Effective [EFFECTIVE DATE] · Version 1.0

Privacy Policy

How Nyatabi handles your ledgers, photos and conversations with Musubi. Each section has a plain-words summary next to it.

Local firstWithout an account, your ledgers never leave your iPhone.
Sign in to syncSigned in, ledgers are stored on our servers so they sync and can be shared.
AI asks firstNothing goes to an AI service until you agree. You can withdraw any time.
No ads, no trackingDelete your account in Settings and your private data goes with it.

1. Who runs Nyatabi

Nyatabi is built and run by Innei, an independent developer, not a company. In this policy, “we” means Innei, who decides how the personal data described here is used.

Privacy questions: [email protected].

2. What stays on your device

You can use Nyatabi without an account. Ledgers, expenses, plans and receipt photos are stored in the app's storage on your iPhone and are not sent to us.

Some features use your device directly: the camera and photo library when you add a receipt, and nearby-device discovery when you invite someone in person. Nearby distance is used only to find the other device.

3. What we collect when you sign in

When you sign in with Apple, LobeHub or email, we store the following so the app can sync, share and run Musubi. We use it to provide the app and to personalise Musubi's answers. We don't use it for advertising.

DataWhat it includesWhen
AccountName, email, account ID from your sign-in provider, device IDs for sync and notificationsSign-in
LedgersAmounts, splits, debts, repayments, notes, itineraries and the names of participantsSign-in and every change
PhotosReceipt and chat photos you attachWhen you attach one
LocationPrecise location on a receipt, or shared in chat to find nearby placesOnly when you share it
Chats and memoryYour messages to Musubi and its replies, and facts it saves for you, which can include allergies, diet or mobility needs you tell itWhen you use Musubi Cloud
PurchasesVerified App Store subscriptions and scan packs. We never see your card.When you buy
UsageAI call, token and scan counts for your allowance, and response timesWhen you use Musubi

4. Musubi and AI

Before Musubi sends anything off your device for the first time, the app tells you what will be sent and to whom, and asks for your permission. If you decline, you can still add expenses by hand.

  • Nyatabi Cloud (default): your message, attached photos and the context Musubi needs are processed on our servers and sent to [AI PROVIDERS].
  • LobeHub: requests go to LobeHub and the model provider you choose there, under LobeHub's terms.

Musubi only drafts. Nothing is written to your ledger until you confirm it. Withdraw permission in Settings › AI. Cloud withdrawal applies to your account on every device.

Provider retention and training: [TO CONFIRM PER PROVIDER].

5. Who sees what

  • People you invite see everything in the ledgers you share with them, including who paid and who owes whom.
  • Service providers who host and run the app for us: [HOSTING, STORAGE, AI PROVIDERS].
  • Apple processes purchases and push notifications.

We don't show ads and don't track you across other apps or websites. We disclose data to authorities only when the law requires it.

6. Keeping and deleting

We keep your cloud ledgers, chats, photos and saved memories while your account exists, or until you delete them. Usage records are removed after 15 days.

When you delete your account in Settings, we delete your private chats, photos, memories and AI permissions, and ledgers only you were in. Ledgers you shared stay available to the other members. Your devices are signed out.

Backups: [BACKUP RETENTION].

7. Your choices

In the app you can export a ledger, delete messages and memories, withdraw AI permission, turn off location, and delete your account. You can also ask us to access, correct or delete your data at [email protected]. Depending on where you live, you may have further rights: [REGION-SPECIFIC RIGHTS].

8. Children

Nyatabi is not directed at children under [AGE], and we don't knowingly collect their data.

9. Changes and contact

If we change this policy in a way that matters, we'll tell you in the app before it applies. Earlier versions stay available on this page.

Innei · [email protected]