Straight answers to how IntelliCard handles your data.
IntelliCard stores information that you choose to enter, import, or confirm inside the app:
This data supports the features you see in the app. IntelliCard does not operate a backend that stores it.
No. IntelliCard does not connect to your bank or card issuer and does not ask for bank passwords, full card numbers, CVV codes, PINs, or Social Security numbers. You enter only the card details needed for the features you choose.
Your financial database is stored in the app's local container and encrypted before storage using AES-256-GCM. The encryption key is stored in the iOS Keychain. If you enable automatic iCloud backup, an encrypted copy is also written to the app's iCloud Drive container and the key is moved to a synchronizable iCloud Keychain item so the backup can be restored on your Apple devices.
No security measure is perfect. You should continue to protect your device, Apple ID, and any backup files you share.
You may continue as a guest or use Sign in with Apple. Apple handles authentication and may return an Apple user identifier, name, and email according to your Apple settings. IntelliCard stores the resulting profile locally. Identity tokens and authorization codes are used to validate sign-in and are not included in IntelliCard backups. No IntelliCard server account is created.
Only in these limited cases:
We do not share your financial database with advertisers, analytics platforms, or data brokers.
No. IntelliCard does not sell, rent, license, or otherwise trade your personal or financial data to any third party for commercial purposes.
No. IntelliCard is not a data aggregator and does not integrate with Plaid, Yodlee, or similar services. It never logs into your bank or issuer. Balances are entered manually or taken from summary fields in a PDF you select. PDF statement import does not import the statement's line-item transaction history.
When you select a PDF using the iOS document picker, IntelliCard reads text already embedded in the PDF and looks for summary fields such as issuer or card label, statement period and due dates, balances, credit limit, minimum due, APR, and interest charges. Values are shown for review before saving. IntelliCard does not use OCR, scan images, access your camera or photo library, and statement import does not import the statement's line-item transaction history. The PDF is not uploaded to an IntelliCard server.
IntelliCard requests notification permission when you enable reminders and schedules notifications locally on the device. It does not obtain a remote push token. Notification text can include card names, dates, or amounts unless you choose the private notification style.
IntelliCard does not use advertising SDKs, behavioral analytics platforms, or cross-app tracking, and it does not send automatic crash reports to a third-party service. Crash logs and diagnostic events remain local. After a crash, the app may ask whether you want to email a report containing error details and device/app version information; nothing is sent unless you choose to share it.
If purchases are available in your build, Apple processes payment through the App Store and RevenueCat helps load offerings and verify purchase and entitlement status. RevenueCat may process an app user identifier and App Store purchase or receipt information. IntelliCard never receives your payment-card number. Apple and RevenueCat handle this information under their own privacy policies.
Automatic backup is optional and off until you consent. When enabled, IntelliCard encrypts your local profile and app data on the device and writes a backup to the app's iCloud Drive container after relevant changes, subject to rate limits. The encryption key is synchronized through iCloud Keychain to support restore on your Apple devices. If iCloud is unavailable, the app may keep an encrypted local fallback until it can retry.
Manual backup creates the same encrypted format and opens the iOS share sheet so you choose the destination. The current app uses its Keychain encryption key and does not ask for a separate backup passphrase.
The financial payload is encrypted. Limited backup metadata remains readable: schema and app version, export time, an anonymous installation identifier, platform, and card counts. It does not expose balances, card names, or profile details.
Deleting IntelliCard removes its local app container, but it may not remove encrypted backups in iCloud Drive, synchronizable Keychain items, files or emails you shared, App Store purchase records, or information held by Apple or RevenueCat. Manage those items through the relevant service. Sign in with Apple access can be revoked in your Apple ID settings.
Because your data lives on your device, you have direct control over it:
IntelliCard does not operate a backend containing your financial database, so we generally cannot access, recover, export, or delete that local data for you.
IntelliCard is designed around local processing and data minimization. Privacy rights vary by location and by the service handling the information. For information processed by Apple or RevenueCat, use the controls and request channels provided by those companies. Contact us below for questions about IntelliCard's practices.
Questions, concerns, or requests related to this Privacy Policy: