Privacy Policy for VAULTwiseAPP

Last Updated: May 2026

Summary: VAULTwiseAPP is designed as a local-first personal finance app. For this version, your financial data is stored locally on your device. VAULTwiseAPP does not require an online account and does not transmit your financial records to VAULTwiseAPP servers.

Introduction

VAULTwiseAPP is a personal finance management mobile application developed by Paths To Understanding LLC / PTU LLC.

This Privacy Policy explains how VAULTwiseAPP handles information when you use the app. VAULTwiseAPP is designed to help users track accounts, transactions, budgets, categories, bill reminders, recurring items, reports, and related personal finance information.

For this version of VAULTwiseAPP, your financial data is stored locally on your device. VAULTwiseAPP does not require an online account, does not operate a cloud account system, and does not transmit your financial records to VAULTwiseAPP servers.

Information Stored in the App

VAULTwiseAPP may store the following information locally on your device when you choose to enter it:

Account names, account types, and account balances
Transaction dates, amounts, categories, payees, notes, and descriptions
Budget names, budget amounts, limits, due dates, and budget progress details
Bill reminders and recurring transaction details
Project names and related financial tracking details
Category names, icons, and customization preferences
App settings such as theme preferences, dashboard preferences, and security preferences
Local PIN or passcode-related security settings

This information is entered, imported, or configured by you and is used to provide VAULTwiseAPP’s personal finance tracking features.

Information We Do Not Collect

For this version of the app, VAULTwiseAPP does not collect or receive your personal financial records on VAULTwiseAPP servers.

VAULTwiseAPP does not collect:

Analytics data
Advertising identifiers
Device identifiers for advertising or tracking
Crash reports sent to VAULTwiseAPP servers
Precise location data
Contacts
Photos or videos
Health data
Bank login credentials
Payment card numbers
Social Security numbers or government identification numbers

VAULTwiseAPP does not sell, rent, or trade your personal information.

Permissions Used

VAULTwiseAPP may request certain device permissions only when needed for app functionality.

Notifications

Notification permission may be used to send optional reminders about bills, budgets, recurring transactions, subscriptions, or other finance-related alerts you choose to create.

You can disable notifications at any time in your device settings.

Files and Storage

File or storage access may be used when you choose to import, export, back up, download, save, or restore data files such as CSV, QIF, or app backup files.

Exported files and backup files may contain sensitive financial information. You are responsible for storing, protecting, sharing, or deleting those files.

How Information Is Used

Information stored in VAULTwiseAPP is used to provide app functionality, including:

Tracking accounts and balances
Recording income, expenses, transfers, refunds, and returns
Organizing transactions by category
Creating and monitoring budgets
Displaying reports, charts, KPIs, and financial summaries
Managing recurring transactions and bill reminders
Supporting subscription reminders when you choose to use them
Importing, exporting, backing up, or restoring data when you choose to use those features
Protecting app access through local PIN or passcode features
Customizing the dashboard, categories, settings, and user experience

Data Storage and Security

VAULTwiseAPP stores app data locally on your device.

Where supported by the operating system, VAULTwiseAPP uses platform security features and secure local storage mechanisms for sensitive app settings such as PIN or passcode-related information.

No method of digital storage is completely secure. You are responsible for protecting your device, using a strong device passcode, keeping your app PIN private, and storing any exported or backup files securely.

Data Sharing

VAULTwiseAPP does not sell your data.

VAULTwiseAPP does not share your personal financial data with advertisers, data brokers, or third-party marketing companies.

For this version of the app, VAULTwiseAPP does not transmit your personal financial records to VAULTwiseAPP servers.

If you choose to export, back up, download, save, share, or move files outside of the app, those files may contain sensitive financial information. Any sharing, storage, or transfer of exported files is controlled by you.

Backups, Imports, and Exports

VAULTwiseAPP may allow you to create backup files, restore from backup files, import data, or export data in formats such as CSV or QIF.

These files may contain sensitive financial information. You should store backup and export files securely and avoid sharing them with others unless you understand the privacy risks.

If you delete the app, reset your device, or lose access to your device without a backup, locally stored app data may be lost.

Data Retention and Deletion

Because VAULTwiseAPP stores data locally on your device, your data remains on your device until you delete it or uninstall the app.

You may delete data by:

Deleting records inside the app where deletion features are available
Deleting backup or export files you created
Clearing app data through your device settings
Uninstalling the app from your device

Because VAULTwiseAPP does not maintain a server account for this version, Paths To Understanding LLC / PTU LLC cannot remotely access, recover, or delete data stored only on your device.

Children’s Privacy

VAULTwiseAPP is not directed to children under 13 years of age.

We do not knowingly collect personal information from children under 13. If you believe a child has provided information through the app in a way that reaches us, please contact us so we can review and respond appropriately.

Financial Disclaimer

VAULTwiseAPP is a personal finance tracking and budgeting tool.

VAULTwiseAPP does not provide banking services, loans, credit products, insurance, investment trading, cryptocurrency services, payment processing, money transfers, or regulated financial advice.

Information displayed in the app is based on data entered or imported by the user and should not be treated as professional financial, legal, tax, or investment advice.

Third-Party Services

For this version of VAULTwiseAPP, the app does not use third-party advertising networks or third-party analytics services to collect user data.

The app may be distributed through app stores such as Google Play, Apple App Store, or Amazon Appstore. Those platforms may process information according to their own privacy policies and account settings.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When changes are made, we will update the “Last Updated” date above.

Material changes may also be communicated through the app, the app store listing, or another reasonable method.

Contact Us

If you have questions about this Privacy Policy or VAULTwiseAPP privacy practices, contact:

Paths To Understanding LLC / PTU LLC
Washington State, United States
Email: support@vaultwiseapp.com