Privacy Policy
Draft for legal review · last updated 23 September 2026
The short version
Achieve keeps your household’s money in one place so the people in it can see it together. We collect what you type in, we use it to run the app for your household, and we do not sell it, show you ads, or use analytics that track you.
What we collect
- Your account: name, email address, and a password or your Google sign-in.
- Your household’s finances, as you enter them: incomes, bills, EMIs and debts, SIPs, expenses and their notes, goals, and the household name.
- Who logged what and when, so the streak and activity feed can show it.
- A push notification token for your device, so nudges and reminders can reach it.
- Your subscription status, if you buy Achieve Plus.
- Your questions to the AI coach and its answers, only if you turn the coach on.
Who can see it
Everyone in your household sees the household’s shared finances. Personal goals are visible only to you. Nobody outside your household can see your data through the app.
Services we use
- Supabase stores the database and runs sign-in (servers in Sydney, Australia).
- Groq runs the AI coach. When you ask the coach something, your question and the household figures it needs to answer are sent to Groq. The coach is off until you agree to this, and you can turn it off or clear the conversation in Settings.
- Apple and Google deliver notifications and process purchases. RevenueCat records which household a subscription belongs to.
- Google, if you choose to sign in with Google.
Each receives only what it needs to do that job.
Your choices
- Export everything as a spreadsheet: Settings → Your data.
- Turn notifications off in your phone’s settings at any time.
- Turn the coach off, or clear its conversation: Settings → Coach.
- Delete your account: Settings → Delete account. This deletes your login and your whole household, for everyone in it, immediately and permanently.
How long we keep it
Until you delete it. Deleting an expense, goal or bill removes it. Deleting your account removes your household’s data from the live database straight away. Backups held by our database provider expire on their own schedule.
Security
Data is encrypted in transit and at rest. Access to each household’s rows is enforced by the database itself, not only by the app.
Children
Achieve is for adults managing a household’s money and is not directed at children under 18.
Changes and contact
If this policy changes in a way that matters, the app will say so before the change applies. Questions go to our support address.
Terms of Use
Draft for legal review · last updated 23 September 2026
Using Achieve
Achieve is a tool for tracking and planning a household’s money. By creating an account you agree to these terms. You need to be 18 or older.
Not financial advice
Figures, scores, plans and the AI coach’s answers are estimates built from what you enter. They are not financial, tax, investment or legal advice. Check anything important with a qualified professional before acting on it.
Your household
The person who creates a household owns it and decides who joins and who can edit. Anyone you invite can see the household’s shared finances. Deleting any account in a household deletes the whole household, for everyone in it.
Your content
What you enter stays yours. You let us store and process it only to run the app for your household. You can export it or delete it at any time.
Achieve Plus
Plus is a subscription for the whole household, billed by Apple or Google. It renews automatically until cancelled in your store account settings. Refunds are handled by the store under its own rules.
Acceptable use
Do not use Achieve to break the law, to access another household’s data, or to interfere with the service. We may suspend accounts that do.
The service
We work to keep Achieve available and accurate, but it is provided as is. To the extent the law allows, we are not liable for losses from relying on its figures or from interruptions to the service.
Changes
We may update these terms. If a change matters, the app will tell you before it applies.
Security
Draft for legal review · last updated 23 September 2026
No bank connection
Achieve never asks for bank credentials, SMS access or statements. Everything in it is what your household types in.
Who can read what
Row-level security in the database limits every household’s rows to the people in that household. Personal goals are limited to their owner. This is enforced by the database, so a bug in the app can’t widen it.
In transit and at rest
All traffic between the app and our servers uses HTTPS. The database is encrypted at rest by our provider, Supabase.
Purchases
When you buy Plus, our server checks the purchase with the store before your household gets access. Nothing your phone says on its own can grant it.
The AI coach
The coach is off until you turn it on. It receives your household’s figures and your question, never your name or email. Every rupee figure in an answer is checked against your figures on our server before it reaches you.
Leaving
Export your data as a spreadsheet at any time, or delete your account in Settings, which removes your login and household straight away.
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