We do not sell your data. We do not run ads. We do not build advertising profiles. Raqam works fully offline: your expenses live on your device unless you turn on an account and sync. Receipt photos are processed to extract text and discarded — never stored, never used to train general-purpose models. You can export everything and delete everything, permanently, from inside the app.
The rest of this page is the detail behind those sentences.
01What we collect
We collect as little as we can get away with while still running the product. Here is the whole list.
| Category | What it is and why |
|---|---|
| Account details | Your name and email address (or an Apple/Google sign-in identifier). Only collected if you choose to create an account — Guest mode needs none of this. Used to authenticate you and sync across devices. |
| Financial entries | Amounts, categories, dates, notes, merchant names and recurring bills you record. Used to display, chart and report on your own spending. |
| Receipt photos | Photos you deliberately capture for scanning. Used to extract merchant, total and category, then discarded. |
| Ask Raqam & spending explanations | The question you type, plus aggregated figures (monthly totals, category breakdowns) — never your name, email, or individual transaction notes. |
| Preferences | Currency, budgets, categories, theme, notification settings, language. |
| Subscription status | Whether you hold an active Premium plan, its term, and its renewal date. Payments themselves are handled by Apple or Google — we never see your card. |
| Crash diagnostics | Crash reports, app version, device model and OS version, collected automatically. Aggregated, never linked to your financial entries. |
We do not collect your bank credentials, contacts, precise location, browsing history, advertising identifiers, or the contents of your camera roll beyond the receipt photos you explicitly capture.
02What stays on your device
Raqam is offline-first by design. When you use it without an account:
- Every expense, budget, category and receipt entry is stored in a local database on your phone.
- Nothing is transmitted to us except automatic crash diagnostics.
- Deleting the app deletes the data. There is no server copy to recover, so please export first.
When you create an account and enable sync, a copy of your ledger is stored on our servers (encrypted in transit and at rest) so it can reach your other devices.
03Website analytics & cookies
This section covers getraqam.app, our website — separate from the app data described above. When you visit the site, we use two analytics tools to understand how it's used and to measure whether our marketing is reaching real visitors:
| Tool | What it collects and why |
|---|---|
| Google Analytics (GA4) | Pages viewed, general (city/region-level, never precise) location derived from IP address, device and browser type, and which site or ad referred you here. Used to understand traffic and, when we run ad campaigns, which channels are actually worth the spend. |
| Microsoft Clarity | Anonymised session recordings and click/scroll heatmaps of how visitors move through the site. Used to spot where people get stuck so we can fix it. Microsoft does not sell this data. |
Both tools use cookies or similar device-storage technology to tell repeat visits apart from new ones. Neither is linked to your Raqam account or the financial data described elsewhere on this page — website analytics and app data are kept separate. If you'd rather not be tracked, your browser's "Do Not Track" / tracking-protection settings and ad-blocking extensions work as normal here, and Google publishes a browser opt-out add-on for Analytics specifically.
04AI processing
Three optional features involve sending data to our AI provider (Groq, running Meta's Llama and Qwen models): receipt scanning, Ask Raqam, and AI spending explained. Natural-language expense entry (typing "coffee 500" instead of using the form) is not AI — it's parsed entirely on your device, nothing leaves your phone for that.
Receipt scanning
When you scan a receipt, the photo is sent over an encrypted connection to Groq, structured fields (merchant, total, category) are extracted and returned to your device, and the image is never stored on our servers — it passes through and is discarded immediately after processing.
Ask Raqam and spending explanations
The question you type, and the aggregate figures needed to answer it (your monthly totals and category breakdowns), are sent to Groq to produce a result. We send the minimum necessary — never your name, email or individual transaction notes.
Training
Your receipts, questions and spending figures are not used to train general-purpose AI models, ours or Groq's.
05How we use data
- To run the product — storing, categorising, charting and reporting on the expenses you record.
- To sync — delivering your ledger to your other signed-in devices.
- To generate insights — your weekly recap, spending explanations and budget alerts.
- To support you — answering the messages you send via Contact Us.
- To keep the service safe — detecting abuse and fraud.
- To find and fix bugs — using crash diagnostics.
We rely on performance of a contract for core functionality, and legitimate interests for security, crash diagnostics and product improvement.
07How long we keep it
- Receipt photos — never stored on our servers; processed transiently and discarded.
- Synced ledger & account data — kept while your account is open; permanently deleted from our servers within 7 days of you deleting your account (Settings → Security & data → Delete Account).
08Your rights
Wherever you live, you can do all of the following — most of it without contacting us at all:
- Access and export — Settings → Export gives you a complete CSV or PDF of everything you have recorded.
- Correct — every field of every expense is editable.
- Delete — Settings → Security & data → Delete Account removes your server data permanently within 7 days. This cannot be undone.
- Object or restrict — turn off sync or notifications, or simply avoid the optional AI features (receipt scanning, Ask Raqam, spending explained).
- Complain — you may lodge a complaint with your local data protection authority. We would rather you told us first.
If you are in the EEA or UK, these are your GDPR rights. If you are in California, you additionally have the right to know, delete, correct and opt out of "sale" or "sharing" — we do neither, so there is nothing to opt out of. We will never discriminate against you for exercising a right.
09Security
- Data is encrypted in transit (TLS) and, on our hosted database, at rest.
- The app can be locked behind Face ID, Touch ID, or your device passcode (Settings → Security & data → Biometric lock).
- Receipt scanning is verified server-side against your Premium entitlement, so it can't be bypassed by a modified app.
No system is perfect. If a breach ever affects your data, we will notify you and tell you plainly what happened.
10Children
Raqam is not directed at children under 13. We do not knowingly collect their data. If you believe a child has created an account, write to us and we will delete it.
11International transfers
Our servers and processors may be located outside your country. We apply the same protections described here regardless of where the data sits.
12Changes to this policy
If we make a material change we will tell you in the app before it takes effect. Minor clarifications are published with an updated date.
13Contact
Privacy questions, requests and complaints go to privacy@getraqam.app and are answered by a person, usually within two working days.
Still not sure about something?
Ask us directly. We would rather over-explain than have you guess.