Your data, plainly.
Most privacy pages are written to be skimmed past. This one is short enough to read all of. Every line below is true of the app as it ships.
Chirp is a budgeting app without bank sync: there is no bank linking at all, so there is no bank login to hand over and no feed to secure. You say or type what you spent; you can turn auto-approve off to review each entry before it saves; and you can export or delete everything from Settings whenever you like.
Chirp never connects to your bank.
There is no bank linking in Chirp and no third-party aggregator behind it: no credentials to store, no account feed to secure. The only spending data Chirp has is what you chose to say or type.
Choose when to review.
Auto-approve is on by default, so typed and spoken entries save without waiting for a swipe. Turn it off in Settings to review each entry on a card. Approve it to add it to your record, or discard it. Saved entries can still be edited or deleted.
Chirp does not keep your recordings.
When you speak, the audio goes out to be turned into words and comes back as text. The app does not store the raw audio on your phone, and the server that passes it along does not write it down either. What stays is the transaction you approved.
Location is names only, and only if you ask for it.
Chirp can use where you are to put the right venue name on an entry, so “that place on Fern” comes back as the actual shop. It is off until you turn it on, only names ever leave your phone, never coordinates, and Settings has a button that deletes the whole list.
Take it out, or delete all of it.
Export any date range to CSV from Settings and open it wherever you like. Delete your account from Settings and it goes, along with what is stored under it. You do not have to email anyone to leave.
No ads.
There are no ads in Chirp and no advertising software in the app. The subscription is the whole business model, which is the point of charging for it.
Your record is backed up to your account.
Chirp keeps a copy of your record against your account so a lost phone is not a lost year. That is your data moving between your own devices, and only your account can read it. It is a backup, not a feed to anywhere else.
Who touches your data.
Three kinds of service are involved when you log something: a speech-to-text service turns your voice into words, an extraction service turns those words into draft transactions, and our own database holds the record you approved. Each one is named, by name, in the privacy policy.
This page is the plain-language summary. The privacy policy is the legal version, naming every processor and stating retention in full. Where the two differ, the policy wins.