Effective date: April 13, 2026 | Last updated: April 13, 2026
This document contains both the Privacy Policy and the Terms of Use for ATM Flow. Please read both sections carefully before using the App.
This Privacy Policy explains how ATM Flow ("the App"), developed and published by Approve The Move ("we", "us", or "our"), handles information when you ("you" or "the user") download, install, or use the App on any supported device.
We are committed to protecting your privacy. This policy applies to all versions of ATM Flow distributed through the Apple App Store and any future platforms.
By downloading, installing, or using ATM Flow, you acknowledge that you have read, understood, and agree to the practices described in this policy. If you do not agree, please do not use the App and remove it from your device.
We do not collect, transmit, or process any personal data. ATM Flow is designed from the ground up as a privacy-first application. Specifically:
ATM Flow stores data locally on your device using two Apple-provided storage systems. All data is stored within the App's private sandbox, is not accessible to other apps, and is never transmitted to any server we operate.
A small amount of non-personal preference data is stored using Apple's UserDefaults system:
This data is declared in our Privacy Manifest (PrivacyInfo.xcprivacy) under API category NSPrivacyAccessedAPICategoryUserDefaults with reason code CA92.1 (access to store and retrieve user preferences), as required by Apple.
Your financial data is stored on your device using Apple's SwiftData framework, a local database that operates entirely within the App's sandbox. Data stored in SwiftData includes:
All of this data exists exclusively on your device and, if you have iCloud enabled, in your personal iCloud container (see Section 4). We have no ability to read, access, or retrieve any of this data.
How to delete: You can delete any individual record (account, transaction, budget, goal, category, tag, recurring transaction, or template) at any time within the App. You can erase all locally stored data by deleting ATM Flow from your device. No residual data is retained after uninstallation. iCloud data can be managed through your device's iCloud storage settings.
ATM Flow uses Apple's CloudKit framework to sync your SwiftData database across your own devices via iCloud.
When iCloud sync is enabled on your device, the following data is synced between your own devices:
No other data (contacts, location, browsing history, device information, etc.) is ever transmitted.
All data synced through CloudKit is encrypted in transit using TLS and at rest on Apple's servers. For more information on Apple's data protection practices, see Apple's iCloud security overview.
You can disable iCloud sync for ATM Flow at any time through your device's Settings > Apple ID > iCloud. When sync is disabled, your data remains stored locally on your device only. Existing iCloud data can be deleted through your iCloud storage settings.
ATM Flow allows you to attach photos to transactions (e.g., photos of receipts). This feature is entirely optional.
ATM Flow supports Face ID and Touch ID for optional app lock functionality, using Apple's LocalAuthentication framework.
ATM Flow allows you to import financial data from CSV files stored on your device.
ATM Flow does not integrate, embed, or communicate with any third-party services, SDKs, APIs, or frameworks that collect, process, or transmit user data. The App uses exclusively Apple-provided first-party system frameworks:
| Framework | Purpose | Data Collection |
|---|---|---|
| SwiftUI | User interface rendering | None |
| SwiftData | On-device structured data storage | None (local only) |
| CloudKit | iCloud sync to user's private container | None (user's own iCloud) |
| Charts | Financial data visualization | None |
| WidgetKit | Home screen and Lock Screen widgets | None |
| LocalAuthentication | Face ID / Touch ID for app lock | None (biometric data stays in Secure Enclave) |
We do not use Firebase, Google Analytics, Facebook SDK, AdMob, Crashlytics, Sentry, Amplitude, Mixpanel, or any other third-party data collection tool.
While ATM Flow itself does not collect data, please be aware that Apple may independently collect certain information related to your use of the App Store, such as download statistics and crash logs. This data collection is governed by Apple's Privacy Policy, not ours, and is outside our control.
We have declared in App Store Connect that ATM Flow collects no data linked to or tracking the user, as reflected on the App's App Store product page under "App Privacy."
ATM Flow is rated 4+ by Apple and is designed to be suitable for users of all ages. The App does not contain violence, gambling (real or simulated), horror, mature themes, profanity, or any other objectionable material.
Because we do not collect any personal information from any user of any age, we are compliant with the following regulations regarding children's privacy:
Parents, guardians, and educators can allow children to use ATM Flow with full confidence that no personal information is collected, stored, or shared.
We respect and support the privacy rights granted to individuals under applicable data protection legislation worldwide.
If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) and equivalent local laws grant you the following rights regarding personal data:
Since we do not collect, store, or process any personal data, there is no data for us to provide, correct, restrict, delete, port, or cease processing. Your local preferences can be erased by deleting the App. Your iCloud data can be managed through your device's iCloud settings. If you believe we hold data about you in error, please contact us and we will investigate promptly.
Legal basis for processing: We do not process personal data. The on-device preference storage operates under legitimate interest (providing a functional user experience) and does not constitute data processing under GDPR as the data never leaves the device or reaches us. CloudKit data is stored in your own private iCloud account and is not accessible to us.
Data controller: Approve The Move (contact details in Section 17).
If you are a California resident, the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) grants you specific rights regarding personal information:
We do not collect, sell, or share personal information. We have not sold or shared personal information of any consumer in the preceding 12 months, nor do we intend to do so.
California's "Do Not Track" signals and Global Privacy Control (GPC) are respected by default, as the App does not track users in any capacity.
If you are located in Qatar or other Gulf Cooperation Council (GCC) states, we comply with applicable data protection laws, including Qatar's Law No. 13 of 2016 on Personal Data Privacy. As we do not collect personal data, no registration with the Compliance and Data Protection Department is required.
Regardless of your location, the same principle applies: we do not collect personal data, so there is no data to exercise rights over. If your local laws grant you additional privacy rights, please contact us and we will cooperate fully.
Although we do not collect or store personal data on any server, we employ the following security measures to protect your experience within the App:
We do not operate servers, databases, or cloud storage of any kind. We do not retain any user data. All data associated with ATM Flow exists exclusively on your personal device and, if iCloud sync is enabled, in your private iCloud container:
| Data Type | Storage Location | Retention Period |
|---|---|---|
| User preferences | Device (UserDefaults) | Until App is deleted |
| Financial data (accounts, transactions, budgets, goals, categories, tags, recurring transactions, templates) | Device (SwiftData) + iCloud (CloudKit) | Until deleted by user or App is removed |
| Transaction photos | Device (local files) + iCloud (CloudKit) | Until deleted by user or App is removed |
When you delete the App, all local data is permanently removed from your device by the operating system. iCloud data can be managed and deleted through your device's Settings > Apple ID > iCloud > Manage Storage.
ATM Flow is available worldwide through the Apple App Store. The App does not transmit any data to external servers operated by us. CloudKit sync transfers data between your own devices through Apple's iCloud infrastructure. Apple may process iCloud data in data centers located in various countries; this is governed by Apple's Privacy Policy and your iCloud terms of service, not by us. We have no control over or access to your iCloud data.
By downloading, installing, accessing, or using ATM Flow, you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the App and remove it from your device.
These terms constitute a legally binding agreement between you and Approve The Move ("we", "us", "our") governing your use of the App.
Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use ATM Flow on any Apple device that you own or control, solely for your personal, non-commercial financial tracking purposes.
This license is also governed by the Apple Licensed Application End User License Agreement (EULA), which is incorporated into these terms by reference.
You agree not to:
ATM Flow is a personal finance tracking tool designed to help you organize and visualize your financial information. It is not a financial advisor, tax preparation tool, accounting system, or investment platform.
You acknowledge and agree that:
All rights, title, and interest in and to ATM Flow — including but not limited to the software code, visual design, user interface elements, graphics, animations, icons, charts, and documentation — are and shall remain the exclusive property of Approve The Move.
The name "ATM Flow", the Approve The Move name and logo, and all associated branding are trademarks of Approve The Move. Nothing in these terms grants you any right to use our trademarks without prior written permission.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:
You acknowledge that the App is a personal finance tracking tool and that your use of the App is at your sole risk. Financial data displayed by the App is based on user input and should be independently verified for any consequential use.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL APPROVE THE MOVE OR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY:
regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.
In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, our liability shall be limited to the maximum extent permitted by law. In no event shall our total aggregate liability exceed the amount you paid for the App (which is zero, as the App is free).
You agree to indemnify, defend, and hold harmless Approve The Move, and their respective officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
These terms shall be governed by and construed in accordance with the laws of the State of Qatar, without regard to its conflict of law provisions.
Any dispute, controversy, or claim arising out of or relating to these terms or the App shall be resolved as follows:
Nothing in this section shall prevent either party from seeking injunctive or equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.
For EU/EEA residents: Nothing in these terms limits your right to bring proceedings before the courts of your country of residence, as required by Regulation (EU) No 1215/2012.
For US residents: You and we each waive the right to a jury trial and the right to participate in a class action lawsuit or class-wide arbitration.
These terms are effective until terminated. Your rights under these terms will terminate automatically and without notice if you fail to comply with any provision.
Upon termination, you must cease all use of the App and delete all copies from your devices. Sections 19 through 23 shall survive any termination of these terms.
We reserve the right to modify, suspend, or discontinue the App (or any part thereof) at any time without notice or liability.
If any provision of these terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect.
These terms, together with the Privacy Policy above and Apple's Licensed Application EULA, constitute the entire agreement between you and Approve The Move regarding your use of ATM Flow. These terms supersede any prior agreements, communications, or understandings, whether written or oral, relating to the App.
We may update this Privacy Policy and Terms of Use from time to time to reflect changes in the App, our practices, or applicable laws. When we make changes:
Your continued use of the App after changes are posted constitutes acceptance of the updated terms. If you disagree with any changes, your sole remedy is to stop using the App and delete it from your device.
If you have any questions, concerns, complaints, or requests regarding this Privacy Policy, these Terms of Use, or our practices, please contact us:
We commit to responding to all privacy-related inquiries within 30 days of receipt. For GDPR-related requests, we will respond within the legally required timeframe of one calendar month.
Document version 2.0 | Effective April 13, 2026 | Applies to ATM Flow v1.0 and all subsequent versions unless superseded.