玲珑记账 AI 服务声明

XYZMoney AI Service Disclosure
最后更新／生效日期：2026 年 10 月 22 日 · 适用版本：1.0.1 及后续更新
应用提供方：大连鑫雨至软件开发有限公司（XYZTech）
联系邮箱：XYZTechFeedBack@gmail.com

玲珑记账包含可选的 AI 功能，帮助你整理记账记录、识别收据文字、处理语音识别文字、分类交易、分析购物清单条目，以及生成你请求的财务摘要。AI 功能是可选的：除非你选择使用某项 AI 功能并在 App 内授权，玲珑记账不会向 AI 服务发送个人数据。

1. AI 功能

  • 收据或 OCR 文字结构化
  • 发票或收据信息提取
  • 语音记账文字结构化
  • 智能交易分类
  • 购物清单食品分析
  • 你请求的财务摘要或洞察

AI 输出仅供参考，保存或依赖前请检查。

2. 可能发送给 AI 服务的数据

在你选择使用 AI 功能并授权后，玲珑记账可能发送所选功能所需的最少数据：你输入的文字；语音识别得到的文字；Apple Vision OCR 从收据或图片中提取的文字；创建记账记录所需的收据或发票文字；购物候选的名称、分类、价格和日期；生成所请求记账、购物或财务建议所需的最少账本上下文。除非你明确选择要分析的记录，或使用明确需要所选上下文的功能，玲珑记账不会有意发送完整财务记录。

3. 收据图片与 OCR

在当前收据和图片 OCR 流程中，原图先在设备上由 Apple Vision 处理。玲珑记账向所选 AI 提供方发送识别出的文字和必要上下文，而不是完整原图；未来功能如需发送原图，会明确说明并另行征求同意。

4. 语音输入

语音输入可能按 iOS 权限设置和系统行为，由 Apple 系统语音识别服务转换为文字。使用 AI 记账功能时，玲珑记账在你授权后向已配置的 AI 服务发送识别出的文字，而不是原始麦克风录音。

5. AI 提供方与接收方

AI 提供方可由你选择或配置，可能包括：使用内置 DeepSeek 兼容配置时的 DeepSeek；你配置的 OpenAI 兼容端点；你配置的 LM Studio、Ollama 或其他本地／自托管端点；你输入的其他自定义 AI 端点。发送数据前，玲珑记账会在 App 授权提示中显示已配置的 AI 接收方和端点。

6. 用户授权

向已配置的 AI 服务发送个人数据前，App 会征求你的明确授权，并说明可能发送哪些数据、发送给谁，以及数据仅用于所选 AI 功能。你不授权时，玲珑记账不会向 AI 服务发送数据。已配置的 AI 接收方变化时，会在向新接收方发送前再次征求同意。

7. API Key

如你选择接入第三方 AI 服务，可输入自己的 API Key 或端点配置。你提供的 API Key 保存在设备本地，仅用于向你选择或配置的 AI 服务提供方认证请求。玲珑记账不出售、出租或将其用于广告或其他无关用途。

8. AI 提交数据的使用

发送给 AI 提供方的数据仅用于执行你请求的 AI 功能。玲珑记账不出售个人信息，不把 AI 提交内容用于广告或跨 App 追踪。

9. 第三方数据保护

对于玲珑记账集成或使用的第三方 AI 提供方，我们要求其以与隐私政策及适用 App Store 隐私规则相同或同等的水平保护共享的用户数据。如你配置自定义端点，接收方由你控制，请只使用你信任的提供方。

10. 撤回 AI 数据共享授权

你可在 App 的“设置 > 隐私 > AI 数据共享详情”中撤回授权。撤回后，除非你再次授权，玲珑记账不会再向已配置的 AI 提供方发送数据。

11. 准确性提示与非财务建议

AI 生成的结果可能不完整、不准确或不适合你的具体财务状况；保存或依赖 AI 生成的记录、分类、摘要和建议前，请自行检查。玲珑记账是个人记账与支出追踪 App，AI 生成的摘要、洞察或建议仅用于信息整理，不构成财务、投资、税务、法律或会计建议。

12. 联系

如对 AI 功能、数据共享或本声明有疑问，请联系 大连鑫雨至软件开发有限公司（XYZTech）：XYZTechFeedBack@gmail.com，注明“XYZMoney / 玲珑记账”。另见隐私政策与服务条款。

XYZMoney AI Service Disclosure

Last updated / effective: October 22, 2026 · Applies to version 1.0.1 and later updates
App provider: Dalian Xinyuzhi Software Development Co., Ltd. (XYZTech)
Contact: XYZTechFeedBack@gmail.com

XYZMoney (玲珑记账) includes optional AI-powered features to help you structure bookkeeping records, recognize receipt text, process voice-recognized text, categorize transactions, analyze shopping-list items and generate financial summaries you request. AI features are optional: XYZMoney does not send personal data to an AI service unless you choose to use an AI feature and grant permission in the app.

1. AI features

  • receipt or OCR text structuring
  • invoice or receipt information extraction
  • voice bookkeeping text structuring
  • smart transaction categorization
  • shopping-list food analysis
  • financial summaries or insights you request

AI output is provided for convenience only; review it before saving or relying on it.

2. Data that may be sent to AI services

When you choose an AI feature and grant permission, XYZMoney may send the minimum data needed: text you type; text recognized from speech; text extracted from receipts or images by Apple Vision OCR; receipt or invoice text needed to create records; shopping candidate names, categories, prices and dates; and the minimum ledger context needed for the requested bookkeeping, shopping or financial suggestion. XYZMoney does not intentionally send complete financial records unless you explicitly select records for analysis or use a feature that clearly requires that selected context.

3. Receipt images and OCR

In the current receipt and image OCR flow, the original image is processed first on the device using Apple Vision. XYZMoney sends recognized text and necessary context to the selected AI provider, not the full original image, unless a future feature clearly explains otherwise and asks for separate permission.

4. Voice input

Voice input may be converted into text by Apple system speech recognition according to iOS permission settings and system behaviour. When an AI bookkeeping feature is used, XYZMoney may send the recognized text, not the raw microphone recording, to the configured AI service after you grant permission.

5. AI providers and recipients

You select or configure the AI provider. Possible recipients include DeepSeek (built-in DeepSeek-compatible configuration), an OpenAI-compatible endpoint you configure, LM Studio, Ollama or another local or self-hosted endpoint you configure, or another custom AI endpoint you enter. Before sending data, the app shows the configured recipient and endpoint in its permission prompt.

6. User permission

Before sending personal data to a configured AI service, the app asks for your explicit permission and explains what may be sent, to whom, and that it is sent only for the selected feature. If you do not grant permission, nothing is sent. If the configured recipient changes, the app asks again before sending to the new recipient.

7. API keys

If you connect a third-party AI service, you may enter your own API key or endpoint configuration. Your API keys are stored locally on your device and used only to authenticate requests to the provider you selected or configured. XYZMoney does not sell, rent or use them for advertising or unrelated purposes.

8. Use of AI-submitted data

Data sent to AI providers is used only to perform the AI feature you requested. XYZMoney does not sell personal information and does not use AI-submitted content for advertising or cross-app tracking.

9. Third-party data protection

For third-party AI providers integrated or used by XYZMoney, we require the provider to protect shared user data at the same or an equal level as described in the Privacy Policy and required by applicable App Store privacy rules. If you configure a custom endpoint, you control the recipient and should use only providers you trust.

10. Revoking AI data sharing permission

Revoke permission in the app under Settings > Privacy > AI Data Sharing Details. After that, XYZMoney will not send data to the configured AI provider unless you grant permission again.

11. Accuracy and no financial advice

AI-generated results may be incomplete, inaccurate or unsuitable for your situation; review AI-generated records, categories, summaries and suggestions before saving or relying on them. XYZMoney is a personal bookkeeping and expense-tracking app; AI output is for informational and organizational purposes only and is not financial, investment, tax, legal or accounting advice.

12. Contact

Questions about AI features, data sharing or this disclosure: contact Dalian Xinyuzhi Software Development Co., Ltd. (XYZTech) at XYZTechFeedBack@gmail.com, identifying “XYZMoney / 玲珑记账”. See also the Privacy Policy and Terms of Service.