Privacy Policy

Last updated: 9 October 2026

Talksum ("we", "our", or "us") operates the Talksum mobile and web application (the "App"). This Privacy Policy explains what data we collect, how we use it, and your rights.

1. Information we collect

Google account data. When you sign in with Google, we receive your email address and display name from Google OAuth. We use these solely to identify your account.

Financial data. The App stores the expense and income transactions and the savings books you log — amounts, dates, categories, notes, bank names, terms, interest rates, and any other details you enter. Your transaction data is stored on your device. Free accounts are local-only: we do not hold a copy of your transactions on our servers unless you enable sync, which is a paid feature.

Voice, typed requests and AI processing. When you use voice input, your speech is transcribed on your device. The resulting text, or the request you type into the capture bar, is sent to Groq, LLC, a third-party AI processor based in the United States, together with the context needed to understand it: the transaction records needed for context and, when you fill in a form by voice or text (for example a savings book), the values already in that form, such as the bank, amount, term and interest rate.

*Why:* the only purpose is to turn what you said or typed into the fields of a record (amount, category, bank, rate and so on), and to generate spending insights. We do not use it for advertising or profiling, and we do not sell it.

*Not linked to you:* the request we send to Groq carries no name, email address or account identifier. Please note that the words themselves can still identify you if you include, say, a person's name, so avoid saying anything you would not want processed.

*What we keep:* our servers do not store your sentence or the form values after the answer comes back. Two exceptions: if you have run out of free AI turns for the day, the result is held against your account for up to 10 minutes so you can unlock it (for example after a rewarded ad), then deleted; and if you have turned on sync, the records you save are stored with your account as described above. We count how many AI turns your account uses each day, as numbers only. The App also counts, on your device only, how often you correct a field the AI filled in, to show you how well it is doing; that count is never sent to us.

By using voice input or AI-powered features, you consent to this transfer. Groq's privacy policy is available at https://groq.com/privacy-policy.

Crash reports. When the App crashes, we send the technical details of the failure to Sentry, a third-party error-monitoring service based in the United States. A report contains the error, where it occurred in our code, and the error's own description — which can occasionally contain a fragment of what you had just entered, because that fragment is often what caused the error. When the AI cannot make sense of a sentence you said or typed, the report also carries that sentence, a short reason code and what the AI answered, so we can see why it failed. Reports never contain your transaction history, your voice recordings, or your name, email or account identifier. This is on by default; you can turn it off at the bottom of the Privacy screen in the App.

2. How we use your data

We use collected data to:

We do not sell your personal data to third parties.

3. Data retention

We retain your data for as long as your account is active. Transaction data stored locally on your device persists until you delete the App or your account. Data held on our servers is deleted permanently when you delete your account (see Section 5).

4. Third-party services

5. Deleting your account and data

To delete your account and all associated data permanently:

  1. Open the App.
  2. Go to Settings.
  3. Tap "Delete account".

This action is irreversible. All your transaction records and account data will be permanently removed from our servers, and the App's local copy on that device is erased.

6. Children

The App is not directed at children under 13, and we do not knowingly collect data from them. If you believe a child has provided us data, contact us and we will delete it.

7. Contact

If you have questions or concerns about this Privacy Policy, contact us at:

support@talksum.app

8. Changes to this policy

We may update this policy from time to time. We will notify you of significant changes via the App. Continued use after changes constitutes acceptance of the revised policy.