Effective: 2026-09-14
Keel stores everything you enter — debts, payments, income, expenses, assets, goals — locally on your iPhone. There are no accounts and no cloud sync. We cannot see your data.
Your debts, budget and assets are stored only on your iPhone. Keel runs no servers that receive your financial data.
Coach insights are generated by Apple Intelligence on your device. Coach conversations run on your device or, when available, on Apple's Private Cloud Compute, which processes each request without storing it and is independently verifiable. What the coach sees: your anonymous totals (debt, income, expenses, surplus, net worth, well-being score), the figures its tools compute from your debts, and the questions you type. No names, notes or account numbers are ever included.
Keel does not collect a device identifier, usage analytics or crash reports beyond what Apple provides to every developer with your consent.
Keel contains no analytics, no crash reporting, and no third-party SDKs.
Deleting the app deletes your data. Keel keeps nothing anywhere else.