Privacy Policy

This policy applies to the Savvey Cash iOS app and the website at savvey.cash. The website is a marketing site. It does not use an analytics snippet or advertising cookies. If you join the waitlist, that form is handled by Tally, as described below.

The app is intended for people 13 years of age or older. We do not knowingly collect personal information from children under 13. There is no account to delete. If you believe a child under 13 has joined the waitlist, email us and we will delete that submission.

• Budget data (envelopes, spends, cash on hand): stored on your iPhone. We do not upload envelopes or transactions to our servers.
• Setup you enter: goals from a fixed list, Allocation Day, currency, optional salary, and notification settings. These stay on the device. The salary figure is not sent to analytics.
• No account. The app does not ask for an email, name, or password, and it does not offer Sign in with Apple or Google.
• Free: no subscription, trial, or in-app purchase. We do not receive payment or entitlement data.
• Analytics: product events in the app only, under PostHog’s anonymous distinct id — not an email or name. We do not send balances, envelope titles, remarks, salary, or the exact Allocation Day. The website does not use analytics.
• Crash reports: technical diagnostics. We do not attach a user id, name, or email.
• Notifications: on-device only. We do not send remote push from our servers.
• Waitlist: if you join on the website, the form asks for your email address only. Tally receives that submission. Email us to be removed.
• Support: email only, hello@savvey.cash.
• Ads / tracking: no ads, no Advertising Identifier (IDFA), no sale of personal information.

3.1 Information you provide

Onboarding and Profile: goals you select from a fixed list; Allocation Day and display currency; an optional salary, used only as a guide on the device; notification permission and reminder times.

Budget records you create: envelope names, types, amounts, schedules, remarks, transaction history, and cash-on-hand figures. These records run the app on your device. They are not synced to a cloud database. The app does not include an export control.

Support: whatever you include when you email hello@savvey.cash.

Waitlist: the form on savvey.cash asks for your email address only. Submitting it sends that address to Tally. We use it to tell you when the app is available.

Optional third-party pages: if you open Feedback Board (UserJot) or Message the Founder (Instagram), those services’ own policies apply to what you submit there.

3.2 Information collected automatically

On the device: a local database, your settings, and notification permission, so the app can work offline.

When you are online: app analytics events and crash diagnostics, plus technical data our processors typically receive (such as IP address, device and OS version, and request time). We do not use this for advertising. We do not store sign-in tokens or a subscription status.

We do not collect precise location, your contacts, microphone, health data, photos, gender, or date of birth.

3.3 What we do not send to analytics

We do not send to PostHog: amounts, balances, monthly allocation figures, envelope titles, transaction remarks, salary, the exact Allocation Day, notification clock times, email, name, IDFA, or GPS.

The analytics identifier is PostHog’s anonymous distinct id. It is not an account. Session replay and UI autocapture are off. The website has no analytics snippet.

1. Provide the app — onboarding, envelopes on the device, and local reminders.
2. Improve the product — sanitised in-app analytics (funnels, and whether a save succeeded).
3. Keep the app reliable — crash and error reports.
4. Waitlist — email you when the app is available, if you joined.
5. Support — reply to email you send us.
6. Legal and safety — comply with law, prevent abuse, protect our rights.

Legal bases. Where GDPR/UK GDPR applies: contract (providing the app); legitimate interests (security, product improvement, crash diagnosis); consent (notifications, and the waitlist email you submit); legal obligation. Where Malaysia’s Personal Data Protection Act 2010 applies, we process personal data for the purposes stated in this policy.

We do not sell personal information. We do not share it for cross-context behavioural advertising.

Processors (on our instructions):

• Apple — distributing the app on the App Store, and on-device notification APIs. We do not use Sign in with Apple or App Store billing.
• PostHog (United States) — in-app product analytics. An anonymous distinct id, allowlisted event names, and non-financial properties (such as selected goal ids, currency, an Allocation Day band, envelope counts, notification windows, and device settings).
• Sentry (United States) — crash / performance diagnostics. Stack traces, device/OS, breadcrumbs. Default PII is off; we do not attach a user id.
• Tally — the waitlist email, only if you submit the form. Per Tally’s privacy policy.
• UserJot / Instagram — optional pages you open. Only if you use those destinations.

PostHog and Sentry are configured in the United States. Other processors may also process data in the US and elsewhere. If you are in the EEA/UK, that can involve an international transfer under those vendors’ safeguards (for example Standard Contractual Clauses).

The app is free and is licensed under Apple’s Standard Licensed Application End User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. There are no in-app purchases. Apple’s privacy practices apply to downloading the app from the App Store.

If you allow notifications, Daily Brief and Evening Check are scheduled locally on your iPhone. We do not run a push server for those reminders. Turn them off in iOS Settings at any time.

Savvey Cash is free. There is no subscription, trial, or in-app purchase. We do not receive payment or entitlement data from Apple.

Everything you enter in the app stays on that iPhone. There is no cloud copy, and there is no account to sign out of or delete.

Deleting the app removes the local database on that device. Wiping the device does the same. We cannot delete on-device data from our side.

Email hello@savvey.cash to be removed from the waitlist, or about a support message you sent us. That does not remove content you posted on UserJot or Instagram.

• On-device budget data and settings: until you delete the app or wipe the device.
• Waitlist email: until you ask us to delete it, or until we no longer need it to tell you the app is available.
• Support email: as long as needed to handle your request and for a reasonable follow-up period.
• Analytics (PostHog): up to 24 months, then deleted or aggregated.
• Sentry: according to Sentry’s project retention (typically weeks to a few months).

Network calls use TLS. Budget records are not sent to analytics. No system is perfectly secure. You are responsible for your device passcode.

Savvey Cash is a record-keeping app. It is not a bank, and it is not tax or legal advice.

Depending on where you live (including Malaysia, the EEA/UK, and California), you may have rights to access, correct, delete, export, restrict, or object to certain processing, and to withdraw consent.

• Edit Allocation Day, currency, salary, and notifications in Profile.
• Delete local data by deleting the app.
• Email hello@savvey.cash to remove a waitlist address, or for anything the app cannot do.

We will not discriminate against you for exercising privacy rights. We do not “sell” or “share” personal information as those terms are used in the CCPA/CPRA.

You may complain to a data protection authority (in Malaysia, the Personal Data Protection Department, where applicable).

We operate from Malaysia. Processors, including PostHog and Sentry, process data in the United States and possibly other countries. Tally processes a waitlist email under its own privacy policy. If that is not acceptable, do not use the app or join the waitlist.

We may update this policy. The “Last updated” date will change. Material changes will be posted at https://www.savvey.cash/privacy. Continued use after an update means you accept the revised policy, except where law requires consent.

When Savvey Cash is registered as a company in Malaysia, we will update the controller details on this page.

Savvey Cash
Operated from Malaysia

Email (privacy, support, and all enquiries): hello@savvey.cash

App: Savvey Cash for iOS