Legal document
Privacy Policy
Last updated: November 5, 2026
1. Who we are
Cuadre is a personal finance mobile app operated by JinKun Chen, with Ecuadorian national ID number 0151233681, domiciled in Guayaquil, Ecuador.
Support and privacy email: soporte@cuadrefinanzas.com.
2. What Cuadre is
Cuadre lets you record your personal income, expenses, accounts, categories, budgets and savings goals: by hand, with Siri and Shortcuts, by pasting a message, or by dictating by voice. Cuadre is not a financial institution, does not provide financial, accounting, tax or investment advice, and does not connect, and will not connect, to real bank accounts.
3. What data we collect
Account data
- Email address.
- Name, if you provide it directly or if it comes from Apple/Google.
- Internal user identifier.
- Account creation date.
Financial data you enter manually
- Transactions: amount, date, note, category, tags (for example #trip), account, how it was recorded (manual, Siri, Apple Pay, message or voice) and sync date.
- Savings goals: name, amount and target date.
- Merchants and categories that Cuadre learns from your transactions, to suggest the category next time. This information is yours alone.
- Accounts created by the user: name and account type.
- Categories: name, icon, color, transaction type and fixed or variable classification.
- Budget settings, such as the moving-average window.
Data you send to record with the help of AI
- Pasted or shared messages: the text of the message (for example, a purchase notice) that you choose to send to Cuadre.
- Voice: dictation is converted to text on your phone using the system's speech recognition (Apple on iPhone, Google on Android); depending on your device, that service may process the audio on its servers. Cuadre does not store the audio: it only receives the text.
That text and the names of your categories are sent to our artificial intelligence provider to extract the amount, merchant, type, category and date. Before saving, the app shows you the result so you can confirm it. We do not send your email, your name or your balances with that request.
AI assistant (Premium feature): when you ask a question or use an assistant shortcut, we send your question and a summary of your transactions from the last two months (totals by category, your largest expenses with their date, note and amount, and recurring charges) to our artificial intelligence provider to write the answer. Beforehand, a first minimal query, with only the text of your question and none of your data, decides whether it is about your finances. If you dictate the question, what is said above about voice applies. The history of your conversations with the assistant is stored only on your phone, not on our servers.
Apple Pay purchases and categories: when a purchase arrives through the Apple Pay automation and Cuadre does not yet know the merchant, we send the merchant name and the names of your expense categories to the AI to choose the category; Cuadre remembers it for next time. When you create a category, the name you type is sent to the AI to suggest emojis. In none of these cases do we send your email, your name or your balances.
This data does not come from banks or financial institutions. Cuadre does not request or store bank usernames, passwords, keys, tokens or credentials.
Subscription data
- Subscription status.
- Technical identifiers from Apple, Google Play and RevenueCat.
- Technical subscription events, where applicable.
Use of AI features
We keep counters (how many times you use each AI feature and its approximate cost) to apply fair-use limits and prevent abuse.
Cuadre does not receive or store card numbers, security codes or full payment details.
4. Source of the data
Most of the data is provided directly by you when you create an account or use the app. Some data may come from Apple, Google or RevenueCat when you choose to sign in or pay through those services.
5. What we use your data for
| Purpose | Data used | Reference legal basis |
|---|---|---|
| Create and maintain your account | Email, name, identifier | Performance of the requested service |
| Show income, expenses and categories | Financial data entered by you | Performance of the requested service |
| Calculate balances and budgets | Transactions, categories and settings | Performance of the requested service |
| Record transactions from messages and voice, and suggest categories | Message or dictation text, category names and learned merchants | Performance of the requested service |
| Answer assistant questions and classify Apple Pay purchases | Question, transaction summary, merchant and category names | Performance of the requested service |
| Usage limits and abuse prevention for AI features | Usage counters | Legitimate interest |
| Validate subscription | Subscription identifiers and status | Contractual performance and obligations to Apple |
| Support, security and compliance | Contact data, technical data and minimal logs | Legitimate interest, performance of the service or legal compliance |
6. Types of processing
We may carry out operations of collection, recording, storage, retention, consultation, organization, modification, updating, synchronization, communication, transfer, deletion and blocking of data, as necessary to provide the service.
7. Automated decisions and profiling
Cuadre calculates summaries, balances and budgets based on the information you enter. Artificial intelligence suggests the category and details of a transaction (which you review and confirm, except for Apple Pay purchases, where the category is assigned automatically and you can correct it afterwards) and writes the assistant's answers, which are for guidance only; it is not used to train models with your data. It does not make legal, credit, banking, tax, employment or investment decisions about you.
8. Who we share data with
- Supabase: database, authentication and backend functions.
- Apple: App Store, payments, subscriptions, refunds and Sign in with Apple.
- Google: sign-in, if you choose that method, speech recognition and payments on Android.
- Anthropic: artificial intelligence provider that processes the text of messages and dictation, merchant and category names, and the transaction summary sent to the assistant.
- RevenueCat: management and validation of subscription status.
Text sent to the AI is used only to respond to you and not to train models, according to the provider's commercial terms. We do not sell your personal data. We do not use your financial data for personalized advertising.
9. International transfers
Some providers may store or process data outside Ecuador. This may include cloud infrastructure, authentication services, payments, subscriptions or technical support.
10. Consequences of not providing data
If you do not provide the minimum data needed to create an account, authenticate or record financial information, some Cuadre features will not be able to operate. If you provide incomplete or incorrect data, calculations may be inaccurate.
11. Security
We apply reasonable security measures, including authentication, HTTPS/TLS, access controls, Row Level Security in Supabase, per-user separation and use of sensitive keys only in backend environments.
12. Local data and offline use
Cuadre may store certain data locally on your device to improve performance or allow offline operation, such as cache or a sync queue.
13. Data retention
We keep your data while your account is active or while it is needed to provide the service. If you delete your account, your data is removed from the active database within a reasonable period, except for information that must be kept for legal, security, billing, anti-fraud or legal-claims reasons.
Provider backups may keep temporary copies until their normal rotation.
14. Account deletion
You can delete your account directly in the app, under Settings → Delete account. You can also request it by writing to soporte@cuadrefinanzas.com. Deleting your Cuadre account does not automatically cancel your Apple subscription.
15. Your rights
Under Ecuador's Organic Law on Personal Data Protection, you may exercise the rights that apply, including access, information, rectification, updating, deletion, objection, annulment, restriction or suspension, portability, withdrawal of consent and rights regarding automated decisions where applicable.
To exercise your rights, write to soporte@cuadrefinanzas.com. You may also file complaints with the competent Ecuadorian personal data protection authority.
16. Minors
Cuadre is not directed at people under 18 years of age.
17. Changes to this Policy
We may update this Policy when the app, the providers, the purposes of processing or the applicable regulations change.
18. Contact
Data controller: JinKun Chen
National ID: 0151233681
Address: Guayaquil, Ecuador
Email: soporte@cuadrefinanzas.com