Last updated: July 2026
Rata y Fina ("the App", "we") is operated by Lucas Gemperle Ortiz (sole developer, Spain). Contact: [email protected]
This policy explains what data the App handles, how, and your rights under the EU General Data Protection Regulation (GDPR), the UK GDPR and other applicable privacy laws. It applies to the iOS app distributed through the Apple App Store.
| Data | Where it lives | Purpose | Legal basis (GDPR) |
|---|---|---|---|
| Name, age and preferences you enter during onboarding (e.g. tone mode, savings goal) | On your device | Personalise your experience | Performance of contract (Art. 6(1)(b)) |
| Financial entries: expenses, income, categories, budgets, savings goals, notes | On your device | The core function of the App | Performance of contract (Art. 6(1)(b)) |
| Purchase and subscription status, anonymous purchase identifiers | Apple and RevenueCat servers | Process your subscription, unlock premium features, restore purchases, prevent fraud | Performance of contract (Art. 6(1)(b)) |
| Anonymous usage data (which screens you visit, in-app events, anonymous session recordings) | PostHog (EU servers) | Understand how the App is used, find where it can be improved, fix issues | Legitimate interest (Art. 6(1)(f)) |
We do not collect: bank credentials or bank access, contacts, location, health data, or advertising identifiers. We do not track you across other apps or websites. Analytics data is anonymous and not linked to your identity.
We have no other processors. We do not transfer your data to third parties for marketing.
Some processors (e.g. RevenueCat) may process data in the United States. PostHog analytics are hosted on EU servers. Where transfers outside the EU occur, they rely on safeguards recognised under GDPR/UK GDPR, such as the EU-U.S. Data Privacy Framework and/or Standard Contractual Clauses.