Last Updated: [Insert Date]
📌 Introduction
Welcome to DimeAI, a mobile-first expense tracking application that uses AI to intelligently extract and categorize financial transactions from your email. Your privacy is critically important to us. This Privacy Policy explains what data we access, why we access it, and how we ensure your data remains secure, private, and under your control.
DimeAI is designed to be local-first — meaning your data stays on your device unless you choose otherwise. We use OpenAI’s GPT API to assist in parsing email content locally and enhance the accuracy of expense categorization.
We are committed to complying with Google’s OAuth 2.0 Limited Use Requirements, and all applicable data protection laws.
🔐 Information We Collect and Use
Google Account and Gmail Access
When you sign in with your Google account, DimeAI requests read-only access to your Gmail inbox via the following scope:
This scope allows DimeAI to:
Identify and parse financial transaction emails (e.g. card bills, bank updates)
Extract relevant fields like amount, vendor, category, and date
Use this data to create structured insights about your spending
We never access:
Email attachments
Drafts
Personal communications (e.g., messages with family or friends)
Non-financial emails
AI Processing (ChatGPT API)
To improve accuracy in categorizing and summarizing expenses, we use OpenAI’s GPT API to process transaction-related email content. This processing happens securely and is limited to only relevant metadata.
No full email threads, personally identifiable information (PII), or user identity are ever sent to OpenAI.
Note: OpenAI does not store user API inputs by default unless data logging is explicitly enabled — DimeAI does not enable logging.
📦 Data Storage and Retention
Local-First Design:
All parsed email data and categorized expenses are stored only on your device.
DimeAI does not use any external databases, cloud backups, or server-side storage.
Your Control:
You can delete all data at any time from within the app.
You can revoke Gmail access anytime at:
Google Account Permissions
DimeAI does not persist any data once you uninstall the app.
⚙️ How We Use Your Data
We only use your data for the following purposes:
Purpose | Explanation |
|---|---|
Expense Categorization | To automatically sort and label your transactions (e.g., “Groceries”, “Utilities”) |
Budget Insights | To show summaries, graphs, and trends on how you spend money |
Offline Analysis | All calculations, trends, and summaries are computed on-device |
❌ What We Never Do
❌ We never share, sell, or monetize your data
❌ We never use your data for advertising
❌ We never access unrelated emails
❌ We never collect your contacts, files, or location
🧾 Third-Party Services Used
Service | Purpose | Privacy Link |
|---|---|---|
OpenAI (ChatGPT API) | Parsing transaction email content to extract key fields like amount, vendor, and category | https://openai.com/privacy |
Google OAuth (Gmail API) | Sign-in and access to transaction-related emails | https://policies.google.com/privacy |
🔄 How to Revoke Access
You may revoke DimeAI’s access to your Gmail account at any time via your Google Account settings:
Go to: https://myaccount.google.com/permissions
Locate DimeAI
Click Remove Access
🔒 Security
DimeAI uses industry-standard practices to protect your data:
OAuth 2.0 secure flow for authentication
Scopes limited to gmail.readonly
Local data encryption (device-level encryption, if available)
No external logging or tracking
Your data never leaves your device unless you explicitly export or back it up.
👤 Children’s Privacy
DimeAI is not intended for users under the age of 13. We do not knowingly collect personal data from children. If we discover such data has been inadvertently collected, it will be deleted immediately.
🇺🇸 Compliance
We comply with:
Google’s User Data Policy for OAuth
Google API Services User Data Policy
Applicable privacy laws (e.g., GDPR, CCPA where applicable)