Privacy Policy: Paper & Prosperity
Last updated: October 31, 2026
OVERVIEW
Paper & Prosperity ("we," "our," or "us") makes the app Paper & Prosperity: Budget, Save & Thrive (the "App") for iPhone, iPad, Mac, Android and the web. This Privacy Policy explains what information the App uses, what (if anything) leaves your device, and the choices you have.
The short version: the App does not require an account, does not connect to your bank, and keeps your budget on your device. A small amount of information leaves your device only in three cases, each explained below: when you use the optional Money Coach, when you use the optional Budget Together feature, and anonymous usage statistics.
INFORMATION THAT STAYS ON YOUR DEVICE
Everything you enter into the App, including income, budget amounts, expenses, bills, debts, savings goals, net worth, notes and receipt photos, is stored on your device. We do not receive or keep a copy of it.
The following features also work entirely on your device and send nothing to us: reminders and notifications, home screen widgets, Siri and Google Assistant shortcuts, PIN and Face ID / fingerprint unlock, CSV import, and backup files you export yourself.
If you turn on iCloud sync (Apple devices only), your data moves between your own devices through your own Apple account, under Apple's privacy policy. We do not receive it.
MONEY COACH (OPTIONAL)
The Money Coach is an AI assistant that only runs when you type a question and send it. When you do, the App sends your question and a summary of your numbers to our server, which passes them to our AI service provider, Anthropic, so that an answer can be written. The summary includes your income, budget, spending this month and last month, top spending categories, number of debts, total debt, the name and balance of your largest debt exactly as you entered it, and your total savings.
We do not save your questions or your numbers on our server. Anthropic processes the text under its own terms and privacy policy. Please do not type anything into the Money Coach that you do not want sent, such as passwords or account numbers. If you never use the Money Coach, none of this information leaves your device.
BUDGET TOGETHER (OPTIONAL)
Budget Together lets two people share one household budget ("Our Budget"), each on their own device. It is off unless you start or join a shared budget. Your personal budget is never shared.
When you use it, the items in Our Budget (such as bills, debts, savings goals, expenses, income and budget amounts, and a few shared settings) are encrypted on your device before they are sent, using a key that comes from your private 16-character invite code. Our server stores and passes along only this encrypted data so your partner's device can receive it. We cannot read it, and we never receive your invite code. No name, email or account is involved.
The encrypted data is kept until the shared budget is removed. You can remove it at any time in Settings > Budget Together > Leave, with "Also stop sharing for my partner" selected. Anyone who has your invite code can see Our Budget, so share it only with the person you budget with.
ANONYMOUS USAGE STATISTICS
To understand which features are used and to improve the App, the App sends anonymous usage statistics to our analytics provider, HeyCatch. This includes which screens are opened, when the App is opened or closed, a few milestones (such as finishing setup or starting a shared budget), a random identifier created for your installation, and general device information (such as device type, operating system version and app version). Your network address may be used to estimate your general region.
We never send amounts, names, notes, or anything you type. This information is not linked to your identity, is not used for advertising, is not combined with data from other apps or websites, and is not sold.
INFORMATION WE DO NOT COLLECT
We do not collect your name, email address, phone number, contacts, precise location, photos, bank credentials, or bank account information. The App does not connect to your bank. The App does not contain advertising and does not track you across other companies' apps or websites.
HOW WE USE INFORMATION
We use the limited information described above only to: answer your Money Coach questions; deliver Budget Together data between you and your partner; understand which features are used so we can improve the App; and keep our services secure and working, for example by limiting how many requests can come from one network address in a day to prevent abuse.
SERVICE PROVIDERS
We do not sell, rent, or trade personal information. We share information only with service providers that help us run the App, and only for the purposes above:
- Anthropic (AI answers for the Money Coach)
- HeyCatch (anonymous usage statistics)
- Our hosting and storage providers, which run our server and store encrypted Budget Together data and short-lived request counts
We may also disclose information if required by law, or to protect the rights, safety, or security of our users or of the App.
DATA RETENTION
Money Coach questions are not stored on our server. Request counts used to prevent abuse are deleted automatically within about a day. Encrypted Budget Together data is kept until the shared budget is removed. Anonymous usage statistics are kept by HeyCatch under its retention settings. Information on your device stays until you delete it or remove the App.
YOUR CHOICES AND RIGHTS
- You can use the App without ever using the Money Coach or Budget Together.
- You can leave and remove a shared budget at any time (see Budget Together above).
- You can delete all data on your device in Settings > Data > Clear all data or Reset app, or by removing the App.
- You can export your data at any time in Settings > Data.
Depending on where you live (for example California, under the CCPA/CPRA, or the European Economic Area and United Kingdom, under the GDPR), you may have the right to know what information we hold about you, to ask us to delete it, and to opt out of any "sale" or "sharing" of it. We do not sell or share personal information for advertising. Because we do not keep accounts and the data we receive is anonymous or encrypted, we usually cannot link it to you; but you can contact us using the details below and we will help however we can. We will not treat you differently for making a request.
SECURITY
Budget Together data is encrypted on your device before it is sent, and all information sent by the App travels over encrypted connections (HTTPS). You can also protect the App with a PIN and Face ID or fingerprint unlock. No method of storage or transmission is completely secure, so we cannot guarantee absolute security, but we work to protect the information we handle.
CHILDREN'S PRIVACY
The App is intended for adults aged 18 and older. We do not knowingly collect information from children under 13. If you believe a child has provided information through the App, please contact us and we will delete it.
INTERNATIONAL USERS
Our servers and service providers are located in the United States. If you use the App from outside the United States, the limited information described above may be processed in the United States.
CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. Changes will be posted at this address with a new "Last updated" date. If a change is significant, we will also note it in the App or in the app store release notes. Continued use of the App after changes means you accept the updated policy.
CONTACT US
If you have any questions or requests about this Privacy Policy, please contact us:
Paper & Prosperity
Email: hello@paperandprosperity.shop
Website: paperandprosperity.shop
Southern California, United States