Privacy Policy

Keel is built privacy-first. Your financial information lives on your device, not on our servers. We don't run analytics, we don't track you, and we don't show ads. This policy explains, in plain language, exactly what happens to your data.

Who we are

Keel is operated by Ng Qi Heng, an individual developer based in Malaysia ("we", "us", "Keel"). If you have any questions about this policy or your data, contact us at hello@get-keel.app.

What we collect — and what we don't

We want to be precise here, because most apps aren't.

We do NOT collect:

• No analytics or usage tracking of any kind.
• No advertising identifiers, and no ads.
• No name, email, phone number, or account registration (Keel has no user accounts).
• No location data.
• No bank logins, bank connections, or access to your real financial accounts.

What stays on your device:

• Everything you enter into Keel — your assets, subscriptions, installment/BNPL plans, credit card balances, income, expenses, and any optional name you set for the greeting — is stored locally on your device only. We do not have a copy. We do not have a server database of your financial data.
• If you delete the app, this data is removed from your device.

The AI Coach

Keel includes an optional AI Coach. When you send it a message, here's exactly what happens:

• Keel builds a sanitised snapshot of your financial picture. This snapshot is deliberately stripped of identifying details: it contains no name, no bank or institution names, and no account numbers. Credit cards are described only by their interest rate (for example, "18% card"), never by their issuer.
• Any optional name you set for the in-app greeting is never included in this snapshot — it stays on your device and is never sent to the AI.
• This snapshot, along with your message, is sent over an encrypted connection to our proxy server (hosted on Cloudflare), which forwards it to our AI provider, Google (Gemini API), and streams the reply back to you.
• Our proxy server is stateless. It holds no database and does not store or log your snapshot or messages — it passes them through and discards them.

About the AI provider (Google): We use Google's Gemini API on a paid tier. Under Google's paid-tier terms, Google does not use your prompts or the AI's responses to train or improve its products, and acts as a data processor. Google may log requests transiently for a limited period solely to detect abuse and maintain the safety and security of the service. You can read Google's terms at ai.google.dev/gemini-api/terms.

If you never use the AI Coach, none of your information is ever sent off your device for this purpose.

Subscriptions

Keel offers an optional premium subscription. Purchases are processed through Apple's App Store, and subscription status is managed by RevenueCat, a subscription-management service. To do this:

• A randomly generated identifier is created on your device and used to recognise your subscription. This identifier is not linked to your name, email, or any personal information — because we don't collect those.
• RevenueCat and Apple process your purchase to confirm and maintain your subscription. Their handling of payment information is governed by their own privacy policies: RevenueCat and Apple.

Notifications

If you choose to enable reminders (for payday or card payment due dates), these are scheduled locally on your device. No notification data is sent to or processed by any server. You can turn them off anytime in Settings, and they require your permission to begin with.

Third parties we rely on

To be fully transparent, the only external services involved in running Keel are:

• Google (Gemini API) — processes the sanitised snapshot when you use the AI Coach (paid tier; does not train on your data).
• Cloudflare — hosts our stateless proxy server and this website. As an infrastructure provider, Cloudflare may process network requests at the edge per its own policies.
• RevenueCat & Apple — process subscriptions if you choose to subscribe.

We have no other trackers, SDKs, or data-sharing arrangements.

Your control over your data

• Because your data lives on your device, you are in control of it. You can edit or delete any entry at any time.
• You can export your data from within the app.
• Deleting the app removes your local data from your device.
• You can disable the AI Coach and notifications at any time.

Children

Keel is not directed at children under 18 and we do not knowingly collect data from them.

Changes to this policy

If we update this policy, we'll change the date at the top and, where appropriate, note it in the app. Continued use after changes means you accept the updated policy.

Contact

Questions about your privacy? Email hello@get-keel.app and we'll respond.

Keel — operated by Ng Qi Heng, Malaysia. This policy is provided for transparency and does not constitute legal advice.