Last updated: May 14, 2026

1. Overview Kobo is developed by Marvin Oghenerobor, based in Germany. This policy explains how Kobo handles your data.

2. Data We Collect

Financial Data All budget data (expenses, accounts, allocations) is stored exclusively in your private iCloud account via CloudKit. This data is never accessible to the developer. Apple's iCloud privacy policy governs its storage and security.

Anonymous Usage Analytics Kobo uses PostHog to collect anonymous app usage data to help improve the app. This data includes:

• Features used and screens visited
• App performance and error reporting
• Device type and iOS version

This data is not linked to your name, email, or any personal identifier. No financial data is included in analytics.

3. Data We Do Not Collect

• Name or email address
• Financial account details
• Location data
• Any data that identifies you personally

4. Third-Party Services

• Apple iCloud / CloudKit — private data storage
• PostHog — anonymous analytics (posthog.com/privacy)

5. Your Rights (GDPR) As a user in the European Union you have the right to access, correct, or request deletion of your data. Since we do not collect personal data, there is nothing held by us to delete. Your iCloud data can be deleted directly from your iCloud settings.

6. Children's Privacy Kobo is not directed at children under 13. We do not knowingly collect data from children.

7. Changes to This Policy We may update this policy occasionally. Continued use of the app constitutes acceptance of any changes.