About this policy
This policy covers the Rapi.In iOS app and the Rapi.In website. The developer identity and contact address are shown on this page. Rapi.In helps you keep personal financial records; it does not connect directly to bank accounts or digital wallets and does not make payments.
Information processed on your device
When you use the app, Rapi.In processes information you enter or create, including:
- Wallet names, wallet types, balances, and display preferences.
- Credit limits, statement dates, and payment due dates you enter for credit cards or PayLater accounts.
- Income, expenses, transfers, balance adjustments, dates, categories, payees or merchants, and transaction notes.
- Budgets, savings goals, contributions and withdrawals, recurring transaction schedules including installments and their number of payments, bills, and reminders.
- App preferences and local metadata needed to store and manage your records.
This information is stored in the app on your iPhone and used to show balances, calculate budgets, create reports, track goals, and manage schedules you set up. Without an account, Rapi.In does not upload these records to a developer-operated server. Bank and digital wallet names are record labels, rather than access to those accounts.
Accounts, advertising, and tracking
Every record-keeping feature works without an account. An account is only needed for Rapi.In Premium and is created with Sign in with Apple or Google. The app does not include advertising SDKs or third-party analytics and does not use financial records for advertising or tracking. We do not sell your financial records.
When you sign in, the Rapi.In server stores the account identifier from Apple or Google, the email address that provider gives us, your sign-in sessions, an app installation identifier, and information about signed-in devices: device type and model, system version, and app version. The server also stores sync status and error codes per device, without the contents of your financial records. This is used to run your account, show your device list, and diagnose service problems.
Rapi.In Premium and payments
Rapi.In Premium is purchased through the App Store. Apple processes the payment; we do not receive your card number or payment details. The Rapi.In server receives Apple-signed transaction proof and subscription notices from Apple, then stores the subscription identifier, product, validity dates, and renewal, refund, and trial status, linked to your account. This is used to determine Premium access and help with subscription issues.
Sync. While sync is on, the financial records in your account are stored on the Rapi.In server so they match on every device signed in to that account. If your subscription ends, records already on the server stay there for as long as the account exists and can still be downloaded, but new changes stay only on your phone until you subscribe again.
Cloud backup. Rapi.In automatically creates backups of your account records. If you choose to restore a .rapiin file through Cloud Backup, the file’s contents are uploaded as a backup. Backups are encrypted in third-party storage using keys managed by Rapi.In. After Premium access ends, backups are kept for the grace period shown in the app and then deleted.
App lock and notifications
App lock is optional and uses iOS authentication, such as Face ID or your device passcode. Authentication is handled by the system; Rapi.In does not receive or store biometric data or your iPhone passcode. App lock restricts access to the app interface and is not a password for exported files or backups.
Reminders on your iPhone. If you allow notifications, the app can schedule reminders directly on your iPhone. These reminders may include schedule names, card names, and bill information you entered. Due date reminders for credit cards and PayLater accounts are always scheduled on your iPhone, including for Premium accounts.
Premium notifications. If you allow notifications and server delivery is available, Rapi.In uses your synced records to create bill reminders, budget updates, reminders to record, and weekly or monthly recaps. We store a device token and settings such as your language, time zone, number format, app lock status, and the notification types you choose. The token and message content are sent through the Apple Push Notification service (APNs) to your registered iPhone. Messages may include bill or wallet names, amounts, or a spending summary. Technical delivery records are kept for 90 days. After Premium access ends, reminders are scheduled on your iPhone again.
While app lock is on, notifications from your iPhone and from the server do not include amounts, because notifications can appear on the Lock Screen.
You can choose which Premium notifications to receive in Settings > Notifications in Rapi.In. You can change notification permissions and previews in iPhone Settings.
Recording transactions with text
The text-entry feature can process sentences on your iPhone. If your account has Premium access and AI assist is enabled, the Rapi.In server receives the sentence or voice transcript, your wallets and their currencies, your category list, and your device’s time and time zone. The server sends your sentence, wallet names, and category names to a third-party AI provider. The result is a suggested transaction, budget, schedule, or savings goal that you review before saving. Bill, schedule, and goal names are matched on your iPhone and are not sent to the server. AI assist is off by default. Your choice is saved on your iPhone and applies to Premium accounts used on that iPhone. You can turn it off in Settings.
The Rapi.In server does not keep the sentence or its result after processing. We keep technical request records for 30 days to manage usage limits and diagnose problems. The AI provider handles data under its own policies.
If you record by voice, audio is sent to Apple’s speech recognition service to be converted to text. The request may include wallet and category names to help the service recognize them. Apple handles this processing under its own policies. The Rapi.In server does not receive or store voice recordings. The microphone is active only after you tap its button and grant permission. iOS keyboard dictation follows Apple’s settings and policies.
Exchange rates and third-party providers
If you use a foreign currency and Update rates automatically is on, the app fetches daily rates from the public Frankfurter service (frankfurter.dev), including when you are not signed in. These requests contain only currency codes and dates; amounts, transactions, and your account identity are not sent. Like any internet request, that service may process technical information such as your IP address. You can turn this off in Settings > Currency.
We share data with third-party providers only as far as needed to run the features you use, and we choose providers that give protection equal to this policy.
Exports, backups, and restoring data
You can export transactions as CSV or create a .rapiin backup. Exports and backups are created at your request and can be saved or shared using iOS system options. These files can contain detailed financial information; backups may also include internal records that no longer appear in the app.
Rapi.In does not password-protect CSV exports or backup files. Save them in a location you trust and share them only with recipients you choose. If you select Files, iCloud Drive, email, or another service, that provider processes the file under its own policies and settings.
iOS device backups and system restore follow your iPhone settings and the Apple services you use. Restoring a .rapiin file replaces the current app data; the app makes a local safety copy before restoring.
Storage and deletion
Records remain local while they are held in app storage. Deleting an item removes it from view; some records may remain locally to support undoing changes. This is not the same as permanently removing every copy of the data.
To remove all Rapi.In app storage from your iPhone, use Delete App in iOS storage settings, rather than Offload App, which keeps app data. CSV exports, .rapiin backups, safety copies saved outside the app, and existing device backups must be managed separately where they are stored. Restoring an older backup may restore records contained in that backup.
Without an account, the developer does not hold a server copy of your financial records, so we cannot recover or delete local records remotely.
When you delete your account from Settings > Account, we revoke your sessions and delete your account identity and active server data. Cloud backups immediately become inaccessible through Rapi.In, and the backup files are removed through an automated process. Copies in infrastructure backups expire according to their retention schedule. We may keep a deletion record to prevent a deleted account from being restored from a backup.
Accounts that have never been used may be deleted automatically after 30 days. Purchase records may be kept to manage subscriptions after account deletion. To stop being charged, cancel your App Store subscription in Manage Subscriptions.
When you contact support
When you email us, you provide your sender address, message, and any attachments you choose. We use this information to answer questions, investigate issues, and follow up on your request. Our email provider processes communications under its service policies.
Correspondence is kept for as long as needed to handle the request, related follow-up, and applicable obligations. You can request deletion of correspondence using the contact address on this page. We will explain if any information must be retained to meet an applicable obligation.
Do not send PINs, passwords, one-time codes, or financial backup files. Hide balances, account numbers, and personal information in screenshots before sharing them.
When you visit this website
This website does not set analytics cookies or advertising trackers. Fonts and images are served with the website without loading a third-party font service. Hosting and content delivery providers may process technical request information, such as IP address, browser type, requested page, and access time, to deliver pages and maintain service security.
The processing and retention of technical information follow the hosting provider settings and policies. Following a link to the App Store, an email service, or another website takes you to a service with its own privacy policy.
Your choices and policy updates
You can manage notification permissions, Premium notification types, app lock, AI assist, automatic rate updates, and the files you export or share. You can withdraw permission for AI assist at any time by turning it off in Settings. Visit the Support page for help using these features.
This policy may be updated when features or data processing practices change. The update date appears at the top of this page. If new processing requires permission, that permission will be requested in connection with the relevant feature.