Komovi DE

Private by principle

What stays, stays. What leaves, you'll know.

Our apps have no account and no servers of their own. Your data lives on your device and, if you use iCloud, as a copy in your own iCloud. Whatever else leaves your device is listed here for each app: what, to whom, when and whether you can switch it off.

For both apps

Four promises.

  • No account

    You never sign up: no registration, no login, in none of our apps.

  • No bank login

    FinanzPilot connects to no bank, needs no bank login and never moves money. You read in your statements yourself.

  • On your device

    Your financial data, your steps and your calm minutes live on your iPhone, not with us. If you use iCloud, a copy sits in your own iCloud, never your steps or minutes.

  • What leaves is listed

    Every connection is listed below, with its recipient, timing and switch. We have no analytics or tracking tool of our own; the ads in the free versions come from Google and are non-personalised.

How to read the cards below:

  • By itself runs without you doing anything, mostly with a switch
  • If you switch it on off until you want it
  • When you do it only on your action

FinanzPilot

For iPhone and iPad · As of 9 November 2026, app version 3.2.4 · Full privacy policy (Deutsch)

At a glance: what leaves your device

Every row leads to the details further down.

WhatTo whomWhenSwitch off
iCloud BackupApple, in the private database of your own iCloud accountIf you allow itSettings › iCloud Backup
The iOS device backupApple (the device's iCloud Backup) or your computerBy itself · as set in iOSIn the iOS Settings, under the device's iCloud Backup
Ads (Google AdMob)GoogleBy itself · free version onlyEntirely with FinanzPilot Pro
ECB exchange ratesEuropean Central Bank, Frankfurt am MainBy itself · can be switched offSettings › Exchange rates
Apple WatchYour paired Apple WatchBy itself · only with the watch appRemove the FinanzPilot app from the watch
iCloud SyncApple, in your private iCloud, to your devicesIf you switch it onSettings › iCloud Sync
AI with your own keyAnthropic, directly from your deviceIf you switch it onWithdraw the permission or remove the key
Your own price sourceThe address you enter yourselfIf you connect oneSettings › Advanced · Prices
Crash and usage data to AppleAppleIf you allow it in iOSiOS Settings › Privacy & Security › Analytics & Improvements
Looking up an ISIN (OpenFIGI)OpenFIGI (Bloomberg Finance L.P., USA)Only when you tapNothing to set
FinanzPilot Pro (App Store)Apple (App Store)When you buyNot needed
What you send yourselfUs, wherever you send a file, and for Siri AppleWhen you do itDon't send it, don't share it

What stays on your device

  • Everything you enter or read in.

    Transactions, accounts, budgets, savings goals, assets, pillar 2 and 3a, tax and FIRE assumptions, your "About you" answers, notes and receipt photos: in a database on your device. We do not receive this data.

  • Everything the app works out and recognises.

    Reading in CSV, camt and PDF, text recognition on receipts, categories, budget, taxes and FIRE, and the on-device AI (Apple Intelligence): all of it runs on your iPhone or iPad.

  • No bank login, no account, no server.

    FinanzPilot connects to no bank and never moves money. There is no user account, no registration and no server of our own for the app.

  • No analytics or tracking tool of our own.

    The app contains no analytics or crash-reporting services of our own. What Google's ad SDK collects in the free version is listed below under ads.

  • Only on this device.

    The name and address you enter for a cancellation letter never go into the app's backup, sync or exports. Your Anthropic key sits in the iOS Keychain.

What leaves your device – only like this

  • If you allow it

    iCloud Backup
    What
    A copy of the whole database with receipt photos. Apple stores it encrypted; end-to-end encrypted, with no keys at Apple, only with iCloud's Advanced Data Protection. We have no access.
    To whom
    Apple, in the private database of your own iCloud account.
    When
    About once a day, only after you chose «Yes, back up». The app asks you once; nothing is backed up before.
    Switch off
    Settings › iCloud Backup
  • By itself · as set in iOS

    The iOS device backup
    What
    The normal iPhone or iPad backup includes FinanzPilot's database so it survives a device change. That is Apple's backup, not ours.
    To whom
    Apple (the device's iCloud Backup) or your computer.
    When
    As you set it in iOS.
    Switch off
    In the iOS Settings, under the device's iCloud Backup.
  • By itself · free version only

    Ads (Google AdMob)
    What
    What Google's ad SDK collects itself: IP address and the approximate location derived from it, device and system details, a device identifier, impressions and clicks, advertising data, the SDK's diagnostic, performance and crash data. Every request is flagged as non-personalised. The advertising identifier (IDFA) only if you allow tracking in the iOS prompt. Never your financial data.
    To whom
    Google (Google Ireland Limited; parent company Google LLC, USA).
    When
    Only in the free version, at the bottom of the app's pages; never over dialogs, menus or the introduction. Google's consent form asks first. If you decline there, Google may still show limited ads without personalisation, and the app does not ask about tracking.
    Switch off
    Entirely with FinanzPilot Pro: the ad SDK then never starts. Consent: Settings › FinanzPilot Pro › Ad consent. Tracking: iOS Settings › Privacy & Security › Tracking.
  • By itself · can be switched off

    ECB exchange rates
    What
    A download of the public euro reference-rate file. Nothing about you is sent; like any website, the ECB sees your device's IP address.
    To whom
    European Central Bank, Frankfurt am Main.
    When
    At most once a day, only if you hold accounts or securities in a foreign currency.
    Switch off
    Settings › Exchange rates
  • By itself · only with the watch app

    Apple Watch
    What
    A summary of your figures, such as what is left today, the fixed costs still due this month and the savings rate for the year (as a percentage). No transactions, no IBANs.
    To whom
    Your paired Apple Watch.
    When
    If you use the FinanzPilot app on the watch.
    Switch off
    Remove the FinanzPilot app from the watch.
  • If you switch it on

    iCloud Sync
    What
    Every entry separately; the content in fields that are encrypted on the device, receipt photos as encrypted files. Technical details such as the table name, change time and size remain readable to Apple. Noted expenses are not synced.
    To whom
    Apple, in your private iCloud, to your devices.
    When
    Only if you switch the sync on.
    Switch off
    Settings › iCloud Sync; that is also where you delete the sync data in iCloud.
  • If you switch it on

    AI with your own key
    What
    What the feature needs, for example your question, transaction descriptions, amounts, categories or monthly totals, and for the Copilot your canton, not your municipality. The app first replaces IBANs, account and card numbers with placeholders; card numbers keep at most their last four digits.
    To whom
    Anthropic (Anthropic Ireland, Limited; Anthropic PBC, USA), directly from your device. We are not in between and receive nothing.
    When
    Only if you add your own Anthropic key, explicitly allow the app to send data and use the Copilot, AI categorisation or the monthly briefing. The on-device AI (Apple Intelligence) sends nothing.
    Switch off
    In the AI section of the settings: withdraw the permission or remove the key.
  • If you connect one

    Your own price source
    What
    A holding's symbol or ISIN, and your own key if you added one. Never amounts.
    To whom
    The address you enter yourself. We are not involved.
    When
    At most once a day per holding.
    Switch off
    Settings › Advanced · Prices
  • If you allow it in iOS

    Crash and usage data to Apple
    What
    Crash reports and usage statistics from iOS, only if you allowed sharing with app developers in iOS. We only see what Apple shows us in App Store Connect, plus aggregated figures such as downloads and purchases.
    To whom
    Apple.
    When
    As set in iOS.
    Switch off
    iOS Settings › Privacy & Security › Analytics & Improvements
  • Only when you tap

    Looking up an ISIN (OpenFIGI)
    What
    Exactly one ISIN, to get the name and ticker. No amounts, no holdings, no identifiers; OpenFIGI sees the IP address.
    To whom
    OpenFIGI (Bloomberg Finance L.P., USA).
    When
    Only when you tap "Look up online" for an unknown ISIN.
    Switch off
    Nothing to set: nothing goes without your tap.
  • When you buy

    FinanzPilot Pro (App Store)
    What
    Purchase and "Restore purchases" run through Apple. The app checks on the device whether Pro is active. We receive no purchase or payment data.
    To whom
    Apple (App Store).
    When
    When you buy Pro or restore purchases.
    Switch off
    Not needed: the app sends no purchase data to us or to anyone else.
  • When you do it

    What you send yourself
    What
    E-mails to us that the app prepares ("Report a problem", "Report format", "Report ad"): app and iOS version, the current view, and for "Report format" details of the file and its column names, no transactions. Files and images you export or share. Siri requests.
    To whom
    Us (support@komovi.ch, mailbox at hosttech in Switzerland), wherever you send a file, and for Siri Apple, under Apple's rules.
    When
    Only when you send the e-mail from your mail app, pick a destination in the share sheet or ask Siri.
    Switch off
    Don't send it, don't share it.

Check it in the app: since FinanzPilot 3.2, a page of its own, «What stays, what leaves» (at the top of Settings), shows every one of these connections with its state on your device, and before an AI request you can look at what would be sent.

Katun

For iPhone · As of 7 November 2026, version 1.0 · Full privacy policy (Deutsch)

At a glance: what leaves your iPhone

Every row leads to the details further down.

WhatTo whomWhenSwitch off
iCloud: your katunApple, in the key-value store of your own iCloud accountBy itself · can be switched off"The katun" page › "Keep the katun in iCloud"
Ads (Google AdMob)GoogleBy itself · only without ProEntirely with Katun Pro or the purchase that removes ads
NeighboursOnly the people who are invited and acceptIf you invite or acceptLeave the neighbourhood; your entry is then deleted from it
Game CenterApple (Game Center)OptionalIn the iOS Settings under Game Center
Real weatherApple WeatherIf you choose itSwitch off "Weather like yours" (tap the sun or the moon)
Crash and usage data to AppleAppleIf you allow it in iOSiOS Settings › Privacy & Security › Analytics & Improvements
Katun Pro and purchases (App Store)Apple (App Store)When you buyNot needed
E-mail to usUs (support@komovi.ch)When you writeDon't send it

What stays on your iPhone

  • What Katun reads from Apple Health.

    Only if you connect Apple Health and allow it in iOS: your total steps per day, whether you use a wheelchair (only to offer the wheelchair distance once) and, if you choose "Wheelchair", wheelchair distance and pushes per day. No routes with locations, no heart rate.

  • What Katun writes to Apple Health.

    Your calm time by the fire, at the spring and on the stone as Mindful Minutes, if you allow it. Switch it off with "Save calm minutes to Apple Health" on "The walk" page.

  • Your health data never leaves your iPhone.

    Not to iCloud, not to your neighbours, not to Game Center, not to the ads, not to us. Katun's own record of your daily steps and calm minutes is left out of even the iPhone backup. If you choose "Calm minutes carry the herd", Katun reads no steps, and that choice stays on the iPhone too. (Apple Health itself can sync its data through your iCloud if you switched that on in iOS; that is Apple's service, not Katun's.)

  • Your katun, your chest, your settings.

    In files on your iPhone, encrypted by iOS; we do not receive them. A copy of the katun and the chest sits in your own iCloud (see below). The widget and the Live Activity get a small summary on the device, without step counts.

  • No account, no tracking of our own.

    No registration, no user account, no servers of our own, no analytics or tracking tool of our own. Katun doesn't ask for permission to track: Google never receives your iPhone's advertising identifier (IDFA).

What leaves your iPhone – only like this

  • By itself · can be switched off

    iCloud: your katun
    What
    Your katun without steps or calm minutes: herd, buildings, cellar, level and care, how far the herd has come on the first ascent, the year's blanket and the days whose steps have already been counted (dates only, no numbers). Plus how far you have heard Baba's tales, and your chest. Apple transfers and stores iCloud data encrypted; we have no access.
    To whom
    Apple, in the key-value store of your own iCloud account.
    When
    As long as the "Keep the katun in iCloud" switch is on. It is on until you switch it off.
    Switch off
    "The katun" page › "Keep the katun in iCloud"
  • By itself · only without Pro

    Ads (Google AdMob)
    What
    What Google's ad SDK collects itself: IP address and the approximate location derived from it, device and system details, device identifiers limited to one app or developer, impressions and clicks, advertising data, the SDK's diagnostic, performance and crash data. Every request is flagged as non-personalised. Never health data, nothing from your chest, never the advertising identifier (IDFA).
    To whom
    Google (Google Ireland Limited; parent company Google LLC, USA).
    When
    Only without Katun Pro and without the purchase that removes ads: one small banner at the foot of the app's pages, from 6:00 to 21:00. Never at launch, never late at night, never with Baba's tales, never during calm time or in the two minutes after, never while you write in the chest. Google's consent form asks first; if you decline, Google may still show limited ads without personalisation. No rewarded ads.
    Switch off
    Entirely with Katun Pro or the purchase that removes ads. Consent: Google's privacy options on "The katun" page.
  • If you invite or accept

    Neighbours
    What
    The first name you enter for your neighbours, your herd's names (lambs included), your katun's level and buildings, when you were last there, and the help you bring each other (deleted once it has arrived). Never steps, calm minutes, your chest, Baba's tales, weather or location. Depending on how you invite, the person you invite sees your e-mail address or phone number.
    To whom
    Only the people who are invited and accept. The neighbourhood is kept in the iCloud of the person who invited; Apple provides it, we have no access.
    When
    When you invite someone under "Neighbours over the ridge" or accept an invitation.
    Switch off
    Leave the neighbourhood; your entry is then deleted from it.
  • Optional

    Game Center
    What
    Your progress on the achievements and three leaderboard values: care this week, care in all, Lutalica's finds. Never a step count, a distance or calm minutes.
    To whom
    Apple (Game Center).
    When
    If you are signed in to Game Center on your iPhone, or after you tap "Sign in to Game Center" in Katun.
    Switch off
    In the iOS Settings under Game Center; that is also where you choose who sees your profile.
  • If you choose it

    Real weather
    What
    "Weather like yours": your approximate location; Katun doesn't store it. "Weather on Kom": only the fixed coordinates of the peak, nothing about you. Apple sees the IP address.
    To whom
    Apple Weather.
    When
    Only if you choose real weather instead of the mountain weather Katun makes up; with "Weather like yours" at most once an hour.
    Switch off
    Switch off "Weather like yours" (tap the sun or the moon) or withdraw the location permission in the iOS Settings.
  • If you allow it in iOS

    Crash and usage data to Apple
    What
    Crash reports and usage statistics from iOS, only if you allowed sharing with app developers in iOS. We only see what Apple shows us in App Store Connect, plus aggregated figures such as downloads and purchases.
    To whom
    Apple.
    When
    As set in iOS.
    Switch off
    iOS Settings › Privacy & Security › Analytics & Improvements
  • When you buy

    Katun Pro and purchases (App Store)
    What
    Purchases and "Restore purchases" run through Apple. The app checks on the iPhone whether a purchase is active. We receive no purchase or payment data.
    To whom
    Apple (App Store).
    When
    When you buy or restore purchases.
    Switch off
    Not needed: the app sends no purchase data to us or to anyone else.
  • When you write

    E-mail to us
    What
    Your e-mail address, your name if you give it, and what you write. Please don't send us health data, including screenshots from Apple Health.
    To whom
    Us (support@komovi.ch, mailbox at hosttech in Switzerland).
    When
    Only when you write to us.
    Switch off
    Don't send it.

komovi.ch

This website.

  • No cookies, nothing from third parties.

    This website sets no cookies, uses no analytics or tracking scripts and loads no fonts, images or videos from third parties. There are no forms, accounts or newsletter here.

  • Server logs in Switzerland.

    The web server at hosttech (servers in Switzerland) stores technically necessary details on every visit: IP address, date and time, the page visited, the referring page, browser and operating system. They are usually deleted after a few days to weeks.

  • Access statistics, no profiles.

    From the logs, the hosting creates access statistics (Webalizer), without cookies or scripts. They may list the IP addresses or host names of the most frequent visitors; we link them to nothing and build no profiles.

  • Google Search Console, without Google code.

    There is no Google code on this website; Google receives no data from us when you visit. Google only shows us aggregated figures about Google Search.

Binding

The full texts.

This page summarises the privacy policies; the policies themselves are binding. Questions, access or deletion: support@komovi.ch.

FinanzPilot privacy policy Katun privacy policy Legal notice