Privacy Policy

1. Who we are

Myri is a personal finance application for iPhone developed and operated by John Jestin ("we", "us", "our"). The app is available at myri.money. For questions about this policy, contact us at [email protected].

2. The core principle: on-device only

Myri is built around a deliberate architectural decision: we operate no servers and collect no user data.

All financial information you enter into Myri (including accounts, transactions, budgets, goals, and personal details) is stored exclusively in encrypted local storage on your iPhone using Apple's SwiftData framework. This data is:

• Never transmitted to Myri's systems (we have none)
• Never shared with third parties
• Never used for advertising or profiling
• Accessible only to you, on your device

This is not a temporary limitation: it is a permanent product decision. Myri will never introduce a backend that processes your financial data.

3. What data Myri stores (on your device only)

When you use Myri, the following data is stored locally on your iPhone:

• Profile information: your name and email address (entered during setup or populated via Sign in with Apple)
• Financial accounts: account names, types, balances, and bank identifiers (sort code and account number) you enter for CSV auto-detection
• Transactions: dates, amounts, merchant names, categories, and notes you add or import from CSV files
• Budgets and goals: category limits, goal targets, and contribution history
• Preferences: income, pay frequency, pay date, app lock settings, and notification preferences

None of this data ever leaves your device to Myri.

4. Sign in with Apple (optional)

During onboarding, you can optionally use Sign in with Apple to pre-fill your name and email address. If you choose to do so:

• Apple provides your name and email address directly to the app on your device
• This information is stored locally in Myri, never transmitted to us
• You may choose to share your real email or Apple's private relay address
• This feature is entirely optional: you can enter your name manually instead

Apple's handling of Sign in with Apple is governed by Apple's Privacy Policy.

5. iCloud backup

If you have iCloud backup enabled on your iPhone, your Myri data may be included in your device's iCloud backup alongside all other app data. This means:

• Your Myri data could be restored to a new iPhone from iCloud backup
• Apple encrypts iCloud backups, and Myri has no access to your backup data
• iCloud backup is governed by Apple's iCloud Terms and Conditions

6. CSV bank statement imports

Myri allows you to import CSV files exported from your bank. When you do this:

• The CSV file is read directly on your device
• Parsed transaction data is stored locally in Myri
• The original CSV file is not retained by Myri after import
• No CSV data is transmitted to any server

7. Notifications

If you grant notification permissions, Myri may send local notifications to your device (for example, budget limit alerts). These notifications are generated entirely on your device. No notification data is sent through our servers. We use Apple's local notification framework only.

8. Analytics and crash reporting

Myri contains no analytics SDKs, no crash reporting tools, and no third-party tracking libraries of any kind. We do not use Firebase, Mixpanel, Amplitude, Crashlytics, or any similar services.

Apple may collect anonymised, aggregated app performance data through App Store Connect. This is governed by Apple's privacy policy and is not associated with your financial data.

9. This website (myri.money)

This website is hosted on Vercel. Vercel may collect standard server access logs (IP address, browser type, pages visited) as part of normal web hosting operations. This data is separate from the Myri app and is not associated with your financial information. Vercel's privacy policy applies: vercel.com/legal/privacy-policy.

This website does not use cookies for tracking, advertising, or analytics.

10. Financial guidance, not regulated advice

Myri provides general financial guidance and educational information. It does not provide regulated financial advice as defined by the Financial Services and Markets Act 2000 (FSMA). The guidance in Myri:

• Is based on generic UK financial principles and publicly available information
• Does not constitute a personal recommendation to buy, sell, or transfer any financial product
• Should not be relied upon as a substitute for professional financial advice

For advice specific to your circumstances, consult an FCA-authorised financial adviser or visit MoneyHelper for free, impartial guidance backed by the government.

11. Children's privacy

Myri is not designed for or directed at children under the age of 13. We do not knowingly collect any information from children.

12. Your rights

Because Myri operates no servers and holds no user data, most data rights (access, portability, erasure) are exercised directly on your device:

• Access your data: it is visible in the app at all times
• Delete your data: use "Reset Myri" in Profile, or delete the app
• Export your data: export functionality is on our roadmap

If you have questions about your data or this policy, email [email protected].

13. Changes to this policy

We may update this policy from time to time. If we make material changes, we will update the date at the top of this page and, where appropriate, notify you through the app. Continued use of Myri after changes constitutes acceptance of the updated policy.

14. Contact

For questions, concerns, or requests relating to this privacy policy, email [email protected]. For general help with the app, see our Support page.