Everything you enter — accounts, balances, bills, debts, goals, photos, notes — is stored on the device you enter it on — your Mac, your iPhone or your iPad — and, if you use iCloud, in your own private iCloud database, which is how the same record appears on all of them. D×M has no user accounts and no servers of its own. We cannot see your data.
Nothing, by default. D×M has no analytics, no tracking, and no advertising.
One optional feature, Leo's cloud voice, is off unless you turn it on in Settings. When it is on, the figures in a single answer — your totals, and the name, amount and timing of a goal Leo mentions — are sent to DeepSeek (api.deepseek.com) so Leo can phrase the answer. Nothing is sent when it is off, and you can turn it off at any time. Your API key is stored in the system Keychain, never in the app's files.
Find a photo. When you press "Find a photo" on a goal, the words in the search field are sent to Pexels (api.pexels.com) so it can show you pictures. Only your search words go — nothing about your money, and nothing that identifies you. The picture you choose is stored with the goal like any other, with a small credit line naming the photographer, as Pexels asks.
The subscription is handled entirely by Apple through your Apple ID. D×M never sees your payment details.
Delete the app and its data at any time. Export everything D×M knows at any time — Settings on the Mac, You › Snapshots on the iPhone. Questions: arrington.copeland@gmail.com.
This policy changes only if the app's behaviour changes, and the date above changes with it.