Akimoa
Privacy Policy
Effective [date of publication] · Last updated 8 October 2026
Akimoa is a household app for shared money, tasks, groceries and documents. This policy explains what information the Akimoa apps for Android and iPhone handle, where it goes, and the choices you have. It is operated by [Akimoa legal entity name and registered address] ("Akimoa", "we", "us").
The short version
- Akimoa keeps your household's data on your device first. If you turn on cloud sync, it's also stored on our servers so the people in your household can see it.
- If you allow it, Akimoa reads bank and card SMS on your Android phone to find payments for you. It never reads messages from personal phone numbers or one-time passwords. SMS text never leaves your phone. Only a payment you choose to add is saved.
- We don't sell your data, show ads, or use advertising or analytics trackers.
- You can delete your account and data from inside the app.
1. Information you give us
- Account: your email address or sign-in provider identity, your name and an optional profile photo.
- Household content: the expenses, income, budgets, credit cards, goals, tasks, grocery lists, reminders, documents and notes that you and your household members add.
- Household members: names you add for people in your household, and their roles.
2. Bank and card messages
Akimoa can turn bank alerts into expenses you review, so you don't have to type them. All of these are optional and off until you turn them on.
SMS on Android (READ_SMS and RECEIVE_SMS)
- When you switch on Read bank SMS, Akimoa asks for Android's SMS permission, after explaining what it will do.
- It only looks at messages from business senders (bank sender IDs such as VM-HDFCBK, and short codes). Messages from personal phone numbers are never read.
- It keeps only messages that look like a payment, a card statement or a payment due, and discards one-time passwords and everything else.
- The kept messages are read on your phone to find the amount, merchant, date and card. The message text is stored only on your phone, in your review list, and is not uploaded to our servers or anyone else.
- Nothing becomes an expense until you tap Add. Only then is the expense (amount, merchant, category, date and card) saved, and synced if you use cloud sync. Message text you've added or dismissed is removed from your phone after 30 days.
- When you first switch it on, Akimoa also reads this month's bank SMS already on your phone, so your spending is up to date.
- You can switch it off at any time in Akimoa or in Android settings.
Notifications on Android
If you give Akimoa notification access, it keeps only notifications that look like a payment from bank apps, or bank SMS shown by your messaging app. The same on-device handling applies: nothing is uploaded, and nothing is added until you confirm it.
iPhone
iPhone doesn't let apps read messages. If you set up a Shortcuts automation, the automation hands the bank message you receive to Akimoa. It's handled on your phone exactly like Android SMS.
Sharing and pasting
Messages you share or paste into Akimoa are handled the same way, on your phone.
Deliveries, appointments and renewals
Akimoa can also recognise messages about deliveries, appointments and plans that are about to expire, and suggest a reminder for them. These are handled on your phone in the same way. Any one-time code in a delivery message is blanked out before anything is saved, and a delivery drops off your Home screen once its day has passed.
Forwarded emails
You can get a private Akimoa forwarding address and set your email to forward bank alert emails to it. Those emails pass through our email provider [e.g. Postmark] to our servers. We keep only emails that look like a transaction (and your email provider's forwarding confirmation), and discard the rest on arrival. Kept emails wait on our server only until your phone picks them up, and are then deleted. Anything not picked up is deleted after 7 days. We never access the rest of your mailbox. You can replace your forwarding address at any time.
3. AI features
When you use Ask Akimoa or AI insights, your question and the parts of your household information needed to answer it (for example your spending by category) are sent from our servers to an AI model provider: [the providers in use: OpenAI, Google (Gemini) and/or Groq]. They process it to generate the answer under their API terms. [Confirm each provider's plan doesn't use API data for training (paid OpenAI, Groq and paid Gemini API don't; free Gemini API tiers may), then state it here.] The app removes internal identifiers before sending. AI features run only when you use them.
4. Camera, microphone and documents
- Receipts and documents: text in photos you take is recognised on your device. Documents you add to the vault are stored privately and synced with your household if you use cloud sync.
- Voice: voice capture uses your phone's built-in speech recognition, which Apple or Google may process under their own privacy terms.
- Bills: when you scan a bill, the amount, due date and account number are read from the photo on your device. The photo itself isn't uploaded unless you attach it to a document.
4a. Plus, trials, rewards and referrals
- One free trial per person: to stop the free trial being claimed again with a new email or a new household, we keep your normalised email address (dots and "+" labels removed) and a one-way fingerprint of your phone. The fingerprint is a scrambled version of your phone's app identifier: it can't be turned back into the identifier and isn't used to track you.
- Rewards: points and badges are worked out from activity your household already syncs (for example how tasks were shared out across a week). No extra data is collected for them.
- Referrals: when you use someone's code we record which account invited which, and the same phone fingerprint so a code can't be reused from one phone.
4b. Backups
Backups you make from Settings are encrypted on your phone with a passphrase you choose, and saved where you decide. We never receive the file or the passphrase, and can't recover it if the passphrase is lost.
5. Where your information is stored
- On your device: Akimoa's local database is encrypted.
- Cloud sync: if you use it, your household's data is stored with our database provider, Supabase, [hosting region]. Access rules at the database level ensure each person only sees the households they belong to, and only items shared with them.
- Subscriptions: purchases go through Google Play or the App Store. We receive and verify the purchase record, but never your payment card details.
6. Who we share information with
We don't sell or rent your information, and we don't share it for advertising. It is shared only:
- with the members of your household, as you choose within the app;
- with the service providers above (database hosting, email forwarding, AI features, app stores), who process it only to run Akimoa;
- when required by law, or to protect the safety of people or the service.
7. How long we keep it
| Information | Kept |
|---|---|
| Bank message text (SMS, notifications, shared or pasted) | On your phone only, until you add or dismiss it, then up to 30 days |
| Forwarded bank emails | On our servers until your phone picks them up; at most 7 days |
| Household data you add | Until you delete it, or delete your account |
| Trial and referral checks (normalised email, phone fingerprint) | As long as your account exists, so a free trial is used only once |
| Delivery and appointment suggestions | On your phone only, until the day passes or you dismiss them |
| Subscription records | As long as required for billing and legal obligations |
8. Your choices and rights
- Switch SMS, notification or email capture off at any time; each is optional.
- Export your data, correct it, or delete items from inside the app.
- Delete your account from Settings. This removes your data from our servers, including your stored documents.
- Depending on where you live (for example under India's Digital Personal Data Protection Act, the EU/UK GDPR, or US state laws), you may have further rights to access, correct, delete or port your information, and to complain to a data protection authority. Contact us to use them.
9. Security
Data is encrypted in transit and on your device. Access on our servers is limited by row-level security. No system is perfectly secure, but we work to protect your information and will notify you as required by law if a breach affects you.
10. Children
Adults can add children to their household in Akimoa, for example to track chores and pocket money. Children don't get their own login: a parent enters and manages everything about them, and only the household can see it. Akimoa is not directed at children and we don't knowingly collect personal information from them directly.
11. Changes
If we change this policy in a way that matters, we'll tell you in the app before it takes effect. The date at the top shows the latest version.
12. Contact
Questions or requests: hello@akimoa.com.
[Grievance Officer name and email, required for users in India]