Support &
Legal

Get help, contact us, or read our policies.

FAQ Contact Privacy Policy Terms of Use

Frequently asked questions

Everything you need to know about using the app.

Getting Started
No separate account needed. The app uses Sign in with Apple — your iCloud account is your app account. Just tap "Sign in with Apple" when you first open the app and you're ready to go.
The app is free to download on the App Store. There are no subscriptions, no in-app purchases, and no ads. All features are included from day one.
Go to the Home tab and tap "+" to add your first account. Choose the account type (bank account, credit card, wallet, or cash), give it a name like "HDFC Savings", and enter your current balance. The app does not connect to your bank — all entries are manual. You can also import past transactions via CSV from the Settings tab.
Yes. Since your data is stored in your private iCloud container, it automatically syncs across all your Apple devices where you're signed in with the same Apple ID. Changes on your iPhone appear on your iPad and vice versa.
Transactions & Accounts
No. Complete Personal Finance is a manual-entry app by design. You enter your transactions yourself. This means your bank credentials are never needed and your financial data never leaves your device. For bulk history, you can import CSV bank statements from HDFC, SBI, ICICI, Axis, and Kotak via Settings → Import CSV.
Add your credit card as an account (type: Credit Card) and link it to a Debt entry in the Debt tracker. Once linked, every expense logged on that credit card automatically increases your outstanding balance, and every payment you record reduces it. You can see your credit utilisation and minimum payment due at a glance.
Go to Settings → Import CSV. Download your bank statement as a CSV file (most Indian banks offer this in net banking under "Account Statement"). The app auto-detects column formats for HDFC, SBI, ICICI, Axis, and Kotak. For other banks, you can map columns manually. Duplicate transactions are flagged before import so you can review them.
Every time you save a transaction, the app automatically: updates your account balance, checks if it crosses any budget thresholds (and sends a notification if so), updates linked debt outstanding for EMI payments or credit card spending, and recalculates goal progress. You don't need to manage these manually — it all happens in the background when you hit Save.
Budgets, Goals & Insights
When you set a budget for a category (like Food), The app monitors your spending in that category for the month. When you reach 80% of the limit, you'll get a local notification. When you reach 100%, you'll get an "exceeded" alert. Alerts are local notifications — no internet connection is required and no data leaves your device.
Net Worth = Total Assets − Total Liabilities. Assets include all bank account balances, cash, wallets, and investment current values. Liabilities include all outstanding loan amounts and credit card balances. The calculation updates automatically whenever you add or edit a transaction.
Smart Insights analyses your transaction history locally on your device and surfaces patterns like subscription cost creep, spending anomalies vs your monthly average, savings rate trends, and debt progress. All analysis happens on-device — nothing is sent to a server. Insights refresh weekly and after significant transactions.
Data & Privacy
Your data is stored on your device via SwiftData and synced to your private iCloud container. Only you — via your Apple ID — can access it. The developers have no access to your financial data, ever. This is not a policy choice — it's a technical reality of how CloudKit private databases work.
Go to Settings → Data. You can export all transactions as a CSV file (filterable by date range, account, and category), or export a full JSON backup of all your data (accounts, transactions, budgets, goals, debts, investments). You can restore from a JSON backup on any device. We recommend backing up periodically.
Go to Settings → Data → Clear All Data. This permanently deletes all your data from the app and from your iCloud container. This action requires double confirmation and cannot be undone. If you uninstall the app without clearing data first, your data remains in iCloud and will be restored if you reinstall.
Notifications are used for: (1) budget alerts when you approach or exceed your monthly limits, (2) bill reminders before recurring payments are due, (3) a daily digest reminding you to categorise any uncategorised transactions. All notifications are local — generated on your device, not pushed from a server. You can configure or disable all notifications in Settings → Notifications.
Tax Helpers
No. The tax helper feature is a tracking and organisational tool only — it helps you tag transactions with relevant sections (80C, 80D, HRA, 80G, etc.) and generate a summary report for the financial year. It does not calculate your tax liability or provide tax advice. Always verify your figures with a qualified Chartered Accountant before filing your returns.
The tax summary covers the Indian financial year (April 1 to March 31). You can select which financial year to generate the summary for. The report can be exported as a PDF to share with your CA.

Get in touch

We're here to help. Reach out through any of the channels below.

Response time: We aim to respond to all support requests within 2 business days (Monday–Friday, IST).
✉️

Email Support

For bug reports, feature requests, account issues, or any questions about Complete Personal Finance.

support@fintrack.app →
🐛

Report a Bug

Found something that's not working right? Please include your iOS version and a description of what happened.

bugs@fintrack.app →
💡

Feature Requests

Have an idea for something you'd love to see in the app? We read every suggestion.

hello@fintrack.app →
🔒

Privacy Concerns

Questions about how your data is handled, deletion requests, or data-related concerns.

privacy@fintrack.app →

When contacting support, please include:

  • Your iPhone model and iOS version (Settings → General → About)
  • App version (Settings → About in the app)
  • A description of the issue and steps to reproduce it
  • Screenshots if relevant (no need to include any financial data)
Last updated: April 26, 2026  ·  Effective: April 26, 2026

Privacy Policy

This Privacy Policy explains how Complete Personal Finance ("we", "us", or "our") handles your information when you use the Complete Personal Finance iOS application ("the App"). We are committed to protecting your privacy. Please read this policy carefully.

The short version: Your financial data is stored on your device and in your private iCloud account. We — the developers — never see it, never access it, and never store it on any server we own or operate. This is not just a policy promise; it is a technical reality.

Information We Collect

Information you provide

When you sign in with Apple, Apple may share your name and email address with the App (only if you choose to share them). This information is stored locally on your device and in your private iCloud container. We do not receive or store this information on any server.

Financial data you enter

All transaction data, account balances, budget settings, debt information, investment values, and other financial information you enter into the App is:

  • Stored locally on your device via Apple's SwiftData framework
  • Synced to your private iCloud container (accessible only via your Apple ID)
  • Never transmitted to, processed on, or stored on any server owned or operated by Complete Personal Finance developers
  • Never shared with any third party, advertiser, or analytics service

Exchange rate data

If you use the multi-currency feature, the App makes a network request to frankfurter.app to fetch exchange rates. This request contains no user data — only a request for currency rate information. No financial data, user identifiers, or personal information is included in this request.

Information we do NOT collect

  • We do not use any analytics SDKs (no Firebase Analytics, no Mixpanel, no Amplitude)
  • We do not collect crash reports via third-party services
  • We do not serve advertisements or work with any advertising network
  • We do not track your behaviour within the App
  • We do not access your bank accounts, payment systems, or any financial institution

How Your Data Is Stored

Your data is stored in two places, both under your sole control:

  • On-device: In the App's local SwiftData database on your iPhone or iPad
  • iCloud: In your private CloudKit container, accessible only via your Apple ID

Apple's CloudKit uses end-to-end encryption for private database records. Even Apple cannot read the contents of your private CloudKit data. Complete Personal Finance developers have no access to your CloudKit container at any time.

Data Sharing

We do not sell, rent, or share your personal data with any third parties. We have no advertising partners, data brokers, or third-party analytics providers.

Your Rights & Controls

Access and export

You can export all your data at any time via Settings → Data → Export. You can export transactions as CSV or export a full backup as JSON.

Deletion

You can permanently delete all your data by going to Settings → Data → Clear All Data. This deletes data from the App and from your iCloud container. This action is irreversible.

Uninstalling the App removes local data. Data in iCloud persists until you clear it (as above) or delete the iCloud container via iOS Settings → [Your Name] → iCloud → Manage Account Storage.

Data portability

Your data is portable by design. Export it at any time in CSV or JSON format for use with any other service.

Children's Privacy

Complete Personal Finance is not directed at children under the age of 13 and we do not knowingly collect information from children under 13. If you believe a child has provided information through the App, please contact us at privacy@fintrack.app.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last updated" date at the top of this page. Continued use of the App after changes constitutes acceptance of the updated policy.

Contact

If you have any questions about this Privacy Policy or how we handle your data, please contact us at privacy@fintrack.app.

Last updated: April 26, 2026  ·  Effective: April 26, 2026

Terms of Use

These Terms of Use ("Terms") govern your use of the Complete Personal Finance iOS application ("the App"). By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.

Use of the App

Complete Personal Finance grants you a personal, non-commercial, non-transferable licence to use the App on Apple devices you own or control, subject to these Terms and the Apple App Store Terms of Service.

You agree not to:

  • Reverse engineer, decompile, or disassemble the App
  • Use the App for any unlawful purpose
  • Attempt to extract, scrape, or harvest data from the App or its infrastructure
  • Use the App in any way that could damage, disable, or impair its functionality

No Financial Advice

Complete Personal Finance is a personal finance tracking and organisational tool. It does not provide financial advice, investment advice, tax advice, or legal advice. Nothing in the App constitutes a recommendation to buy, sell, or hold any financial instrument, take any tax position, or make any financial decision. Consult a qualified professional before making financial decisions.

Specifically:

  • Tax features: Tax tagging and summaries are for organisational purposes only. Verify all figures with a qualified Chartered Accountant before filing any tax returns. Tax laws change; the App may not reflect the latest regulations.
  • Investment tracking: Investment values are manually entered by you and may not reflect actual market prices. The App does not connect to any market data provider for individual investment valuations.
  • Debt payoff strategies: Payoff strategy comparisons (snowball, avalanche) are illustrative calculations based on the data you enter. They do not account for all factors relevant to debt management.
  • Budgeting: Budget recommendations and suggestions are based on your historical data only and are not personalised financial advice.

Accuracy of Information

Complete Personal Finance displays information based entirely on data you manually enter. We make no representations about the accuracy, completeness, or fitness for purpose of information shown in the App. You are responsible for verifying the accuracy of all data you enter and any calculations displayed.

Intellectual Property

The App and all content, features, and functionality are owned by the Complete Personal Finance developers and are protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the App.

Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or free of viruses.

Limitation of Liability

To the fullest extent permitted by applicable law, the Complete Personal Finance developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the App — including but not limited to financial losses arising from decisions made based on information displayed in the App.

Data Loss

We strongly recommend regularly backing up your data using the export feature (Settings → Data → Export). While iCloud sync is designed to be reliable, we cannot guarantee against data loss caused by device failure, iCloud issues, or user error. We are not liable for any loss of data.

Third-Party Services

The App uses Apple's iCloud and Sign in with Apple services (governed by Apple's terms), and the frankfurter.app API for exchange rates (used without user data). We are not responsible for the availability or accuracy of third-party services.

Governing Law

These Terms are governed by the laws of India. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of courts in India.

Changes to Terms

We may update these Terms from time to time. Material changes will be communicated by updating the "Last updated" date. Continued use of the App after changes constitutes acceptance.

Contact

For questions about these Terms, contact us at support@fintrack.app.