Our Privacy Policy

Overview

Lode is a personal finance app that prioritizes your privacy. Your financial data stays on your device and is never sent to our servers.

Data Storage

All your financial data — transactions, accounts, budgets, bills, goals, and debts — is stored locally on your device using Apple’s Core Data framework. We do not store your personal or financial information on our servers.

AI Features

Lode uses AI to help with data entry and insights. When you use the AI chat or receipt scanning, your text input or receipt image is sent to our secure proxy server, which forwards it to a third-party AI service (Google Gemini) for processing. When you ask questions about your finances, aggregated summaries (such as account balances, spending by category, and goal progress) may also be included to provide accurate answers. The proxy server does not store any data. On supported devices, some AI features may use Apple’s on-device processing as a fallback.

Exchange Rates

Lode fetches currency exchange rates directly from public financial data services (ExchangeRate-API, Frankfurter) to display up-to-date conversion information. These requests do not include any of your personal or financial data.

Subscriptions

Lode offers optional premium features via in-app subscriptions. Subscription transactions are processed entirely by Apple through the App Store. We do not collect or store your payment information.

Data We Do Not Collect

We do not collect, store, or transmit: personal identification information, financial account details, advertising identifiers, or location data. When using AI features, limited financial context (such as spending summaries) may be sent to process your request but is never stored.

Third-Party Services

Lode does not include advertising SDKs, analytics frameworks, or tracking tools. AI features are processed through our secure Cloudflare Worker proxy, which forwards requests to Google Gemini API. Exchange rates are fetched from public financial data APIs. No personal data is shared with advertising or analytics third parties.

This Website

This website — not the app — uses Cloudflare Web Analytics to count visits and see which pages are useful. It sets no cookies, uses no fingerprinting and does not follow you across other sites: it records the page viewed, the referring site, and general browser, device and country information. The site is served by Cloudflare, which handles the usual request data, such as your IP address, to deliver pages and protect the site.

Download links on this site carry a campaign name, so App Store Connect can show, as anonymous totals, which page an install came from. The Lode app itself still contains no analytics.

Data Deletion

Since all data is stored locally on your device and in your iCloud account, you can delete it at any time by removing the app. iCloud data can be managed through your device’s iCloud settings.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be reflected with an updated date at the top of this page.

Contact Us

If you have questions about this Privacy Policy, contact us at lodeapp@proton.me