LilyFi Privacy Policy

Effective date: October 19, 2026

The short version: LilyFi never connects to your bank, never sees your accounts, and never sells or shares your information. Your budget is kept on your device. When you talk to Lily through our coach service, only what that one turn needs is sent, and it is not kept.

What lilyfi stores

• Your envelopes, transactions, reminders and receipt prices — the numbers and names you enter yourself. On Android they are stored only on your device. On iPhone they are stored on your device and, if you are signed in to iCloud, synced through your private iCloud database. Kixlogic has no server that stores your budget.
• Your subscription state, managed by Apple (App Store) or Google (Google Play). We never see your payment details.

Voice

When you talk to Lily, your phone's own speech recognition service turns your speech into text (on the device whenever it supports that). LilyFi never records or stores audio.

The coach service

When Lily answers through the cloud — every LilyFi Plus conversation, and the ten free conversations included with the free plan — the text of what you said, your envelope names and current balances, and the last few lines of your conversation are sent over an encrypted connection to our coach service, which uses a large language model to work out what you meant. Lily's reply may also be sent to the service to be turned into her spoken voice. This data is used only to answer that turn. It is not stored by Kixlogic, not used to train models, and never includes your transaction history, name, email, or any account identifier. If you only type commands the on-device parser understands and use no cloud conversations, nothing leaves your device.

Receipts

When you scan a receipt, the photo is read on your device and then deleted. It is never uploaded or kept. The total and item prices you confirm are saved in your on-device price book.

Gas prices

If you ask for the cheapest gas nearby (LilyFi Plus), LilyFi asks for your approximate location once, sends it with that one request to our coach service to look up nearby prices, and does not store it. Location is never used in the background.

What lilyfi does not do

• No bank or card connections. No Plaid, no screen scraping, no statements.
• No account, no login, no email collection.
• No advertising, no analytics SDKs, no trackers, no selling of data.
• No data brokers, full stop.

Deleting your data

Settings → Delete all data removes every envelope, transaction, reminder and receipt price from your device (and, on iPhone, from your iCloud). Because we hold nothing on our servers, there is nothing else to delete.

Children

LilyFi is intended for adults and does not knowingly collect personal information from children.

Changes

If this policy changes, the updated version ships inside the app and at kixlogic.com/lilyfi/privacy with a new effective date.

Contact

Kixlogic LLC — [email protected]