Plain-language summary displayed to users before purchase. This is not a binding legal document — it is a human-readable overview that links to the full Terms of Service and Privacy Policy.
Your Data, Your Device
- Your financial data lives entirely on your device. We don’t have a cloud database and we physically cannot access your transactions.
- No ads, no cookies, no behavioral tracking. We collect one anonymous daily ping to understand how the app is used — you can turn it off anytime in Settings.
- If you enable Google Drive sync, your data is end-to-end encrypted before it leaves your device. If you use SimpleFIN for bank sync, your bank credentials never touch our servers.
Your Subscription
- Cancel anytime — you’ll drop to the Free tier at the end of your billing cycle. Your data stays on your device no matter what.
- Full refund within 14 days of your first purchase if you’re not satisfied.
- Subscriptions auto-renew until canceled. You can manage or cancel your subscription anytime through your account portal.
Good to Know
- Acclo IQ is a tracking and budgeting tool, not a financial advisor. You’re responsible for your own financial decisions and for keeping backups of your data.
- Disputes are resolved through binding arbitration (you can opt out within 30 days of purchase).
By completing your purchase, you agree to our Terms of Service and Privacy Policy.