FI Architect Privacy Policy

Effective date: July 7, 2026

FI Architect is a personal financial planning app. The app is designed to work primarily on-device. Scenario data, settings, and planning inputs are stored locally on your device unless you choose to export, import, or use AI-powered features.

Information You Provide

Depending on how you use the app, FI Architect may process financial planning information such as income, expenses, assets, debts, taxes, retirement assumptions, documents you choose to import, and AI prompts you choose to send.

AI Features

When you use FI Architect AI, your prompt and relevant scenario context, or a document you explicitly select, is sent through FI Architect’s Cloudflare Worker to OpenAI to generate the requested response. Do not submit information you do not want processed by AI services.

Purchases

In-app purchases and subscriptions are processed by Apple. FI Architect does not receive your full payment card number or Apple ID password. Apple transaction status is verified by the backend to provide subscription access.

Service Security and Usage Controls

FI Architect creates a random installation identifier retained in the Apple Keychain and uses Apple’s App Attest and DeviceCheck services to prevent fraud. Subscription status, AI prompt counts, and estimated AI usage cost are retained server-side so reinstalling the app does not reset included AI usage. These records are used only for app functionality, entitlement enforcement, security, and service reliability.

Local Storage and Exports

Scenario data is stored locally on your device. If you export a JSON or CSV file, you control where that file is saved or shared. If you import a backup file, imported Pro entitlement fields are ignored and Apple purchase status remains the source of truth for subscription access.

Tracking and Advertising

FI Architect does not sell your personal information and is not designed to track you across third-party apps or websites for advertising.

Security

FI Architect uses reasonable technical safeguards, including keeping AI provider API keys off-device, short-lived authenticated sessions, Apple device verification, and server-side usage limits. No method of electronic storage or transmission is completely secure.

Children

FI Architect is intended for adults or supervised household financial planning use. It is not directed to children.

Contact

For privacy questions, contact njl.laboratory@gmail.com.