Your data, yours.

Bloom Finance is designed to work locally on your device. It is not a bank, lender, or payment processor and cannot see, move, or hold your money. Financial information you enter is stored locally on this device unless you enable optional Bloom Finance account sync. If you use that feature, selected information may be securely transmitted and stored so it can work; you will always be informed before that occurs.

1. Local-first, private by design

Every balance, bill, transaction, savings goal, credit card, sticky note and calendar entry you type into Bloom Finance is stored on this device using the operating system’s secure storage. Bloom Finance is local-first: your data remains on this device unless you enable optional Bloom Finance account sync (for example, account sign-in or account backup). If you do, only the specific information needed to power that feature is securely transmitted and stored, and it is never sold or shared for advertising.

2. What Bloom Finance does NOT do

Bloom Finance does not connect to any bank. It does not use Plaid, Yodlee, MX or any other account-aggregation service. It does not link, read, or store bank account numbers, routing numbers, debit card numbers, credit card numbers, PINs, CVVs, ACH details or online banking credentials. It does not process card payments, initiate ACH transfers, send or receive money, or facilitate peer-to-peer payments. It does not pay bills on your behalf and has no access to any of your real-world financial accounts.

3. What is stored on this device

Information you choose to enter into Bloom Finance includes: accounts, bills, transactions, savings goals, credit-card records, notes, attachments and files, calendar events, and the preferences you configure. This information is stored locally on this device unless you enable Bloom Finance account sync, in which case selected information is also stored with your Bloom Finance account so it can appear on your other authorized devices. Uninstalling the app or using the in-app “Wipe all local data” action permanently removes the local copy from your device; any data already synced to your Bloom Finance account remains available until you delete it (see §7).

4. What is not collected in the current version

We do not collect bank account balances from any third party. We do not import transactions from any third party. We do not receive card statements. We do not receive payments. Every financial figure Bloom Finance knows about is data you have manually typed into the app on this device. If you enable Bloom Finance account sync, the selected information you have entered is transmitted to your Bloom Finance account so your other authorized devices can see it — never sold or shared for advertising.

5. Subscriptions

Bloom Pro subscriptions are processed by Apple (App Store) and Google (Google Play). The app does not see or store your payment card, bank details or billing address. The app receives subscription/purchase information needed to verify entitlement. Bloom Pro is an account entitlement, subject to Bloom Finance authorized-device limits and Apple / Google store transaction rules. You can cancel any time from your device’s App Store or Google Play subscription settings. Bloom Finance charges no other fees.

6. Third parties

We do not sell your data. We do not share your data for advertising. We do not use advertising SDKs or profiling analytics. To operate optional account-based features (account sign-in, Bloom Finance account sync, password reset email, subscription verification, customer support), Bloom Finance uses a small number of service providers acting on our behalf: hosting/infrastructure providers used to operate the Bloom Finance backend; authentication services for account sign-in; a transactional email provider for password-reset and support messages; Apple and Google for subscription-receipt verification and refunds; and inbound support tooling for messages you send us. Each provider only receives the specific information necessary to perform its function on our behalf, and Bloom Finance does not authorize any of them to use that information for their own purposes.

7. Your rights

You are in full control of your data. At any time you can view, edit, or delete any entry directly in the app. Use “Wipe all local data” in the app to permanently erase every local record from this device. Uninstalling Bloom Finance removes the local copy of your data from that device only; any data already synced to your Bloom Finance account remains stored with your account until you delete it. To delete your Bloom Finance account and all data synced to it, use the in-app account deletion flow or email hello@globloomstudio.com.

8. Children and teens

Bloom Finance is intended for users age 13 and older. Users between 13 and 17 should ask a parent or guardian before using the app. We do not knowingly collect data from children under 13.

9. Optional account-based sync features

Bloom Finance can be used without an account for local, on-device planning. Some optional features — account sign-in, Bloom Finance account sync, and Owner Management — require transmitting selected information to Bloom Finance servers or authentication service providers so those features can work. When you enable such a feature you will be informed inside the app, and only the information necessary to provide that feature is transmitted. Bloom Finance does not sell your data or use it for advertising. Bloom Finance may record limited device metadata for signed-in accounts (a stable per-install identifier, a short device name, the model name, the platform, the OS name and version, and the app version) to support account security, device tracking, and authorized-device management. Raw operating-system device identifiers (such as IDFV or Advertising ID) are never collected. Owner Management is an administrative membership system that may manage things like subscriptions, invitations, discounts, account status, device access, and membership benefits; it is not a finance data storage service. Future changes to these optional services will be reflected in this Privacy Policy.

10. Changes to this policy

We may update this Privacy Policy over time. The date at the top of this page reflects the most recent revision. We will notify you inside the app of any material changes.

11. Contact us

For any question about privacy in Bloom Finance, please email hello@globloomstudio.com. Bloom Finance is a product of Glo Bloom Studio.