Privacy policy

Effective 7 October 2026

The short version. PickCard runs entirely on your iPhone. It has no server, makes no network calls, has no account, and contains no analytics, advertising or tracking code. We never receive your cards, your messages or your spending, so we have nothing to sell, share or lose. On the App Store, PickCard is labelled Data Not Collected.

1. Who this applies to

This policy covers the PickCard app for iPhone, its widgets and its share extension. PickCard is made by an independent developer (contact below). There is no PickCard server and no account system: everything described here happens on your own iPhone.

2. What PickCard stores

Everything below is stored on your iPhone, in PickCard’s own storage, and only there.

Your cards. For each card: a nickname you choose, its last four digits, the statement day and the due rule, its colour, and, if you add them, the credit limit and its currency. For a debit card, optionally the account’s last four digits. The bills you mark as paid.
Cash in hand, if you add it: the amount you start with, the withdrawals you move into it, the cash you spend and the counts you make.
Balances. The available credit or balance you set yourself, and the balances stated in messages you share.
Bank messages you share or hand over through a Shortcuts automation: the amount, merchant, date and balance a message states, plus a fingerprint of its text so the same message is never counted twice. The words of a message are kept only while it waits in Activity to be read, and deleted once it is.
Anything you type yourself. Entries added by hand, instalment plans, loans on a debit account, expected subscriptions, the message formats you teach PickCard, the category on a purchase, your own categories, and the merchants you teach a category or a cash withdrawal for.
Your settings. Appearance, reminder defaults, the credit reserve, whether the lock is on, whether widgets may show amounts, whether the tab bar shows the month’s spend, and any rough currency rates you type in.

3. What PickCard never asks for

PickCard never asks for, and has no field for, a full card number, an expiry date, a CVV, a PIN, an online banking login or password, your name, your email address or your phone number. It does not read your messages by itself: it only sees a message you share to it or that your own Shortcuts automation passes to it.

4. Where your data lives

On your iPhone, protected by iOS data protection like any other app’s data. If you back up your iPhone to iCloud or a computer, that backup includes PickCard’s data under your own Apple account or on your own computer. PickCard has no account of its own and no access to those backups.

PickCard’s widgets and share extension read the same storage on the same iPhone. A widget shows the card to reach for, card names and dates. A widget shows amounts (the available credit on a card, the amount of an expected charge) only if you turn on Show amounts in widgets in Settings, which is off until you do. A Lock Screen widget never shows an amount, and turning the setting off removes amounts from the data widgets read. While PickCard is locked after its trial, widgets show only a prompt to unlock it.

5. What leaves your iPhone

Nothing. PickCard has no server, makes no network calls of its own and fetches nothing, not even exchange rates: any rates you type stay on the phone. It contains no third-party code at all, and no analytics, advertising or crash-reporting code. It cannot see your data, and neither can we.

Export writes a file and hands it to the share sheet. Where it goes next is your choice, and once it leaves it is yours to look after.
Reminders are scheduled with iOS on the phone itself.
The trial and PickCard Lifetime are bought through the App Store. Purchases are made and checked by Apple; PickCard only learns whether you started the trial or unlocked it, and when. Your payment details never reach PickCard.
Crash reports. If you have chosen, in iOS Settings, to share analytics with app developers, Apple may pass anonymous crash reports from PickCard to us. They contain technical details of the crash, not your cards, messages or spending. PickCard itself sends nothing.

6. On-device category suggestions

On iPhones with Apple Intelligence, PickCard can suggest a category for a purchase using Apple’s on-device model. It sees the merchant name and nothing else: no amounts, cards, dates or message text. The suggestion is made on your iPhone and nothing is sent anywhere. You can turn suggestions off in Settings, and every suggested category says so and can be changed.

7. Bank messages and Shortcuts

You choose what PickCard sees. You can share a message to it from Messages, set up a Shortcuts automation that passes messages containing a card’s last four digits, or type an entry yourself. Nothing is pre-programmed for any bank: PickCard reads a message only in a format you taught it, from your own messages, on your own phone.

8. Permissions

Permission	Why	Required?
Notifications	Reminders before a statement closes and a payment is due, and when it’s time to switch cards	Optional
Face ID or passcode	The app lock, if you turn it on. iOS checks it; PickCard only learns whether the check passed	Optional

Both are optional, and PickCard works without either.

9. Your control

Remove a captured message, and everything it produced (the entry and the balance it stated) goes with it.
Forget a format you taught, and PickCard stops reading that shape of message.
Edit or remove any entry, plan, loan, subscription or category. Move a withdrawal back out of cash. Archive a card and it drops out of the recommendation.
Export, in Settings, gives you everything as a file.
Erase everything, in Settings, removes every card, message, plan, format and setting and starts PickCard over. Deleting the app does the same.

Because we never receive your data, there is no copy of it anywhere for us to delete.

10. Children

PickCard is meant for adults managing their own cards, and is not directed to children under 13.

11. Not financial advice

PickCard works from the details you enter and the messages you share. Its dates and balances are estimates: always check your bank’s statement and terms. PickCard is not a bank and is not affiliated with any bank or card network.

12. Your rights

Depending on where you live, you may have rights to access, correct, export or delete personal data held about you (for example under the GDPR or CCPA). With PickCard you exercise all of them directly in the app, because the only copy of your data is on your iPhone: edit or remove anything, use Export, or use Erase everything. Apple holds the records of your App Store account and download under its own policies.

13. Changes to this policy

If this policy changes, the new text ships inside the app and is published on this page with a new effective date. There is no mailing list to notify, because PickCard does not know who you are.

14. Contact

Questions about privacy? Email thilinaabeyrathna@gmail.com.