Privacy Policy — Stackd

Last updated: 8 July 2026 · Provided by StackdBudget

Stackd ("the app", "we", "us") is a personal budgeting app. This policy explains what data the app handles and how. Stackd is designed to be local-first: your financial information is stored on your own device, not on our servers.

1. Data stored on your device

The following is saved only in local storage on your device and is never transmitted to us:

Transactions you add or import (description, amount, date, category)
Income, recurring payments and one-off payments
Budgets, jars (allocations) and category mappings
Merchant-to-category memory the app learns as you categorise
App settings (currency, financial-year preference, etc.)

We do not have a server that receives, stores, or can access this data. If you uninstall the app or use Settings → Clear all data, this information is permanently removed from your device.

2. AI features (Chat, Insights, Tips)

When you choose to use an AI feature, the app sends a summary of your financial data (such as spending totals and top categories) and your typed question to Anthropic, PBC, which operates the Claude AI model that generates the response. This only happens when you actively use an AI feature.

Anthropic processes this data to return a response and, under its API terms, does not use API inputs or outputs to train its models. We do not store your AI requests or responses on any server of ours — the conversation lives only on your device. Anthropic's handling of the data is governed by its own privacy policy: anthropic.com/legal/privacy.

If you never use the AI features, no financial data leaves your device.

3. Importing files

When you import a CSV or spreadsheet, the file is read and parsed on your device. The file contents are not uploaded to us. (If the file has low-quality column headers and you have AI enabled, a small sample of rows may be sent to Anthropic to help detect columns — see Section 2.)

4. Registration / "Register interest" form

If you choose to enter your name and email on the optional interest form, those details are currently saved only on your device and are not transmitted to us.

5. What we do NOT do

We do not sell or rent your data to anyone.
We do not show ads.
We do not use third-party analytics or tracking SDKs.
We do not require an account to use the app.

6. Data the app accesses on your device

Permission / access	Why
File picker	So you can select a CSV/spreadsheet to import. We only read the file you choose.
Network / internet	Only to call the Anthropic AI API when you use an AI feature.

7. Children

Stackd is not directed to children under 13 (or the minimum age in your country) and we do not knowingly collect data from them.

8. Security

Your data is stored within the app's private storage on your device. AI requests are sent over an encrypted (HTTPS) connection.

9. Your choices

Use the app fully without ever using AI features, keeping all data on-device.
Export your data at any time (Settings → Export to CSV or Back Up All Data).
Delete all data at any time (Settings → Clear all data), or by uninstalling the app.

10. Changes to this policy

We may update this policy as the app evolves. Material changes will be reflected by updating the date at the top of this page.

11. Contact

Questions about this policy? Contact us at amrat.saeed@gmail.com.