Privacy
As of: November 17, 2026. Applies to Reach: Savings on iOS and Android.
This policy is available in German, English, Dutch, Swedish, French, Spanish and Greek. If they differ, the German version applies.
The most important thing first
Reach: Savings works locally. Your numbers are stored and calculated on your device. There is no user account, no Reach server, no analytics, no advertising and no network access by the app. On iPhone, Apple can include the database in your iCloud backup if you have turned it on. More under “Where the data is stored”.
Controller
Charalampos Theocharidis
Schleiermacherstr. 123
44869 Bochum
Germany
Email: hello@reachyourgoals.app
We are not required to appoint a data protection officer (Art. 37 GDPR, § 38 BDSG) and have not appointed one.
What data the app stores
Account names, account types and, for cash and savings, the kind of account (such as current account or savings account), whether an account was newly opened or already existed, its earlier balance, your monthly balances, payments into an investment account, when you archive an account, whether the money went to another account in the app or somewhere else, goals, redemptions of goals, planned expenses, a “No, something else” to the question after saving per goal and month, the reference day, yearly payments, marks you set on a month and, if you enter it, your net income. A redemption includes the goal with its name and target amount and, if the goal was reached, also the month it was reached, the month, the amount, whether the money went somewhere else or to an account in the app, and whether the goal keeps running. This is information about your finances. Your settings (currency, reminder, app lock on or off) are added, along with a random identifier of this installation. The identifier appears in every change entry of the app. It contains neither your name nor your email address and leaves your device only in a backup file that you create yourself. Do not write information about your health or other people into account names and goal names.
Your net income (optional)
For the savings ratio you can voluntarily enter what reaches you each month after deductions. The app asks once, and only if you agree. Like all your numbers, the entry is in the database on your device and nowhere with us. It is processed there and serves only the savings ratio. It is not in the table (CSV). A backup file contains it if you had entered it before creating the file. On the iPhone it is part of your device’s iCloud backup if you have turned that on. The legal basis is your consent (Art. 6(1)(a) GDPR). You can withdraw it at any time with effect for the future: under More, Net income for the savings ratio, choose “Remove net income”. The app then removes every entry from the database and from its change log and leaves no amount behind. In backup files and iCloud backups you created earlier, the entry remains. Deletion does not reach those. You delete such files where you saved them. “Delete all data” removes the net income as well.
Purpose and legal basis
The app stores and calculates your entries so that you can see your balance and your savings rate. This is part of using the app, which you choose by installing it (Art. 6(1)(b) GDPR). The notification on the reference day appears only if you turn it on and your device allows it. The legal basis is your consent (Art. 6(1)(a) GDPR). You can withdraw it at any time with effect for the future by turning off the reminder under More. We process an email from you to clarify your request (Art. 6(1)(b) or (f) GDPR). You do not have to enter any data. If you enter none, the app has nothing to show. You have no other disadvantages.
Where the data is stored
Your data is in a database of the app on your device. Nothing of it goes to us automatically. On iPhone, the database is part of your device’s iCloud backup if you have turned it on. Apple then stores the backup under its own terms, and we have no access to it. On Android, the database is excluded from Google’s auto backup. When you move to a new device, you therefore need your own backup file.
App lock
You can lock the app with a PIN and, if your device offers it, with face or fingerprint. The lock is off at the start. A salted check value is calculated from your PIN and stored in your device’s secure key storage (iOS Keychain, Android Keystore). We do not store the PIN itself. Face and fingerprint are checked only by the operating system. Your biometric data is never accessible to the app. It only learns “confirmed” or “not confirmed”. The lock protects against prying eyes, it does not encrypt your data. A forgotten PIN cannot be recovered. Then the only way is to delete the app. Your data is lost in the process, unless you have a backup file.
Reminder on the reference day
If you wish, the app reminds you on your reference day with a notification. This works only if you turn on the reminder under More and allow notifications for the app in the system settings. Your device schedules the notifications itself, up to 12 months ahead. No server sends them, and the app creates no push identifier. The notification names no amounts and no account names, only the reference day. It can be visible on the lock screen. None comes for a month that already has balances. You turn the reminder off under More or withdraw the permission in the system settings. “Delete all data” also resets it.
Backup file and export
The app creates a backup file or a table (CSV) only when you tell it to. Both go through your device’s share menu to the destination you choose. We receive no copy. The file sits briefly in the app’s cache just for sharing and is deleted afterwards. The backup file is encrypted. The key is a recovery code that appears only once. We do not know it and cannot restore it. If you lose it, nobody can get at the data in the file anymore, not even we. The table is not encrypted, so protecting it is up to you. Both files contain your financial data, and the backup also contains the app’s change log. What happens to the file at the destination depends on the destination. With “Copy code” you place the code on your device’s clipboard. Depending on the system, other apps can read it, and Apple can transfer it to other devices with the same Apple ID. A password manager is safer. The backup is also your way to data portability (Art. 20 GDPR).
Disclosure to third parties
Reach: Savings sends no data to Reach or to third parties. There is no account, no analytics, no advertising and no network access by the app. We do not sell data. Third-party technology is involved only here. Apple and Google deliver the app through their stores and receive no data from the app from us. Apple stores the iCloud backup, if you have turned it on, under its own responsibility. Your mail app and your mail provider process emails you send us. The destination of a file you share is outside our control.
Feedback by email
If you write to us through “Write feedback”, your mail app opens with a prepared text. The email only leaves once you send it. It contains your sender address, your text, the app version and your operating system. We use it to handle your request and reply to you (Art. 6(1)(b) or (f) GDPR). Afterwards we delete the message, unless a legal retention duty applies. Please do not send us account balances or information about your health. The terms of your mail app and your provider also apply to how your email is processed.
Deleting
Your data stays on your device until you delete it. Under More, Delete all data you remove all accounts, balances, goals and settings, including the change log. If you edit or archive an entry beforehand, the earlier version stays in the change log until you delete all data. If you delete a goal whose redemption you entered, the redemption stays saved with the goal’s name, because it still counts toward your savings rate. It stays until you delete all data or remove the month of the redemption. If you remove the month, the earlier version stays in the change log. “Delete all data” removes all of it. The exception is your net income, see above. The PIN of the app lock and the identifier of this installation stay in the key storage. They contain no financial data. Uninstalling the app removes the database. On iPhone, the key storage can survive uninstalling, and the app cleans it up at the next installation. You delete an iCloud backup in the iPhone settings. You delete your own backup files and tables where you saved them.
Your rights
Under the GDPR you have the right to access (Art. 15), rectification (Art. 16), erasure (Art. 17), restriction of processing (Art. 18), data portability (Art. 20) and objection (Art. 21). You can withdraw consent at any time with effect for the future (Art. 7(3)). Because your data is on your device and not with us, you can view, change, export and delete it there yourself. We can only give access to data you sent us by email. The app makes no automated decisions under Art. 22 GDPR. Savings rate, range and the estimate for the goal are calculations for your own orientation. You can complain to a supervisory authority. The one responsible for us is the Landesbeauftragte für Datenschutz und Informationsfreiheit Nordrhein-Westfalen (LDI NRW), Kavalleriestraße 2 bis 4, 40213 Düsseldorf, www.ldi.nrw.de. You can also turn to the authority where you live.
Children
The app is not aimed at children. It is intended for people aged 16 and over.
Planned features
These features are not part of the app today. A paid tier, Reach Savings Pro, is planned, with purchases handled through Apple and Google. Further features that transmit data would be optional. Before we introduce any of this, we will update this policy and tell you in the app.
Changes to this policy
If the app or the law changes, we update this policy. The current version is in the app under More, Privacy. The date at the top shows the version.
Contact
Send questions about privacy to hello@reachyourgoals.app.