Privacy Policy

1. Who is responsible for data

This Policy describes data processing in the Karman app and at karmanbudget.app. Karman is owned and developed by Anatoli Baranov. Contact hello@karmanbudget.app with privacy questions or requests concerning your rights.

By using Karman, you acknowledge this Policy. If you do not agree with it, do not use the app or website.

2. Data we process

• Financial data you enter, including databases, accounts, balances, transactions, transfers, categories, tags, counterparties, access settings, and backups.
• Collaboration data, including invitations, guest roles, account visibility, and CloudKit identifiers required for synchronization.
• Subscription information, including product identifier, purchase status, expiration, cancellation, or revocation. Karman does not receive your card number or full payment credentials.
• Technical and diagnostic data, such as app and operating-system versions, device model, language, usage events, crash and performance information, and pseudonymous identifiers generated by Apple or Firebase.
• Information submitted through the website or email, such as your name, email address, message, and request data needed to deliver the message and protect the form from abuse.

3. Where financial data is stored

Core financial data is stored locally on your device. If you enable synchronization or sharing, it is transmitted to your iCloud/CloudKit and processed by Apple according to your Apple Account settings and Apple’s terms.

When a database is shared, invited users receive only the access assigned by its owner. The owner is responsible for selecting invitees and revoking access. Exported backup files remain in the location you choose and under your control.

4. Analytics and diagnostics

Karman uses Firebase Analytics and Firebase Crashlytics provided by Google. These services may process technical data, interaction events, crash and performance information, and app-instance information. We use them to understand product operation, fix errors, and maintain security.

The exact data depends on the app version, device settings, permissions, and service configuration. You can limit analytics using available device and app settings. Google’s policies govern Google’s processing as a service provider.

5. Purchases and subscriptions

Apple processes Karman Family purchases through the App Store and StoreKit. Apple determines trial eligibility, accepts payment, and handles refunds. Karman receives verified information needed to unlock features and restore purchases, but not your complete payment credentials.

6. Purposes and legal bases

• Providing requested features, synchronization, sharing, backups, and subscriptions: performance of our terms and your request.
• Responding to messages: your request, consent, and our legitimate interest in user support.
• Diagnostics, analytics, security, and improvement: consent where required and our legitimate interest in maintaining a reliable product.
• Compliance with law and protection of users’ and the developer’s rights: legal obligations and legitimate interests.

7. Service providers and transfers

Data may be processed by providers necessary to operate Karman: Apple for the App Store, StoreKit, iCloud, and CloudKit; Google/Firebase for analytics and diagnostics; and infrastructure providers used to host the website and deliver messages. Providers may process data in other countries under their own terms and safeguards.

We do not sell personal data or share it for third-party behavioral advertising. We may disclose data when required by law or reasonably necessary to protect rights, safety, and prevent abuse.

8. Retention and deletion

Local and iCloud data remains until you delete it, delete the database, or stop using the relevant iCloud container. Deleting the app does not necessarily remove iCloud data or backup files you created.

Diagnostic and analytics data is retained according to Firebase settings and applicable requirements. Correspondence is retained as needed to respond, provide support, maintain security, and comply with legal duties, then deleted or de-identified.

To request deletion of data available to the developer, email hello@karmanbudget.app. Information in your Apple Account, iCloud, or App Store may need to be managed separately through Apple.

9. Security, your rights, and children

We use reasonable technical and organizational safeguards, but no storage or transmission method is completely secure. Protect your device, Apple Account, backup files, and sharing invitations.

Depending on your location, you may have rights to access, correct, delete, restrict, or receive your data, object to processing, or withdraw consent. Email hello@karmanbudget.app. We may need to verify your identity before completing a request.

Karman is not directed specifically to children under 13 or the minimum age of digital consent in their country. Minors should use Karman with permission from a parent or legal guardian.

10. Changes and contact

We may update this Policy when Karman, our providers, or applicable law changes. The current version and update date will remain available here. We may provide additional notice of material changes in the app or on the website.

Owner: Anatoli Baranov. Email: hello@karmanbudget.app. Website: https://karmanbudget.app/.