Last updated: 19 July 2026
Panammoney is designed to be private by default. This policy explains, in plain language, what the app does and does not do with your information.
The short version: Panammoney does NOT collect, transmit, sell, or share your personal or financial information. Everything you enter stays on your device (and, if you enable it, in your own private iCloud account). We have no servers that receive your data, and we do not use analytics or advertising trackers.
What data the app stores: When you use Panammoney, you may enter information such as transaction amounts, categories, dates, notes, and recurring-bill details. This information is stored locally on your device using Apple's on-device database. If you are signed in to iCloud and have iCloud enabled for Panammoney, this data may sync privately through your own iCloud account so it is available across your devices. This uses Apple's iCloud infrastructure; it is controlled by your Apple Account and is not accessible to us. You can turn this off in your device settings at any time.
The AI Money Coach: Panammoney includes an optional AI Money Coach. When your device supports Apple's on-device intelligence, the coach runs entirely on your device using Apple's built-in language model. Your questions and your financial data are NOT sent to us or to any third-party AI service. On devices that do not support on-device intelligence, the coach falls back to simple calculations performed locally on your device.
What we do not collect: We do not collect your name, email, contacts, location, tracking identifiers, or any of your financial data. Panammoney does not connect to your bank or any financial institution. There are no third-party analytics or advertising SDKs in the app.
Purchases: Panammoney offers an optional auto-renewable subscription (Panammoney Pro) through Apple's App Store. Purchases and subscription management are handled by Apple. We do not receive or store your payment details.
Data sharing: We do not share your information with anyone, because we do not have access to it. Your data never leaves your device except through your own private iCloud account (if you enable it) and Apple's App Store for purchases.
Children's privacy: Panammoney is not directed at children under 13 and does not knowingly collect information from children.
Changes to this policy: If this policy changes, the updated version will be posted on this page with a new last-updated date.
Contact: If you have any questions about this privacy policy, contact us at balamuruganspondy@gmail.com