Privacy Policy | EveryPound

1. Who we are

EveryPound is published by Boa Esperanca Group Ltd ("we", "our", "us"), a company registered in England and Wales. We are the data controller for personal data processed through the EveryPound iOS app and this website (everypound.app). For any privacy enquiry, email enquiries@boaesperancagroup.com.

2. This website and the calculators

everypound.app is a marketing and tools website. We have deliberately kept it lightweight and private:

No accounts, no sign-up. You can use every calculator without giving us anything.
The calculators run entirely in your browser. The figures you type, your salary, savings or pension numbers, are processed on your own device and are never sent to us or to anyone else.
No cookies, no advertising, no third-party analytics or trackers. We do not profile you or sell anything about your visit.
Web fonts are loaded from Google Fonts, which means your browser makes a request to Google to fetch the typeface. That is the only third-party request the site makes.

In short: nothing you enter into a calculator leaves your device. The app, described below, is where you choose to store data with us.

3. The EveryPound app: data we collect

When you use the app we collect the minimum needed to provide the service. We never sell, rent or trade your personal or financial data.

Identity data: your email address, used for sign-in (passwordless magic link, or optionally email and password).
Financial data: the asset balances, property values, debts, and income you choose to enter. This is fully controlled by you.

How it is stored: your data is held on enterprise cloud infrastructure (Supabase, EU region) with Row Level Security, so it can only be accessed by you and the household members you explicitly pair with. No employee of ours, and no third party, can read your financial records.

Ask Addy, the AI coach

Ask Addy is optional. When you message her, we send a summarised snapshot of your finances (aggregate figures and category names, never your email or name) plus your message to xAI Corp (United States) to generate a reply in real time. Under our agreement, xAI does not retain this for model training and discards it after the response. We do not store Addy conversations on our servers. You can use the app's core features without ever using Addy.

Subscriptions

Optional Plus and Pro tiers are billed entirely by Apple; we never see your card details. To unlock paid features we use RevenueCat (United States), which receives only an anonymous identifier and your Apple receipt, never your email, name or financial data. Manage subscriptions in Settings → Apple ID → Subscriptions.

Notifications and diagnostics

If you enable notifications, an anonymous Apple push token is used only to deliver reminders you set up. The app also records a small amount of anonymised diagnostic data (screen transitions, non-fatal errors) tied to your user ID to fix issues; it contains no financial data and no free text you typed. Logs are kept for 90 days.

Delete everything, any time: open the app menu, scroll down, tap Delete Account. Deletion is immediate and permanent. If you are the sole household member, the whole household and its data is wiped. You can also email us to request deletion.

4. Sharing and international transfers

We share data only with the processors needed to run the service, each under a data processing agreement: Supabase (hosting), RevenueCat (subscriptions), xAI (Addy), and Apple (push). Some are in the United States; transfers rely on the UK International Data Transfer Agreement or EU Standard Contractual Clauses with the UK Addendum. We may also disclose data where required by law.

5. Retention

App data: kept while your account is active; purged within roughly 24 hours of account deletion.
Addy conversations: not retained by us, nor by xAI for training.
Diagnostic logs: 90 days.
Enquiry emails: up to 2 years after last contact.

6. Your rights

Under UK GDPR you have the right to access, rectify, erase, restrict, port and object to processing of your data, and to withdraw consent. Email enquiries@boaesperancagroup.com and we will respond within 30 days. You can also complain to the Information Commissioner's Office at ico.org.uk.

7. Children

EveryPound is for adults managing household finances and is not directed at children under 13. We do not knowingly collect their data.

8. Security

We use HTTPS everywhere, Row Level Security on all financial data, passwordless sign-in, optional Face ID app lock, and written agreements with every processor. No method of transmission is ever 100% secure; contact us if you have a concern.

9. Contact

Boa Esperanca Group Ltd, London, United Kingdom. Email enquiries@boaesperancagroup.com. We may update this policy; the date above reflects the latest version.