OneFold privacy policy

OneFold is a personal hobby project by an individual developer ("the developer"); there is no company behind it.

OneFold is a personal net-worth tracker that runs entirely on your device. The short version: your financial data stays on your device, OneFold has no account and no server that receives it, and the only things that ever leave your device are the public market symbols needed to fetch prices (and, optionally, context you choose to send to your own AI provider).

What is collected

Nothing on any server. OneFold has no sign-up, no account, no login, and no analytics, tracking, advertising, or telemetry. The developer does not receive, store, or sell your data, and operates no server that your financial data is sent to.

Where your data lives

• Your assets, loans, insurance, spending, snapshots, vault notes, and settings are stored locally in your browser/device storage (and, for documents and passwords you add, encrypted on your device when App Lock is on).
• Backups (Excel .xlsx or encrypted .nwx) are files you create and control. OneFold never uploads them; where you keep them (local, cloud folder, etc.) is your choice.

What leaves your device, and when

OneFold works offline except for fetching prices (delayed, not real-time). A price refresh, which you trigger, makes ordinary public web requests that reveal only public market identifiers, never your holdings, amounts, or account names:

• Currency codes / FX pairs (to convert between currencies).
• Metal symbols (gold, silver, platinum, palladium).
• Cryptocurrency identifiers.
• Indian mutual-fund scheme codes.
• Stock/ETF ticker symbols. By default these are looked up in a shared price file that every user downloads identically, so the request carries no information about which tickers you hold. An optional, per-symbol "fetch this one" lookup is only used after you explicitly consent, and reveals just that single symbol.

These requests go to the relevant public price provider (and to OneFold's shared price file). They include your device's normal network information (such as your IP address), the same as visiting any website. They do not include your financial data.

Optional AI advisor

The advisor works on-device by default and sends nothing externally. If you choose to connect your own AI provider (your own account/key), the context you send is limited to what is needed for your question and is governed by that provider's privacy terms. This is off unless you enable it, and each send is subject to your consent.

Children

OneFold is a personal finance tool and is not directed to children.

Changes

OneFold is free to use today; future versions may add paid features (see the Terms of Use). If how data is handled ever changes, the developer will update this policy and the date above. Material changes will be surfaced in the app.

Your rights and contact

Because your data stays on your device, you remain in control of it: you can export it, or erase everything from Settings, at any time. Depending on where you live, you may have rights under laws such as the EU/UK GDPR, the UAE PDPL, or India's DPDP Act; since the developer does not collect or process your data on any server, those requests are satisfied by the local controls in the app.

Questions: onefoldapp@protonmail.com