Budget analytics

Aggregate analytics exclude raw records and identifying record detail. They are used to explain household money patterns, not to track how you use the product or target advertising.

Private iCloud records

When you choose iCloud, financial records are stored in an on-device SwiftData replica and synchronised through a dedicated private CloudKit database for the signed-in Apple Account. Synchronisation is opportunistic, not instant or a backup guarantee. The full-record container is separate from the privacy-minimised bill-reminder bridge.

Data-source choice

The app also includes an in-memory preview and a separately configured shared repository. Switching sources never imports, copies or deletes records automatically, and no live shared-hosting provider is represented as selected.

Optional assistant

If configured and enabled, the assistant receives only the prompt and a bounded, privacy-reduced projection. Reads are limited to budgeting information and writes remain proposals until explicitly confirmed.

Exports and reminders

Exports are user-initiated. The bill-reminder bridge is opt-in, one-way and deliberately excludes financial amounts and account details. Completing a reminder does not mark a bill paid.

Optional subscription reviews

App Store review reminders are local notifications you choose to enable. Review preferences stay on that device. Subscription bills use your selected data source. The app cannot read subscriptions bought in other apps or automatically detect price changes.

Not a tax or accounting product

myBudgetCanvas does not provide business accounting, BAS, tax, CGT, EOFY, tax-return preparation or financial advice.