1. Scope and operator

This Privacy Policy applies to the SumKeep mobile application and the related online services used to provide AI extraction, purchase access, diagnostics, optional notifications, exchange-rate references, and support. In this policy, “SumKeep,” “we,” “us,” and “our” mean CHICHA OUSSAMA, located at Salé 11000, Morocco.

SumKeep is available worldwide. Local privacy laws may give you additional rights. We apply this policy together with rights that cannot be limited under the law where you live.

2. Information we process and why

Receipt records and local app data

Receipt records, editable fields, line items, categories, business details, report preferences, original receipt images, saved merchant defaults, and your local history are stored on your device. SumKeep does not provide cloud synchronization or cloud backup of your receipt library in this version.

CSV and PDF reports are generated locally. A report leaves the app only when you choose a destination through the operating system’s share sheet. Action Desk priorities, month-close readiness, factual milestones, and suggested receipt-to-statement matches are calculated locally.

AI-assisted receipt extraction

When you start an AI scan, SumKeep creates a compressed copy of the receipt image or of the pages you selected from a PDF. That prepared image is sent over an encrypted connection to our Supabase AI proxy, which forwards it to the configured AI provider solely to extract receipt fields. Structured results are returned to the app for your review and editing. The original full-resolution image remains on your device.

AI extraction is optional. Manual entry remains available. Do not submit a document if you are not authorized to process it or if you do not want its content processed by the configured AI provider.

Files you select or share

SumKeep receives only images, PDFs, CSV, OFX, or QFX files that you explicitly select or share through an operating-system interface. PDF pages are rendered locally for preview. If you continue with AI extraction, only the prepared page images follow the AI flow described above.

Private statement import and matching

CSV, OFX, and QFX statements are parsed on your device. Statement files are not sent to the receipt AI provider, analytics services, or our backend. The temporary picker copy is deleted after import or cancellation.

SumKeep discards account numbers, routing details, IBANs, addresses, cardholder names, and balances. It keeps locally only the posting date, signed amount, currency, identifier-redacted merchant text, and local identifiers needed to detect possible duplicate rows and support matching. Suggestions use amount, currency, date proximity, and merchant similarity; you make every final matching decision.

Exchange-rate requests

When you request a converted dashboard, report, or export value, SumKeep sends only the source currency code, reporting currency code, and receipt purchase date to Frankfurter for an indicative historical reference rate. Receipt images, merchant names, notes, line items, totals, and tax amounts are not sent with the rate request. Original amounts and currencies remain unchanged. Reference rates and provider details may be cached locally.

Anonymous service identity and usage allowance

SumKeep creates an anonymous service identifier so the backend can enforce the five successful AI-scan free allowance, prevent abuse, and recognize Pro access. A name, email address, or password is not required for normal use. This identifier is not your Apple ID.

Purchases

Apple processes App Store payments. RevenueCat receives product, transaction, and entitlement information needed to unlock and restore SumKeep Pro. We do not receive your full payment-card number.

Operational diagnostics and network information

The current release does not enable Mixpanel, Sentry, OneSignal, or advertising tracking. Our hosting providers may process routine request information such as IP address, approximate country or region, request timing, response status, and error details to operate, secure, troubleshoot, and protect the AI allowance and entitlement services. We do not place receipt images, merchant names, totals, tax amounts, notes, or line items in analytics or diagnostic event properties.

3. Service providers and disclosures

We use service providers only for functions needed to operate SumKeep: Supabase for the authenticated AI proxy and anonymous service records; the configured AI provider for extraction; Apple for distribution and billing; RevenueCat for purchase entitlements; and Frankfurter for reference rates. The current release does not enable Mixpanel, Sentry, or OneSignal.

We do not sell your receipt content or statement data. We do not use receipt content for cross-app advertising. We may disclose limited information when required by law, to protect users and the service, to investigate abuse, or as part of a business transaction where applicable privacy protections continue.

International processing

Because SumKeep is offered worldwide, service providers may process information in countries other than yours. Where required, we rely on recognized transfer safeguards and the protections available under our provider agreements.

4. Retention, security, and children

Retention

Local receipt data remains on your device until you delete it, delete the app, or erase the device. Temporary statement picker copies are deleted after import or cancellation. Cached exchange-rate references remain locally until app data is cleared. Anonymous service and entitlement records are retained while needed to provide access, prevent abuse, meet legal obligations, resolve disputes, and process a deletion request.

A prepared AI image is used to return the extraction you requested. Processing and operational retention by a service provider are subject to the production configuration, our provider agreement, security needs, and applicable law.

Security

We use encrypted network connections, operating-system data protection, limited data flows, anonymous service identifiers, and provider access controls designed to protect information. No system is completely secure, so keep your device updated and protected by a passcode and do not scan documents you are not authorized to process.

Children

SumKeep is a general business and productivity tool and is not directed to children. Do not use SumKeep if you are not legally able to consent to these practices and do not have authorization from a parent or guardian where local law requires it.

5. Your choices and privacy rights

Camera, photo-library, and notification permissions are optional and can be changed in system settings. Manual entry remains available without camera access. You may delete a receipt, delete an imported statement batch, clear all local app data, or delete the anonymous service identity and associated app records from SumKeep’s Settings screen.

Depending on where you live, you may have rights to access, correct, delete, restrict, or object to processing; receive a portable copy; withdraw consent; or complain to a local privacy authority. We will not discriminate against you for exercising a privacy right.

Policy updates

We may update this policy when SumKeep or its providers change. We will change the effective date and provide any additional notice required by law. Material changes apply prospectively unless the law permits otherwise.

1. Using SumKeep

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use SumKeep on devices you own or control, subject to these Terms and Apple’s usage rules. You may use the app to capture, organize, search, reconcile, and export receipts and files you are authorized to process.

You are responsible for the accuracy of saved records, for reviewing AI-extracted fields, and for keeping original documents when required by your accountant, client, employer, tax authority, or applicable law. SumKeep is an organizational tool, not accounting, financial, legal, or tax advice.

AI-assisted extraction

AI results can be incomplete or incorrect because of blur, cropping, language, receipt layout, network conditions, or provider limitations. Confidence indicators are review aids, not guarantees. Online AI scanning requires a network connection and may be limited temporarily for maintenance, outages, abuse prevention, or cost protection. Manual entry and local records can continue without online extraction.

Statement matching

Statement import is an optional local reconciliation aid. It does not connect SumKeep to your bank. You must be authorized to process each selected statement. Suggested matches can be incomplete or incorrect; review amount, currency, date, merchant, and transaction direction before confirming a match or treating a month as complete.

Exchange rates and reports

Converted values are indicative estimates based on historical reference rates supplied through Frankfurter and its listed central-bank sources. A rate may use the latest available business day on or before the receipt date. A bank, card issuer, payment processor, accountant, or tax authority may use a different rate because of timing, fees, spreads, rounding, or applicable rules. Verify the required rate before relying on a converted value. Original receipt values remain preserved.

2. Free access, trials, and subscriptions

Free allowance

The free plan includes five successful AI-assisted scans. Failed processing attempts and manual entries do not use that allowance. SumKeep may apply reasonable abuse controls to online features.

SumKeep Pro

SumKeep offers auto-renewable Monthly Pro and Annual Pro subscriptions. Pro includes the features and limits shown on the purchase screen, such as unlimited scans subject to reasonable abuse controls, batch capture, reports, and export.

• Monthly Pro: billed monthly. It does not include a free trial.
• Annual Pro: billed annually. A seven-day introductory free trial is available only when Apple confirms that the Apple ID is eligible.

The purchase screen displays the current StoreKit-localized price, currency, billing period, trial eligibility, and renewal disclosure before confirmation. If an eligible Annual trial is not canceled before it ends, it converts to the paid Annual subscription at the price Apple displayed when you subscribed.

Renewal, cancellation, and refunds

Monthly and Annual subscriptions renew automatically unless canceled through Apple account settings at least 24 hours before the current period ends. Apple may charge the Apple ID within 24 hours before renewal. Cancellation takes effect at the end of the current paid period; deleting SumKeep does not cancel a subscription.

Apple handles payment, cancellation, billing disputes, and refunds under its rules. SumKeep does not receive your complete payment-card details and cannot directly issue an App Store refund. Restore Purchases checks the Apple ID signed in on the device.

3. Acceptable use and ownership

You agree not to:

• violate law or process documents without authorization;
• submit malicious instructions or content intended to manipulate AI or infrastructure;
• probe, disrupt, overload, or circumvent security or reasonable usage limits;
• reverse engineer, copy, resell, sublicense, or exploit SumKeep except where law permits;
• misrepresent AI output, suggested matches, or converted values as professionally verified;
• use SumKeep to infringe privacy, intellectual-property, or other rights.

We may restrict online features when reasonably necessary to protect users, providers, and the service. Local data remains under your device controls. SumKeep’s software, branding, interface, and original content are owned by us or our licensors. You keep the rights you hold in documents and data you submit.

4. Third-party services, disclaimers, and liability

SumKeep relies on third-party services for distribution, billing, AI extraction, reference rates, and optional operational features. Their services may be unavailable or change, and their terms may also apply to your use of those services.

To the maximum extent permitted by law, SumKeep is provided “as is” and “as available,” without guarantees of uninterrupted availability, error-free extraction, complete matching, or fitness for a specific accounting, financial, legal, or tax purpose. Nothing in these Terms excludes a warranty or consumer right that cannot legally be excluded.

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive loss, or for lost profits, revenue, data, goodwill, or business opportunity arising from use of SumKeep. This limitation does not apply where liability cannot legally be limited, including liability that mandatory local law reserves.

You are responsible for maintaining appropriate device backups, original documents, and independent professional review. The app’s local-first design does not replace an operating-system or device backup strategy.

5. Apple-specific terms

These Terms are between you and CHICHA OUSSAMA, not Apple. Apple is not responsible for SumKeep or its content. Apple has no obligation to provide maintenance or support. To the extent a legally required warranty applies and SumKeep does not meet it, you may notify Apple, and Apple may refund the purchase price, if any, as provided by its rules. To the maximum extent permitted by law, Apple has no other warranty obligation.

We, not Apple, are responsible for addressing claims relating to SumKeep, including product-liability, legal-compliance, consumer-protection, and intellectual-property claims, subject to these Terms and applicable law. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce the Apple-specific provisions after you accept them. Apple’s App Store Terms and Standard EULA also apply where applicable.

6. Ending use, changes, and contact

You may stop using SumKeep at any time. You can delete local data and the anonymous service identity from Settings. Deleting the app does not cancel an active subscription. We may suspend access to online services for a serious or repeated breach, unlawful use, security risk, or provider requirement, subject to applicable law.

We may update these Terms as SumKeep evolves. Updated Terms will show a new effective date, and we will provide any additional notice required by law. Continued use after the effective date constitutes acceptance, except where the law requires a different process.

Scanning and AI extraction

If the camera will not open

1. Open iPhone Settings → Apps → SumKeep → Camera and allow access.
2. Return to SumKeep and try Scan again.
3. If you prefer not to enable Camera, import an image or PDF or choose manual entry.

If processing fails or fields look wrong

1. Confirm that the full receipt is visible, well lit, in focus, and not heavily folded.
2. Check your internet connection; online AI extraction requires network access.
3. Try one clear page first. SumKeep supports selected receipt images and PDFs.
4. Review every returned field and edit anything uncertain before saving.
5. Use manual entry if the receipt layout or language is not extracted reliably.

Receipts, currencies, statements, and reports

Subscriptions and purchases

Plans

• Monthly Pro: monthly auto-renewing subscription, with no free trial.
• Annual Pro: annual auto-renewing subscription, with a seven-day free trial for eligible new subscribers when Apple confirms eligibility.

Restore a purchase

1. Make sure the iPhone is signed in with the Apple ID that made the purchase.
2. Open SumKeep → Settings → Subscription.
3. Tap “Restore Purchases” and wait for the entitlement check to finish.

Manage or cancel

Open SumKeep → Settings → Subscription → Manage subscription, or visit Apple Subscriptions. Cancel at least 24 hours before the current period ends to prevent renewal. Deleting the app does not cancel the subscription.

Request a refund

Apple handles App Store billing and refunds. Submit an eligible request through Apple’s Report a Problem. SumKeep support cannot directly reverse an App Store charge.

Privacy, permissions, and deletion

Camera, photo-library, and notification permissions are optional. Change them in iPhone Settings. Manual entry remains available without Camera access.

To clear receipts and images, open SumKeep → Settings → On this device → “Delete all local data.” To also remove the anonymous service identity and associated app records, choose “Delete account and data.”

Before contacting support

1. Delete data directly in SumKeep

Delete one receipt

Open History, select the receipt, and use its delete action. This removes the receipt record and its locally stored image from the app. Deletion cannot be undone by SumKeep support because the library is not cloud-synced in this version.

Delete one statement batch

Open the private statement-check workflow, select the imported batch, and delete it. This removes the local statement transactions and related match evidence without deleting your receipt library.

Delete all local data

1. Open SumKeep and select Settings.
2. Scroll to “On this device.”
3. Tap “Delete all local data.”
4. Read the confirmation and approve only if you want to continue.

This clears receipts, original images, statement activity, matches, cached local rules, preferences, and temporary app files on the device. It does not cancel an Apple subscription and does not, by itself, remove the anonymous service identity.

Delete the anonymous service identity and associated data

1. Open SumKeep and select Settings.
2. Scroll to “On this device.”
3. Tap “Delete account and data.”
4. Confirm the deletion request.

This control clears local financial data and asks the configured backend to remove the anonymous service identity and associated app records. It also resets analytics identity where configured. Records that must be retained for legal, security, fraud-prevention, or transaction obligations may be kept only for the required period.

2. Control device permissions and communications

Camera and photos

Open iPhone Settings → Apps → SumKeep and change Camera or Photos access at any time. Manual receipt entry remains available without Camera permission.

Notifications

Turn Friday Action Desk and monthly-report reminders on or off in SumKeep Settings. Manage system notification permission in iPhone Settings → Notifications → SumKeep. Disabling notifications does not affect saved receipts or subscription access.

AI processing

AI extraction happens only when you deliberately start an AI scan. You can avoid sending a prepared receipt image by choosing manual entry. Statement files are parsed locally and are not sent to the AI provider.

3. Manage a subscription

Open SumKeep → Settings → Subscription → Manage subscription, or visit Apple Subscriptions. Monthly and Annual subscriptions renew automatically unless canceled at least 24 hours before the period ends. Deleting SumKeep or its data does not cancel billing.

For App Store refund eligibility, visit Apple’s Report a Problem.

4. Make a privacy request

If you cannot use the in-app controls, or if you want to exercise an access, correction, deletion, restriction, objection, portability, or consent-withdrawal right available where you live, email oussama247@icloud.com.

Use the subject “SumKeep Privacy Request.” Explain the right you want to exercise, your country or region, and enough non-sensitive information for us to locate the anonymous app record. We may need to verify that the request belongs to you. Do not email receipts, statements, bank credentials, tax identifiers, or complete payment details.

An authorized agent may submit a request where local law permits. We may ask for proof of authorization and identity appropriate to the request. You may also complain to the privacy or data-protection authority in your country or region.