Privacy Policy
ChequePoint is a personal finance app for iPhone, operated by ChequePoint LLC ("ChequePoint", "we", "us"). This policy explains what information the app handles, where it goes, and the choices you have. The basic rule: your financial data belongs to you, lives on your own device and in your private iCloud database, and is never sold, shared for advertising, or used to track you.
Information the app handles
- Financial account data: When you connect a bank through Plaid, the app receives your account names, balances, and transactions (dates, amounts, merchant names). This data is stored locally on your device and in the private database of your personal iCloud account (CloudKit). The developer cannot read that database; it is hosted by Apple under your Apple Account and Apple's own privacy terms. If you import transactions via CSV, they are stored the same way.
- Bank credentials: You enter your bank username and password exclusively inside Plaid's secure screen. ChequePoint never receives, views, or stores your bank login details.
- Apple Account identifier: Signing in with Apple (needed only to connect a bank) gives the app an anonymous identifier and, if you allow it, your name. The identifier is shared with RevenueCat to verify your subscription, with Plaid as an anonymous user ID for your bank connections, and with our Plaid relay (below) to tie bank connections to you. Your name stays in your device's Keychain unless you share your finances with a household partner, who sees it as your display name.
- Subscription status: Purchases are handled directly by Apple. RevenueCat, our subscription management provider, receives purchase receipts and your anonymous identifier to activate subscription features. We never receive or store your credit card or payment information.
- Crash and stability reports: If the app crashes or freezes, an automated technical report is sent so we can fix the bug: through Sentry, and through Apple's own crash diagnostics (MetricKit), which the app forwards to us with recent app logs. Reports include the device model, app version and stack traces, with account numbers, email addresses and currency amounts (any figure written with a $, € or £ sign) removed. You can turn this off in Settings with "Share Crash & Performance Data".
- Feedback and diagnostics: If you choose to send feedback through Settings > Send Feedback & Get Support or by shaking your device, your message, an optional contact email, an optional screenshot of the screen you were on, and diagnostic logs (with account numbers removed) are sent to ChequePoint LLC and stored with Cloudflare. A screenshot can show balances on screen, so you can switch it off before sending. We keep reports only as long as we need them to investigate and improve the app; email us to have yours deleted.
How data travels
- Plaid API relay: Requests to Plaid pass through a small relay we run on Cloudflare. The relay adds our private API keys and forwards requests to Plaid. Your transactions pass through it on their way to your device but are never stored there. To keep bank connections secure and limited to their owner, the relay stores your Apple Account identifier, a one-way hash of each bank connection's access key (not the key itself), Plaid's ID for each connection, and when each was last used.
- Security alerts: If the relay detects abuse, such as repeated invalid requests, it emails ChequePoint LLC through Resend. Those alerts can include an Apple Account identifier and an IP address.
- iCloud sync: Syncing between your iOS devices uses Apple CloudKit. Your data travels directly between your devices and your personal iCloud container.
Household sharing
If you invite a partner to share your finances, the accounts and data you choose to share are placed in a shared iCloud area that only you and that partner can read, using Apple's CloudKit sharing. Your partner sees your display name. You choose what is shared in Settings > Household, and ending sharing removes your partner's access to your data.
What we never do
- We do not sell, rent, or monetize your financial information.
- We do not run ad networks, tracking SDKs, or cross-app identifier tracking.
- We do not share data with data brokers or marketing services.
- We do not store your financial records on our own servers.
Data retention and deletion
Your financial records stay on your device and in your private iCloud account until you delete them. In the app, you can delete individual accounts, or delete everything in Settings > Delete Account. Deleting your account disconnects your banks from Plaid, revokes ChequePoint's Sign in with Apple access, ends household sharing, erases your data on the device and in iCloud, and deletes your sessions on the relay. The relay keeps Plaid's ID for each former bank connection, with your Apple Account identifier removed, so we can confirm the connection was closed.
Deleting your account does not cancel a ChequePoint Pro subscription. Subscriptions are billed by Apple; cancel yours in your App Store subscriptions.
You can also email deletion requests at any time to support@chequepointapp.com.
Third-party services
- Plaid: Secure bank account connection
- Apple: Sign in with Apple, iCloud sync (CloudKit), App Store payment processing
- RevenueCat: Subscription entitlement verification
- Cloudflare: Network infrastructure, the Plaid API relay, and feedback storage
- Sentry: Crash and stability monitoring
- Resend: Security alert emails to ChequePoint LLC
Children's privacy
ChequePoint is not directed to children under 13, and we do not knowingly collect personal information from children.
Questions and contact
For questions or privacy requests regarding your data, contact ChequePoint LLC at support@chequepointapp.com.