Privacy Policy
Last updated: February 3, 2026
The short version: Your financial data stays on your device. We don't sell your data.
What We Collect
- Subscriptions you enter: Names, prices, billing dates
- Bank data (optional): If you connect via Plaid, we access transaction data to detect subscriptions
- Device identifier: A random ID for Plaid connections and account limits
Where Data Is Stored
- On your device: Subscriptions, bank connections, Plaid tokens
- iCloud (encrypted): Subscription backup using end-to-end encryption — only you can decrypt it
- Our server: Device identifier for account limits. We do not store your transactions or financial data
Plaid
If you connect a bank account, Plaid handles the connection. Your bank credentials go directly to Plaid — we never see them. See Plaid's privacy policy.
Unlimited Subscribers
Stripe handles payments. We don't see or store your card details.
What We Don't Do
- We don't sell your data
- We don't show ads
- We don't use third-party analytics
Your Rights
- Unlink your bank account anytime in the app
- Delete the app to remove all local data
- Email us to delete server-side data
Children
Scratched is not for children under 13.
Changes
We'll update the date above if this policy changes.