Privacy Policy
Effective June 12, 2026
The short version:
We never see your bank credentials. We don't sell your data, show ads, or run trackers. You can use the iOS app with no account at all, with your data stored in your own iCloud where we cannot read it.
Who we are
OpenTeller is a personal finance tracking app for iOS and the web, operated by Oluwatimi Owoturo in Canada. Questions about this policy: support@openteller.app.
Two ways to use OpenTeller
On iOS you choose where your data lives, and that choice determines what we collect:
- iCloud mode (no account). Your data is stored in your personal iCloud, not with us. We have no account for you, no copy of your data, and no way to read it. Sensitive details like transaction descriptions and merchant names are end-to-end encrypted, and turning on Advanced Data Protection in your iCloud settings extends that to everything.
- OpenTeller account. We collect your email address and a password (we never see or store the password itself), and we store the financial data you import: transactions, budgets, recurring items, and bank source settings. We use it only to run the service for you.
Your bank credentials
We never collect, transmit, or store your bank login. Automatic bank sync opens your bank's own website inside the app on your device. Your credentials go directly to your bank and nowhere else.
AI features
- Apple Intelligence. The default AI assistant, screenshot import, and CSV column detection run on your device or on Apple's Private Cloud Compute. That data never reaches our servers.
- GPT model (account mode, optional). If you choose the GPT model in the assistant, your chat messages and the financial data needed to answer are sent through our server to OpenAI. In account mode, CSV column detection may send column headers and a few sample rows the same way. Per OpenAI's API policy, this data is not used to train their models.
- Categorization, screenshots, and bank sync (account mode). Transaction descriptions may be sent to OpenAI for automatic categorization. When you import from a screenshot in account mode, the text read from it is sent to OpenAI to extract transactions. During bank sync setup, the structure of your bank's transaction page is sent to OpenAI once to learn how to read it.
What we don't collect
No analytics SDKs, no advertising identifiers, no location, no contacts, no tracking across other apps or websites. Apple may provide us aggregate, anonymized App Store statistics.
Service providers
We rely on three: Google Cloud (hosting, database, and sign-in for account mode), OpenAI (AI features in account mode), and Apple (iCloud storage in iCloud mode, App Store payments). Each receives only what it needs for its job.
Household sharing
In account mode you can invite someone to view your household's data. Only people you explicitly invite get access, and you can remove them at any time.
Retention and deletion
- iCloud mode: your data is yours. Delete it from within the app or from your iCloud storage settings; we never had a copy.
- Account mode: we keep your data until you delete it. You can delete your whole account and everything in it any time from Settings in the app, and it takes effect immediately. You can also email support@openteller.app and we'll do it within 30 days.
Security
Data is encrypted in transit (TLS) and at rest. iCloud mode adds end-to-end encryption for sensitive fields. No system is perfectly secure, so use a strong, unique password.
Your rights
Depending on where you live (including under Canada's PIPEDA), you may have the right to access, correct, export, or delete your personal information, and to withdraw consent. Email us and we'll act on it.
Children
OpenTeller is not directed at children under 13, and we don't knowingly collect their data.
Changes
If this policy changes in a meaningful way, we'll update the date above and note it in the app or by email. Continued use after changes means you accept them.