Afforda Privacy Policy
Last updated: 30 October 2026
Who we are
Afforda is an app that helps you check whether you can afford a purchase, track your spending, plan goals and trips, and split costs with friends. It is run by Nikola Lesar, an independent developer based in Croatia ("we", "us").
Questions about your data: support@afforda-app.com
The short version:
- We collect only what the app needs to work.
- We do not sell your data, show ads, or track you across other apps or websites.
- Our AI features never receive your income, savings, name or email.
- Receipt photos are read on your phone and are never saved or uploaded.
- You can export or delete your data in the app at any time.
What data we collect and why
You can use Afforda as a guest or with an account. What we store depends on which.
| Data | What it is | Why we need it | Where it is kept |
|---|---|---|---|
| Account | Your name, email and password (the password is stored encrypted, we never see it). If you forget your password, we email you a one-time code. | To log you in and back up your data | Our server (Supabase) |
| Guest ID | An anonymous login with a random ID, no email or name | So guests can use Split groups. A guest's checks, finances, spending, goals and trips stay only on the phone | Our server |
| Your finances | Income, savings, monthly costs, debts | To run the "Can I afford this?" check | Guests: only on your phone. Accounts: also backed up on our server |
| Checks and bills | Items you checked (name, price) and your fixed costs | To show your history and verdicts | Same as above |
| Spending | Expenses, budgets and your own categories | Spending tracking and budget alerts | Same as above |
| Goals and trips | Your goals, trips, trip budgets and costs | Plans | Same as above |
| Split groups | Group name, currency, join code, the names you type, expenses (title, amount, who paid, date, split, category) | To share costs with friends | Our server, visible to all group members |
| Usage records | How many AI searches and receipt scans you used (this month, today, and free scans in total), your Pro status and credits, and an estimated cost per AI request | To enforce limits and keep costs under control | Our server |
| Security records | Your user ID and your phone's IP address when a wrong group join code is entered | To stop people guessing join codes | Our server, deleted after about a day |
| Feedback | Messages you send with "Send feedback": the type (idea, problem, something you don't like), your message, your email if you choose to add it, the app version, phone model, date and your user ID | To read your feedback, improve the app and reply if you asked us to | Our server, deleted when you delete your account |
Our hosting provider also keeps standard technical server logs (for example, when a request was made). These are used only to keep the service running and secure.
Legal basis (EU/EEA users): we process your data to provide the app you asked for (contract), to keep it secure and prevent abuse (legitimate interest), and where required, with your consent (for example, camera access).
The AI features
Afforda uses AI from Anthropic, the company that makes the Claude AI, for two things: "Find a cheaper option" and, sometimes, receipt scanning (see the next section). Our server sends the request to Anthropic. Your phone never talks to Anthropic directly.
Find a cheaper option
What is sent: the item name, its category, price, currency, your country (two letters), and three numbers we work out from your finances: your comfortable budget, your "tight" limit, and the highest monthly payment that fits.
What is never sent: your income, savings, debts, email, name or user ID.
Anthropic processes these requests under its commercial terms, which say it may not use this content to train its AI models. For "Find a cheaper option", the AI searches the web to suggest products, so its suggestions and prices may be wrong or out of date.
Receipt scanner and camera
If you use "Scan receipt", the app asks for access to your camera or photo library. The receipt is first read directly on your phone using Apple's built-in text recognition.
- The photo is not saved in the app and not uploaded anywhere. It is deleted right after reading.
- Usually the receipt text stays on your phone. Only when the items don't add up to the total, the app sends the receipt text (item names, prices, shop name, date, tax and tip lines) to our server, which passes it to Anthropic to sort it out. Before sending, the app blanks out email addresses, phone numbers and long numbers (such as card or loyalty numbers). Your photo, name, email and user ID are not sent to Anthropic, and we do not store the receipt text.
- Only what you confirm and save (shop name, total, date, category) becomes a normal expense.
You can turn off camera or photo access at any time in your iPhone Settings.
Notifications, ads and tracking
Notifications: budget alerts are created on your phone. We do not collect a push token or send notifications from our server. An alert may show a budget name (for example "Food") on your lock screen.
No ads, no tracking, no analytics: Afforda has no advertising, no analytics tools and no tracking across other apps or websites. We do not sell or share your data for advertising.
If you agreed to share diagnostics with app developers in your iPhone settings, Apple may send us anonymous crash reports.
Who else handles your data
We use a small number of service providers. They may only use your data to provide their service to us.
| Provider | What they do | Data they handle |
|---|---|---|
| Supabase | Database, login and server functions | Everything stored on our server (see the table above) |
| Anthropic | AI for "Find a cheaper option" | Only the requests described in the AI and receipt sections |
| Apple | App Store, payments for Pro, notifications on your phone | Purchase details (we never see your card details) |
| Expo (EAS) | Builds the app | No user data |
| RevenueCat | Manages Pro subscriptions and AI scan packs | Your user ID, your purchases and standard device and store details (not your name or email) |
| Resend | Sends password reset emails | Your email address and the one-time code |
| Cloudflare | Our website and forwarding of emails sent to our support address | Emails you send us, and standard connection details when you visit our website |
| Exchange rates (free public currency-api, delivered by jsDelivr and Cloudflare) | Provides currency exchange rates | No personal data: your phone downloads a public rate file. These hosts see standard connection details (like your IP address), as any website does |
Some providers may process data outside the EU, for example in the United States. Where this happens, it is covered by safeguards required by EU law, such as Standard Contractual Clauses.
Shared groups and trips
When you create or join a Split group or a shared trip, the group name, the names added, and all group expenses are visible to every member of that group.
You can add friends by typing their name; they do not need the app. Please only add names your friends are happy to share with the group, and do not put sensitive information in expense titles.
How long we keep data and how to delete it
We keep your data while you use Afforda. You can delete it at any time:
- Delete account: Profile → tap your name → Delete account. This removes your login and all your personal data from our server.
- Delete all my data: removes your data from your phone and from the backup, but keeps your account.
- Export my data: gives you a copy of your data as a file: your settings, finances, checks, bills, spending, goals, trips and Split groups.
- Guests (no account): Profile → Data → Delete all my data removes your data from your phone and from our server. Your name stays in shared Split groups, without any link to you, so the other members' totals stay correct.
What stays after deletion: expenses you added to a shared group, and your name in that group, stay visible to the other members so their totals remain correct. A group is deleted when its last member leaves. Records of AI costs are kept without any link to you.
Your rights
You can ask us to see, correct, export or delete your data, to limit how we use it, or object to its use. Email support@afforda-app.com and we will reply within 30 days.
If you are in the EU, you can also complain to your data protection authority. In Croatia this is AZOP (Agencija za zaštitu osobnih podataka).
If you are in the United States: we do not sell or share your personal information, and you can ask us to access or delete it in the same way.
Children
Afforda is not meant for children under 16. We do not knowingly collect data from children under 16. If you believe a child has used the app, contact us and we will delete their data.
Changes to this policy
If we change this policy, we will update the date at the top and, for important changes, let you know in the app.
Contact
Nikola Lesar, Croatia · support@afforda-app.com