Privacy Policy

Koinus LLC · Last updated September 9, 2026

This policy explains what Koinus LLC (“Koinus,” “we”) collects when you use the Koinus website, iPhone or Android app, and related services. It is written to match Apple App Store and Google Play data-safety questions. Using Koinus means you agree to this policy and the Terms of Use.

In short

We do not connect to your bank or ask for bank passwords.
We do not sell personal data or show advertising.
We do not use your data to track you across other companies’ apps or websites.
Scan reads files on your device. Only lines you confirm are saved to your books.
You can export or delete your account at any time from Settings or the deletion page.

Who we are

Koinus LLC operates Koinus from New York, United States. Contact support@koinus.com.

Information we keep

Account

Name, email address, and a hashed password if you sign in with email. If you use Apple or Google, those companies send us the name and email they already have for you.

Household

Membership, invite codes, and which books you share with a partner.

Books

Income, expenses, envelopes, categories, notes, and other amounts you enter or confirm, so the same books can open on another device.

Calendar

Event names, planned amounts, dates, repeat rules, and reminder times you save. They live in the encrypted household books. Both partners can edit them. Calendar amounts are plans only and do not post as income or expenses. If you enable phone reminders, we keep an encrypted notification subscription for your account and household. The push provider delivers a generic reminder without event names or amounts. Delivery identifiers help prevent repeated reminders and are removed after 14 days. Subscriptions are removed when disabled, expired, or when household membership ends.

Device

A signed-in session, optional app PIN or biometrics on this device, and an encrypted draft of unsaved edits. Sign-out clears the on-device draft.

Mail

We use Resend to send verification and password-reset email. That requires your email address and, when available, your name.

Billing

This version does not accept purchases. If you already have a subscription, Apple or Google processes the payment. We do not receive your card number. We may keep the plan name and whether it is active.

Information we do not collect

Bank logins or passwords; full card numbers; contacts; precise location; advertising IDs; or analytics that identify you to other companies. The camera is used only when you choose Scan. We do not upload your photo library.

Scan and documents

Scan runs only on your device. The photo, PDF, pasted text, or file shared from another app is read to pull payee, amount, and date. Koinus releases its temporary source files and raw text when the read finishes or you cancel. The scanner does not write them to device storage, upload them to our servers, share them, or send them to an AI service. The server refuses scan document uploads. Only the lines you confirm (payee, amount, date, category) go into your household books. Koinus does not delete the original file still sitting in your phone, email, or cloud. Details are in the document policy.

How we use information

To create your account, sync your household books, send sign-in mail, provide support you ask for, keep the service secure, and meet the law. We do not use your books for advertising or to train public AI models.

Who we share with

We share information only as needed to run Koinus: our hosting and database providers; Resend for account email; Apple or Google if you sign in or bill through them; and a household partner you invite. If you email Support or share a screenshot, your mail or sharing app receives what you send. We do not sell or rent personal information. We may disclose information if required by law.

Security

Information is encrypted in transit (HTTPS). Saved budget records use AES-256-GCM with server-managed keys. This is not end-to-end encryption: the server must open records to sync your household. Encrypted drafts on the device use a non-extractable key; if the device cannot encrypt, the draft is not written. Budget backup downloads are encrypted on your device with a password you choose. Koinus does not receive or save that backup password. You control the downloaded file; we cannot recover a forgotten backup password. Older JSON exports may be unencrypted. Sign-in passwords are stored as hashes. This does not make the service risk-free.

Retention

Account and book data stay until you delete the account or we must keep a record of a legal request. Scan source files and raw text are released after reading or cancellation; unconfirmed review fields are discarded when the review closes. Account emails follow the email provider’s retention. Backups, logs, and copies you or a partner exported are not instantaneously erased everywhere.

Your choices

Export a copy: Settings → Books → Export encrypted backup.
Delete the account: Settings → Account → Delete account, or the website deletion page. Deletion removes your sign-in, personal books, and household membership after the server confirms. If a partner remains, shared books stay with them. Cancel any subscription separately with Apple or Google.
Help answers run on your device. Help questions and budget summaries are not sent to an AI service.

Children

Koinus is a household ledger for adults. It is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has created an account, email support@koinus.com and we will delete it.

Changes

We may update this policy as the product changes. The date at the top is the current version. Continued use after an update means you accept the revised policy.

Contact

Privacy questions: support@koinus.com. Also see Support.

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