Legal
AIVA is a personal finance tracker built by an independent developer. This page explains, in plain language, exactly what information AIVA collects, why, and what control you have over it.
AIVA is developed and operated by Yassin Ahmed, an independent developer ("we," "us," "our"). This policy covers the AIVA mobile app (iOS and Android) and the pages on aivamoney.com that support it.
AIVA is built around data you choose to enter yourself. Here's exactly what that includes:
Your financial health score, daily insights, the AI Coach's suggestions and your goal projections are worked out on your device from the data already in your account. AIVA does not send your data to any outside AI service to produce them.
If you set up a Shortcuts automation, AIVA can add a payment from a bank text message or an app notification that you choose to forward to it. The message is read and interpreted on your device; the text itself is not sent to our servers. Only the result — the amount, the currency, whether it is income or an expense, a title (the sender or app name) and the date — is saved to your account, just like a transaction you add yourself.
To do this while the app is closed, AIVA keeps a private key on your device that can only add transactions to your own account. It cannot read or change anything else, and it is revoked when you sign out. AIVA has no access to your Messages app and does not connect to your bank.
When you scan a receipt, the photo is captured and read entirely on your device using your phone's built-in text-recognition engine. The photo itself is never uploaded to our servers — only the transaction details you review and confirm (merchant, amount, date, category) are saved to your account.
When you log a transaction by voice, your phone's built-in speech-recognition service converts what you say into text. That conversion happens through your device's operating system (Apple or Google), not through AIVA's own servers, and we do not store any audio recording. AIVA then reads that text on your device to pick out the amount, category and wallet - including when you name several transactions in one sentence - and shows you each one to review before anything is saved.
AIVA offers actions such as "Log an expense" and "Log income" that you can run with Siri, a double tap on the back of your iPhone, or the Action Button. Siri and Shortcuts are run by Apple on your device under Apple's own privacy terms; AIVA does not receive any recording. What AIVA receives is only the details of the entry you ask it to log (such as the amount, category and wallet), which it saves to your account like any other transaction.
If you add an AIVA widget, the figures it shows (such as your balance, budgets and bills) are shared between the app and the widget on your own device only. They are not sent anywhere else.
If you turn on app lock, unlocking is verified entirely by your device's own Face ID / biometric system. AIVA only ever receives a yes-or-no "unlocked" result from your operating system — we never receive, see, or store any biometric data ourselves.
If you enable push notifications (for example, budget or bill reminders), your device registers a notification token with us so we can deliver the reminders you've set up. We don't use this to send anything beyond what you've configured inside the app. Some notifications, such as the one that appears when a payment is logged automatically, are created on your device itself and do not pass through our servers.
AIVA does not currently use any third-party analytics, crash-reporting or advertising SDK, does not run ads, does not track you across other apps or websites, and does not sell or rent your personal information to anyone, for any purpose.
Your data is kept for as long as your account exists. You can permanently delete your account at any time from Profile → Delete Account inside the app. This immediately and permanently removes your account and every piece of data associated with it — transactions, budgets, goals, bills, and your profile — with no recovery period and no manual request needed. Signing out also revokes the private key that Automatic tracking uses on that device.
No method of transmission or storage is 100% secure, but we take reasonable, standard steps to protect your information.
Depending on where you live, you may have rights to:
To exercise any right not already available directly in the app, contact us at the email below and we'll respond as promptly as we can.
AIVA is not directed to children under 13 (or the equivalent minimum age in your country), and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us and we'll remove it.
Our service providers may process and store data in countries other than your own. Where this happens, we rely on those providers' own safeguards for cross-border data transfer.
We may update this policy as AIVA changes. If we make a material change, we'll update the "Last updated" date above, and where appropriate, notify you inside the app.
Questions about this policy, or a request about your data? Reach us at:
