一句话说清
WealthSnap 不收集你的任何数据 · 不向任何服务器发送 · 没有分析统计 · 没有跟踪 · 没有账户体系 · 没有云同步。
数据存哪里
- 你输入的所有财务数据（账户、资产、目标、快照、分类、AI 对话）都保存在你设备上的 SwiftData 本地数据库中 · iOS 静态加密。
- AI 服务商的 API Key 保存在 iOS 钥匙串（Keychain）· 不进代码 · 不进 Git · 不进跨设备备份。
- WealthSnap 没有后端服务器 · 我们看不到、也无法访问你的任何数据。
- 不同步到 iCloud。
AI 功能如何工作
当你在 App 中配置了 AI 服务商的 API Key · 你在 Ask tab 里的提问、以及你财务数据的一份摘要 · 会通过 HTTPS 加密直连你选择的服务商。
这个网络请求从你的设备直接发到 AI 服务商：
- WealthSnap 没有中间服务器
- 我们不查看、不记录、不存储这些请求
- 请求内容和响应由 AI 服务商按他们各自的隐私政策处理
使用前请阅读你所选服务商的隐私政策。你可以随时在 Settings · AI 配置里删除 API Key · 之后 AI 功能不会再发起任何网络请求。
网络请求清单
整个应用只有一种网络请求 · 且完全由用户主动触发：
- AI 对话 · 只在用户在 Ask tab 发送消息时发起 · 目标是用户配置的 AI 服务商 endpoint · HTTPS。
除此之外 · WealthSnap 不进行任何网络通信。不上报崩溃 · 不做统计 · 不发心跳。
你的权利
- 导出 · 通过 Settings → 数据 → 导出全部数据 · 得到一份 JSON · 包含账户/资产/目标/快照/对话 · 不包含 API Key。
- 删除 · 卸载 App 即可删除全部本地数据。开发版还提供"清空所有数据"按钮。
- 切换 AI 服务商 · 随时切换或清除 · 数据不受影响。
儿童
本应用不针对 13 岁以下儿童 · 也不有意收集儿童数据（我们不收集任何用户数据）。
更新
本政策若更新 · 会通过 App Store 更新说明告知。任何涉及新增数据收集的变更 · 都会在应用内明确提示并请求同意。
The one-liner
WealthSnap collects zero data from you and transmits nothing to us. No analytics, no tracking, no accounts, no cloud sync.
Where your data lives
- Every piece of financial data you enter (accounts, assets, goals, snapshots, categories, AI chat history) is stored locally on your device in a SwiftData database, encrypted at rest by iOS.
- AI provider API keys are stored in the iOS Keychain — never in source code, git, or any backup that leaves your device.
- WealthSnap has no backend server. We can't see or access any of your data.
- Nothing syncs to iCloud.
How the AI feature works
When you configure an AI provider API key inside the app, your Ask-tab questions and a snapshot of your financial data are sent over HTTPS directly to the provider you chose.
This request goes straight from your device to the AI provider:
- WealthSnap has no intermediate server
- We do not read, log, or store these requests
- The content and response are governed by that provider's privacy policy, not ours
Read your chosen provider's privacy policy before entering a key. You can delete your API key at any time in Settings → AI Configuration; after that, the AI feature makes no network calls at all.
Every network request
The app makes exactly one class of network request, all user-initiated:
- AI conversation — fires only when you send a message in the Ask tab, targets your configured AI provider endpoint, HTTPS.
Beyond that, WealthSnap does not talk to the network. No crash reporting, no analytics, no heartbeats.
Your rights
- Export · Settings → Data → Export gives you a JSON file with all accounts / assets / goals / snapshots / chats. API keys are never included.
- Delete · Uninstalling the app removes all local data. Debug builds also include a "Wipe all data" button.
- Switch AI providers · Change or clear providers any time; your financial data is unaffected.
Children
WealthSnap is not directed at children under 13, and we do not knowingly collect data from children (we do not collect data from anyone).
Updates
Material changes to this policy will be surfaced through the App Store release notes. Any change that would introduce data collection would require explicit in-app consent.