Finance Everything
Privacy Policy and Terms of Use. Effective September 30, 2026.
Finance Everything is a personal, single-user application operated by and for its sole user, Spencer Hubert. It is distributed privately via TestFlight and is not offered to the general public.
Privacy Policy
What data the app handles
With the user's explicit authorization, through Apple's FinanceKit, the app reads the user's own Apple Card and Apple Cash accounts: their balances and transactions. Access is read-only. The app handles no other personal data.
Where data goes
The data is read on the user's iPhone and sent only to computers and servers owned and controlled by the same user, over TLS. No data is sent to any third party for any purpose.
What we never do
- No advertising, ad measurement, or tracking of any kind.
- No third-party analytics or telemetry SDKs.
- No sale or sharing of data; no data brokers.
- Financial data accessed via FinanceKit is displayed to the user and used for the user's own personal financial management only. It is never shared beyond the user and their own computers.
Retention and deletion
The user owns the computers and all stored data outright and can delete any or all of it at any time. The user can also stop the app's access to their financial data at any moment in the Wallet settings on their iPhone.
Terms of Use
- The app is for the personal use of its operator and invited testers only.
- It shows the user's own financial information. It does not provide financial, tax, legal or investment advice, and it does not move money or make payments.
- The app is provided as is, without warranty of any kind.