This Privacy Policy describes how Edge LLC ("Edge LLC," "we," "us," or "our") handles information in connection with the Smart Envelope AI mobile application (the "App"). Edge LLC is an Illinois limited liability company located at 2720 Dundee Road, Suite 224, Northbrook, IL 60062.
By downloading, installing, or using the App, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please do not use the App.
Smart Envelope AI is designed so that your financial information (your transactions, balances, and budgets) stays on your iPhone. We do not maintain a customer database of your financial activity. We do not connect to your bank. We do not sell your information.
To make the receipt-scanning feature work, the App briefly transmits each receipt photo to a processing service so artificial intelligence can read the image and return structured data (merchant, amount, suggested category). The image is processed and then automatically deleted within 30 days under our provider's standard data retention terms. It is never used to train any AI model. The structured result is returned to your phone and lives only there.
Our guiding principle: Your money. Your phone. Nobody else's business.
We want to be clear about what Edge LLC does NOT do:
The following information is created and stored locally on your iPhone:
If you have enabled iCloud Photos or iCloud backup on your iPhone, copies of receipt photos and other app data may be synced to your personal iCloud account under your control. That iCloud sync is a service provided by Apple, governed by Apple's privacy practices, and uses your storage. Edge LLC does not have access to your iCloud account.
This section describes exactly what happens to a receipt photo when you use the "Snap a receipt" feature.
1. You take a photo of a receipt using the App on your iPhone.
1. The image is transmitted over an encrypted HTTPS connection to a server operated by Edge LLC on Cloudflare Workers (Cloudflare is a cloud infrastructure provider with which we have a standard service agreement).
2. The Cloudflare Worker forwards the image to Anthropic, PBC ("Anthropic"), which provides the Claude artificial intelligence service. Anthropic processes the image to extract the merchant name, amount, date, and a suggested envelope category.
3. The structured result (text only, merchant, amount, date, category) is returned to your iPhone.
4. The image is not stored on the Cloudflare Worker. According to Anthropic's API terms in effect at the time of this Policy, content submitted via the Claude API is automatically deleted from Anthropic's systems within 30 days of processing, unless a longer period is required by law or to enforce Anthropic's usage policy, and is not used to train Anthropic's models. Edge LLC does not currently have a Zero Data Retention agreement with Anthropic, so this 30-day window applies. We do not store the image on any server we operate.
5. The image itself remains on your iPhone (in the App) and is cleared automatically when you start a new month, unless you have enabled iCloud Photos backup in your iPhone settings.
In plain terms: the receipt picture briefly leaves your phone so AI can read it. It's automatically deleted within 30 days and never used to train any model. The categorized result is what stays on your phone.
When you use the "Speak" feature to enter a transaction, the App uses your device's built-in browser-based speech recognition (the Web Speech API, as implemented in WebKit on iOS). This method always transmits your voice recording to a remote server for transcription. Unlike Apple's separate native speech framework, the Web Speech API has no on-device-only mode. Every use of "Speak" sends audio off your phone for processing.
This audio processing is performed by Apple's WebKit speech recognition service under Apple's privacy practices. Edge LLC does not receive, record, or retain the raw audio. We receive only the transcribed text, which is used solely to populate the transaction entry on your phone. Edge LLC does not control how Apple handles or retains this audio. Apple's handling of the audio is governed by Apple's privacy practices.
If you prefer that your voice never leave your phone, use the "Type" entry method instead, which involves no audio transmission of any kind.
Your subscription to Smart Envelope AI is sold and managed by Apple Inc. through the App Store. When you subscribe, Apple collects payment and account information directly from you. That information is governed by Apple's Privacy Policy, not this one.
Apple shares with us only:
Apple's Privacy Policy is available at apple.com/legal/privacy.
If you have opted in through iPhone Settings > Privacy & Security > Analytics & Improvements > Share With App Developers, Apple may share aggregated, anonymized diagnostic and usage data with us. This data is controlled by your iOS settings and Apple's policies. Edge LLC does not collect diagnostic data through any service other than what Apple provides through these settings.
Edge LLC uses the following third-party service providers in connection with the App:
Each provider operates under its own privacy and security practices and is bound by its agreement with Edge LLC. We do not authorize these providers to use your data for any purpose other than providing the services we have contracted for.
Smart Envelope AI is intended for adults 18 and older. The App is not directed to children, and Edge LLC does not market the App to children. Edge LLC does not knowingly collect personal information from children under 13. Because transaction and receipt data stays on your device and Edge LLC operates no user database, Edge LLC does not knowingly receive a child's personal information through the App. If Edge LLC learns that it has received personal information from a child under 13, Edge LLC will delete that information promptly. A parent or guardian who believes a child under 13 has used the App can contact Edge LLC using the information in Section 14.
Because the App stores your financial data locally on your device, you control that data directly:
The App stores your financial data on your device, and Edge LLC holds very little personal information about you. To delete the limited data Edge LLC could hold, uninstall the App and cancel your subscription through Apple. If the law of your jurisdiction gives you privacy rights in the limited information Edge LLC holds, contact Edge LLC using the information in Section 14, and Edge LLC will respond as the law requires.
We use commercially reasonable measures consistent with the App's architecture:
No method of storage or transmission is 100% secure. We will notify affected users and applicable regulators of any data breach as required by law.
The App is offered from the United States. If you use the App from outside the United States, receipt images processed through the Snap feature may be processed in the United States or other countries where our service providers operate. By using the App, you consent to such processing.
We may update this Privacy Policy from time to time. The "Effective Date" at the top indicates the latest revision. Material changes will be communicated through the App or on our website at smartenvelope.app. Your continued use of the App after the effective date of an updated Policy constitutes your acceptance of the updated terms.
If you have questions about this Privacy Policy or our privacy practices:
Edge LLC
2720 Dundee Road, Suite 224
Northbrook, IL 60062
Email: ed@edge-llc.net