Privacy Policy
Last Updated: October 11, 2025
Our Commitment: Your financial data belongs to you, and only you. Fugio is built with privacy as the top priority. All your data stays on your device, encrypted and secure.
Who We Are
Fugio is operated by Sooner Brokers LLC. We are a privacy-focused personal finance application that helps you track spending, manage budgets, and get AI-powered insights—all while keeping your data completely private and local to your device.
What Data We Collect
Data Stored Locally on Your Device
All of your financial data is stored exclusively on your device and includes:
- Transaction Records: Dates, amounts, merchants, categories, notes
- Account Information: Account names, types, balances
- Budget Data: Budget amounts, categories, spending limits
- Debt Information: Debt balances, interest rates, payment schedules
- AI Conversations: Your questions and AI responses for context
- User Preferences: App settings, theme preferences, categorization rules
Data We DO NOT Collect
- ❌ We do NOT upload your financial data to any server
- ❌ We do NOT track your activity or usage patterns
- ❌ We do NOT collect personally identifiable information
- ❌ We do NOT share your data with third parties
- ❌ We do NOT use analytics or tracking services
- ❌ We do NOT sell or monetize your data
How We Handle Your Data
Local-First Architecture
- SQLite Database: All data stored in an encrypted local database
- Encryption: 256-bit AES encryption protects your database
- Secure Storage: API keys and sensitive data stored in device secure enclave (iOS Keychain / Android KeyStore)
- No Cloud Sync: Your data never leaves your device
AI Processing
When you use AI features:
- Optional Feature: AI features are completely optional
- Secure Proxy: AI requests go through our secure proxy at www.fugioai.com
- Contextual Only: Only necessary financial context is sent for AI processing (spending patterns, budget status)
- No Storage: AI responses are not stored on any server
- User Control: You can disable AI features at any time
Biometric Data
- Device-Only: Face ID/Touch ID data stays on your device
- System APIs: We use iOS/Android system APIs; we never access biometric data directly
- Optional Feature: Biometric lock is entirely optional
Third-Party Services
AI Proxy (Optional)
If you use AI features:
- Purpose: Process AI coaching requests
- Data Shared: Financial context only (spending patterns, budget status, transaction summaries)
- Provider: OpenAI (gpt-4o-mini model)
- Can Disable: Yes, AI features are optional
What Third Parties Do NOT Receive
- Your transaction history
- Account balances
- Budget information
- Debt details
- Personal identifying information
Your Rights
You have complete control over your data:
- ✅ Access: View all your data anytime within the app
- ✅ Export: Export your data to CSV
- ✅ Delete: Clear all data with one tap in settings
- ✅ Control: Disable any feature you don't want to use
Data Security
Security Measures
- Database Encryption: 256-bit AES encryption
- Secure Storage: iOS Keychain / Android KeyStore for credentials
- App Lock: Biometric or PIN protection
- No Network Storage: Data never transmitted to servers
Children's Privacy
Fugio is not intended for use by children under 13. We do not knowingly collect data from children.
Changes to This Policy
We may update this privacy policy from time to time. We will notify you of any changes by:
- Updating the "Last Updated" date
- Displaying an in-app notification
- Requiring re-acceptance of terms
Contact Us
If you have questions about this privacy policy:
Email: support@fugioai.com
Company: Sooner Brokers LLC
Legal Compliance
GDPR Compliance (EU Users)
- Data Minimization: We only store data necessary for app functionality
- User Control: You have full control to access, export, and delete your data
- Local Processing: Data processing happens locally on your device
- No Profiling: We do not use automated decision-making or profiling
CCPA Compliance (California Users)
- No Sale of Data: We do not sell personal information
- No Sharing: We do not share personal information with third parties
- Access Rights: You can access and delete your data anytime
- Opt-Out: You can disable optional features at any time
Summary: Your financial data is yours, period.
- 🔒 All data stored locally and encrypted
- 🚫 No cloud storage or syncing
- 🔐 Biometric protection available
- 🎯 AI features are optional
- 📱 You control everything