Privacy Policy
Effective date: November 12, 2026
Saver – AI Expense Tracker
This Privacy Policy explains how Azat Sapar, the independent developer of Saver – AI Expense Tracker (“Saver,” the “App,” “we,” or “us”), collects, uses, stores, and protects personal data.
This Policy applies to the Saver mobile application, the website at getsaver.app, related services, and customer support communications.
Developer and contact information is provided in Section 12.
1. Data Stored on Your Device
By default, financial information that you enter or create in Saver is stored locally on your device.
This information may include:
- financial accounts and balances;
- income, expenses, and transfers;
- transaction categories and subcategories;
- budgets, savings, and financial goals;
- bank and financial institution names;
- transaction dates, amounts, currencies, and descriptions;
- notes, tags, and application settings;
- financial records imported from files.
Saver does not require you to register or create an account.
We do not operate a centralized database containing your complete financial transaction history.
Certain optional features involve transferring limited information to external service providers. These activities are described below.
2. iCloud and Backups
Saver supports optional financial data backups through iCloud Drive.
This feature is enabled only when you choose to activate it in the App's settings.
When enabled, backup data is transferred to the iCloud storage associated with your Apple Account.
We do not use our own servers to permanently store these backups.
You can manage backups using Saver's available features. Performing a full data reset also removes Saver's iCloud backups that are managed by the App's deletion mechanism.
Apple processes iCloud data in accordance with its own terms and privacy policy.
3. Importing Bank Statements
Saver allows you to import financial transactions from files you select.
These files may contain transaction dates, amounts, currencies, payment recipients, descriptions, and other financial information.
Bank statement import and processing take place locally on your device.
After import, the original file is not retained as a separate document within Saver. Only the financial records required by the App are saved.
The bank statement import feature does not transmit the contents of your statements to our servers or external AI services.
4. Artificial Intelligence Features
Saver uses artificial intelligence to process voice messages and receipt photographs.
AI processing is performed through OpenRouter using the GPT-4o model.
When you use these features, the following information may be transmitted:
- a voice message or receipt photograph you provide;
- financial transaction category names;
- the name of the relevant financial account;
- transaction amount;
- transaction date.
Voice recordings and receipt images may contain additional information that you include in the submitted content.
AI requests follow this processing route:
Saver → Cloudflare Workers → OpenRouter → AI model provider.
Cloudflare Workers serves as intermediary serverless infrastructure for processing and forwarding requests.
We do not permanently store voice recordings, receipt images, or AI request contents on our own servers.
Limited technical logs may be generated for security, diagnostics, and service reliability. These logs do not contain voice recordings, receipt images, or AI request contents.
Saver does not transmit account balances, complete bank statements, or your entire transaction history to AI services.
Our OpenRouter configuration restricts routing to providers that do not use request data for model training and applies Zero Data Retention routing restrictions.
These restrictions concern the retention of request contents by inference providers. They do not necessarily prevent the processing of technical metadata or retention permitted under applicable policies and exceptions.
AI features are optional. Before personal data is shared with external AI services, users are informed about the processing and asked to provide the necessary permission.
You can track and manage your finances without using AI features.
For more information:
- OpenRouter: https://openrouter.ai/privacy
- OpenAI: https://openai.com/policies/privacy-policy/
- Cloudflare: https://www.cloudflare.com/privacypolicy/
5. Subscriptions and Purchases
Saver offers paid features through subscriptions purchased via the App Store.
Payments are processed by Apple. We do not receive your full payment card numbers or Apple Account passwords.
Saver uses RevenueCat, Inc., to manage subscriptions and purchase entitlements.
RevenueCat may process:
- application user identifiers, including anonymous identifiers;
- purchased products and subscription information;
- transaction identifiers;
- subscription status and relevant dates;
- device and application version information;
- technical information necessary to operate the subscription service.
This information is used to verify purchases, provide access to paid features, and restore subscription entitlements.
RevenueCat processes this information according to its own privacy policy:
6. Mobile App Analytics
We use standard Apple analytics tools available through App Store Connect to understand Saver's usage and performance.
Depending on Apple's settings, we may receive statistical information about downloads, purchases, application usage, crashes, and performance.
This information is used to improve the reliability and quality of the App.
The mobile application does not use advertising SDKs from Meta, TikTok, or other advertising platforms.
We do not use your financial transactions to create advertising profiles.
7. Website Analytics, Cookies, and Advertising Technologies
The Saver website at getsaver.app uses analytics and advertising measurement services, including:
- Google Analytics — to analyze website traffic and visitor interactions;
- Yandex Metrica — to measure traffic, visitor behavior, and website performance;
- Meta (Facebook) — to measure advertising campaign performance and, depending on configuration, create advertising audiences;
- TikTok — to measure advertising conversions, attribution, and, depending on configuration, support advertising targeting.
These services may process website visitor information, including:
- IP addresses;
- browser and device characteristics;
- operating system information;
- pages visited;
- website events and interactions;
- referral sources;
- cookies and similar identifiers.
The website may use essential cookies, analytics cookies, advertising pixels, and similar technologies.
Where required by applicable law, non-essential analytics and advertising technologies are activated only after the visitor provides the relevant consent.
Visitors can decline non-essential technologies and modify their privacy preferences using the consent management controls provided on the website.
Financial transactions, account balances, and imported bank statements from the Saver mobile application are not shared with these website analytics and advertising services as part of the described website analytics activities.
Third-party privacy policies:
8. Customer Support
If you contact customer support, we may process:
- your email address;
- the contents of your message;
- attachments and images you provide;
- other information you voluntarily share.
This information is used to respond to your inquiry, investigate technical issues, and provide assistance.
We use Zoho Mail to receive and manage support correspondence.
Support messages and attachments are processed using Zoho's infrastructure and may be retained for as long as necessary to handle requests, maintain relevant support history, comply with legal obligations, or protect legitimate interests.
Contact email: privacy@getsaver.app
We recommend that you do not include passwords, complete payment card numbers, or unnecessary sensitive financial information in support messages.
9. Data Recipients and International Transfers
Depending on the features you use, personal data may be processed by:
- Apple — App Store services and iCloud;
- RevenueCat — subscription management;
- Cloudflare — serverless processing of AI requests;
- OpenRouter and AI model providers — AI request processing;
- Zoho — email hosting and customer support;
- Google and Yandex — website analytics;
- Meta and TikTok — advertising measurement and other configured website advertising functions.
These service providers may process personal data in countries outside your country of residence.
Such processing is subject to applicable data protection laws, relevant service provider terms, and appropriate international data transfer safeguards where required.
We may also disclose information to public authorities where required by applicable law.
10. Data Retention, Security, and Deletion
We use reasonable technical and organizational measures designed to protect personal data against unauthorized access, alteration, loss, or disclosure.
Financial information stored locally remains on your device until you delete it.
You can delete individual records or use Saver's full data reset feature, which also deletes iCloud backups managed by the App.
AI request contents are not permanently stored in developer-operated storage. Limited technical logs may be retained for security and diagnostic purposes.
Third-party service providers retain information according to their applicable policies, service configurations, contractual obligations, and legal requirements.
Subscription information may be retained as necessary to provide paid features, restore purchases, and satisfy applicable legal obligations.
Support correspondence is retained for as long as reasonably necessary to respond to inquiries and fulfill relevant obligations.
11. Your Rights
Depending on applicable law, you may have the right to:
- obtain information about the processing of your personal data;
- request access to your personal data;
- correct inaccurate information;
- request deletion of personal data;
- restrict or object to certain processing activities;
- withdraw consent where processing is based on consent;
- receive personal data in a portable format where legally applicable;
- lodge a complaint with a competent data protection authority.
You can manage your financial information directly within Saver.
To submit a privacy-related request concerning information processed by the developer or service providers, contact privacy@getsaver.app.
We may request information reasonably necessary to verify that the request relates to you.
Withdrawing consent does not affect the lawfulness of processing performed before the withdrawal.
12. Developer and Contact Information
The person responsible for the processing of personal data, to the extent applicable under relevant law, is:
Azat Sapar
Independent Developer — Individual
Address:
16 Shakena Aimanova Street, Apartment 13
Astana, 010000
Kazakhstan
Email: privacy@getsaver.app
Website: https://getsaver.app
13. Changes to This Privacy Policy
We may update this Privacy Policy when Saver's features, service providers, data processing practices, or applicable legal requirements change.
The current version and its effective date will be published on the official Saver website.