Privacy

Last updated October 27, 2026

What stays on your iPhone

Everything you record: amounts and currencies, tags, notes, merchants, trips, your monthly limit, recurring expenses and your reviews. Dearly keeps it in its own storage on your iPhone, protected by your iPhone’s encryption, and it’s included in your iPhone’s backups like other app data.

What leaves your iPhone, and why

• Exchange rates. When you spend in another currency, Dearly downloads that day’s reference rates from Frankfurter, a free service that publishes the European Central Bank’s rates. The request asks for a date’s rates and nothing else: no amounts, no currencies you used, nothing about you. Like any request on the internet, it reaches Frankfurter from your network address.
• What you choose to share. A review you share leaves as a picture, through the share sheet, to wherever you send it. Amounts are left out unless you switch them on.

Apple Pay payments

If you set up the Shortcuts automation, your iPhone hands Dearly the amount, merchant and card name of each Apple Pay payment, on the phone itself. Dearly doesn’t connect to your bank or to Wallet. You can turn the automation off in Shortcuts at any time.

Notifications

Dearly’s notifications (a recorded payment, 80% of your monthly limit, a review that’s ready) are scheduled on your iPhone; nothing is sent from a server. You can turn them off in Settings.

What we don’t do

• No account or sign-in, and no bank login.
• No ads, analytics or tracking, and no third-party SDKs inside the app.
• No selling or sharing of your data, with anyone.
• No access to your location, contacts or photos.

If you’ve chosen in iOS Settings to share analytics with app developers, Apple may send us anonymous crash reports. They help us fix bugs and contain none of your spending.

Deleting your data

Delete Dearly from your iPhone and its data goes with it. Your iPhone’s backups keep a copy until they’re replaced.

This website

dearlymoney.com is served by Cloudflare. It sets no cookies, runs no analytics and loads nothing from other sites. Cloudflare sees your network address when it delivers a page and protects the site from abuse.

Changes and questions

If this policy changes, the date at the top changes with it and this page says what’s different. Questions about privacy: support@dearlymoney.com.