Planner tool with no signup to build a plan in minutes.
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