PHitaka · Privacy & Terms

Summary

PHitaka is designed to keep your financial data on your own device. We do not run servers that collect or store your transactions, budgets, or account balances. The only data that ever leaves your device is described in Sections 3 and 9 below, and only when you actively use those specific features.

Information stored locally on your device

The App stores the following directly on your device, never on our servers:

Transactions, categories, budgets, savings goals, wallet and account names and balances, recurring transaction rules, and your language preference.
If you use the AI Assistant feature, your Google Gemini API key is stored in your device's secure credential storage (Keychain on iOS, Keystore on Android).

This data is not accessible to us. If you uninstall the App, this data is deleted unless you have exported a backup.

Information sent to third-party services

We use a small number of third-party services to power specific optional features. When you use these features, the minimum necessary data is sent directly from your device to that service's provider, never through our own servers.

3.1 AI Assistant (Google Gemini API)

If you choose to enable the AI Assistant and provide your own Google Gemini API key, the text you type describing your transactions is sent directly from your device to Google's Generative Language API to be interpreted into structured transaction data. This is subject to Google's Privacy Policy and Gemini API terms. We do not receive, log, or store this text ourselves. This feature is entirely optional and off by default.

3.2 Subscriptions (RevenueCat, Apple App Store, Google Play)

If you purchase PHitaka Pro, your purchase is processed by Apple's App Store or Google Play. We use RevenueCat to verify your subscription status across devices; RevenueCat receives your purchase and transaction identifiers and entitlement status, but not your payment details. We never see your card number or bank information, that stays with Apple and Google. See RevenueCat's Privacy Policy for details.

What we do not do

We do not sell your data.
We do not show third-party advertising.
We do not have a backend server storing your financial transactions.
We do not track you across other apps or websites.

Data export and deletion

You can export your data at any time (Settings to Data and Backup) or delete it by uninstalling the App or clearing its data from your device settings.

Children's privacy

PHitaka is not directed at children under 13, and we do not knowingly collect information from children under 13.

Changes to this policy

We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last updated" date above.

Contact us

If you have questions about this Privacy Policy, contact us at phitaka.support@gmail.com.

AI Assistant data processing

PHitaka's AI Assistant is powered by Anthropic's Claude. When you use it, the following happens:

Your message text, and the receipt photo if you attach one, is sent to Anthropic through our Cloud Function, which relays it for parsing. The data is processed only to answer your request.
If you add your own Anthropic API key in Settings, requests go directly from your device to Anthropic, and we do not receive, log, or store them.
Your chat history is stored locally on your device.

Anthropic's handling of this data is subject to the Anthropic Privacy Policy. The AI Assistant is an optional feature.

Acceptance of terms

These Terms of Service (the "Terms") govern your use of the PHitaka mobile application (the "App"), provided by Sari-Sari Labs ("we," "us," or "our"). By downloading or using the App, you agree to these Terms.

The service

PHitaka is a personal budgeting and expense-tracking app. Core features (adding transactions, budgets, wallets, savings goals, and Padala tracking) are free to use. Certain features ("PHitaka Pro") require a paid subscription or one-time purchase, as described in the App.

Subscriptions and purchases

Subscription prices are shown in the App at the time of purchase and are charged through the Apple App Store or Google Play, subject to their respective terms.
Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period, managed through your Apple ID or Google Play account settings.
Refunds are handled according to Apple's and Google's respective refund policies, not directly by us.
Lifetime purchases are one-time and do not renew.

Your data

You are solely responsible for the accuracy of financial information you enter into the App. PHitaka is a personal tracking tool and does not constitute financial, tax, or legal advice. See our Privacy Policy for how your data is handled.

AI Assistant feature

If you choose to use the AI Assistant, you are responsible for obtaining and safeguarding your own Google Gemini API key, and for any usage of that key against Google's terms and quotas. We are not responsible for the accuracy of AI-parsed transactions. You can always review and edit them before they are added.

Acceptable use

You agree not to reverse-engineer, decompile, or misuse the App, or use it for any unlawful purpose.

Disclaimer of warranties

The App is provided "as is" without warranties of any kind, express or implied. We do not guarantee the App will be error-free or uninterrupted.

Limitation of liability

To the maximum extent permitted by law, Sari-Sari Labs shall not be liable for any indirect, incidental, or consequential damages arising from your use of the App, including financial decisions made based on information in the App.

Changes to these terms

We may update these Terms from time to time. Continued use of the App after changes constitutes acceptance of the updated Terms.

Contact us

Questions about these Terms can be sent to phitaka.support@gmail.com.