玲珑记账隐私政策

XYZMoney Privacy Policy
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（XYZMoney）尊重并保护你的隐私。本政策说明玲珑记账收集或处理哪些信息、如何收集与使用、可能如何共享，以及你如何删除数据或撤回授权。

核心说明：玲珑记账是本地的个人财务与记账 App，记账数据只保存在你的设备上，没有云同步；正常使用不需要玲珑记账云账号。玲珑记账不出售个人信息，不把个人信息用于第三方广告或跨 App 追踪。可选 AI 功能只有在你选择使用并在 App 内授权后才会发送数据。

1. 我们收集或处理的信息

1.1 你在 App 中创建的信息

玲珑记账可能保存你输入、创建、扫描、导入或生成的以下信息：

  • 支出与收入记录
  • 账本
  • 预算
  • 分类与标签
  • 备注
  • 收据或发票文字
  • 条形码或二维码信息
  • 购物清单或库存条目
  • 财务统计与报表
  • 账单位置信息（仅当你选择保存位置时）

这些信息在你手动记账、扫描收据、选择图片、使用语音记账、创建购物或库存条目、生成报表或以其他方式使用 App 功能时产生。

1.2 照片、相机、收据、条形码与 OCR 数据

如你授予相机或照片权限，玲珑记账可能处理你拍摄或选择的图片，用于收据扫描、发票扫描、二维码识别、条形码识别、头像或图片选择以及 OCR 文字识别。收据和图片 OCR 先在设备上使用 Apple Vision 处理。在当前 OCR 流程中，App 使用识别出的文字和必要上下文实现记账功能；除非未来功能另行说明并征得同意，否则不会把完整原图发送给 AI 服务提供方。

1.3 语音数据

如你授予麦克风和语音识别权限，玲珑记账可能处理你的语音输入，用于语音记账和语音文字输入。语音由 Apple 系统语音识别服务按 iOS 权限设置和系统行为转换为文字；玲珑记账使用识别出的文字创建或建议记账记录。

1.4 AI 配置与 API Key

如你选择接入第三方 AI 服务，可能需要输入 API Key、端点、模型名称、主机、端口或相关配置。这些配置保存在你的设备本地，仅用于向你选择或配置的 AI 服务提供方认证请求。玲珑记账不会出售、出租或将你提供的 API Key 用于广告或其他无关用途。

1.5 设备与诊断信息

为维护 App 稳定性和回复支持请求，玲珑记账可能处理有限的设备或诊断信息，例如设备型号、系统版本、App 版本、通过 Apple 系统或由你提供的崩溃与诊断信息，以及你发送的支持邮件中包含的信息。这些信息不用于广告或追踪。

2. App 使用的权限

玲珑记账仅在功能需要时请求以下 iOS 权限：

  • 相机：收据扫描、发票扫描、条形码和二维码识别。
  • 照片：导入收据、选择识别图片、选择头像等图片。
  • 麦克风：语音记账与语音输入。
  • 语音识别：把语音转换为记账所需文字。
  • 通知：你设置的账单提醒、存钱提醒、预算提醒等。
  • 位置：仅当你选择为账单或记录保存位置时使用。
  • 本地认证：用于 App 锁等本地安全功能；玲珑记账不上传生物特征数据。

3. 我们如何使用信息

  • 创建、保存和管理记账记录；
  • 整理账本、预算、分类、标签、备注和统计；
  • 识别收据、发票、二维码、条形码、图片和语音内容；
  • 生成财务统计、图表和报表；
  • 提供可选的 AI 记账与分析功能；
  • 按你的请求生成购物清单或库存建议；
  • 发送你选择的提醒和本地通知；
  • 回复支持请求；
  • 改进 App 性能、稳定性与安全，防止误用、错误或数据丢失。

4. 数据存储

玲珑记账把数据只保存在你的设备上，可能使用 Realm 数据库、SQLite 数据库、iOS 应用沙盒存储、UserDefaults 等本地存储机制，以及本地保存的 AI 配置或 API Key。除非你删除数据、卸载 App、开启 Apple 系统备份，或在授权后使用会把所选信息发送给已配置第三方服务的功能，本地数据会一直保留在设备上。

5. AI 服务与第三方 AI 提供方

玲珑记账包含可选 AI 功能，除非你选择配置并使用，否则不会启用。AI 功能可能包括：把收据或 OCR 文字整理为记账记录、把语音识别文字整理为记账记录、智能交易分类、购物清单食品分析，以及你请求的财务摘要或洞察。发送个人数据前，App 会显示授权提示，列明已配置的 AI 接收方与端点及可能发送的数据；你不同意时不会发送。详见AI 服务声明。

获得授权后，玲珑记账可能发送所选 AI 功能所需的最少数据：你输入的文字、语音识别文字、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，以及生成所请求记账、购物或财务建议所需的最少账本上下文。

AI 提供方可能是：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；或你输入的其他自定义端点。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 AI 提交内容，也不将其用于广告。

对于玲珑记账集成或使用的第三方 AI 提供方，我们要求其以与本政策及适用的 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。你可在“设置 > 隐私 > AI 数据共享详情”撤回 AI 数据共享授权；撤回后除非你再次授权，否则不会再发送。已配置的 AI 接收方变化时，App 会在向新接收方发送前再次征求同意。

6. 第三方服务

玲珑记账可能使用 Apple 系统服务（Apple Vision、Apple 语音识别、相机、照片、本地认证、本地通知，以及你开启的定位服务）和你配置的 AI 服务（DeepSeek、OpenAI 兼容服务、LM Studio、Ollama 或你输入的自定义端点）。从玲珑记账接收用户数据的第三方服务须提供与本政策及适用 App Store 隐私规则相同或同等的保护。

7. 云服务与备份

玲珑记账没有云同步功能，数据只保存在你的设备上，也不需要玲珑记账云账号。本地数据可能根据你的 iOS 备份设置包含在 Apple 系统备份中（由 Apple 按你的设置处理）。如未来引入同步功能，我们会在启用前更新本政策并告知你。

8. 数据共享

玲珑记账仅在以下情形共享用户数据：你授权把所选数据发送给已配置的 AI 提供方以使用 AI 功能；Apple 系统服务按 iOS 权限和系统功能处理数据；你向 XYZTech 发送支持信息；或法律、法律程序要求，以及为保护用户和 App 的权利、安全所需。玲珑记账不出售个人信息，不跨 App 或网站追踪用户，不把用户数据用于第三方广告。

9. 保留、删除与撤回

你创建的数据保存在本地，直到你删除、清除 App 数据或卸载 App。你可以：在 App 内删除单条记录；在可用时清除记录或 App 数据；删除已保存的 AI API Key 或 AI 配置；在“设置 > 隐私 > AI 数据共享详情”撤回 AI 数据共享授权；或卸载 App。删除 App 时，设备上的本地数据会按 iOS 系统行为和备份设置被移除。由于正常使用不需要云账号，大部分数据由你在设备上直接控制。如你通过邮件要求删除支持往来或相关信息，我们将按适用法律回复。

10. 数据安全

玲珑记账采取合理的保护措施，包括 iOS 应用沙盒、本地访问控制、适当的本地安全存储机制、受支持网络请求使用 HTTPS、由你控制的权限提示，以及你开启的 App 锁本地认证。任何电子传输或存储方式都无法保证绝对安全；请保护好设备密码、API Key 和已配置的 AI 端点。

11. 儿童隐私

玲珑记账适合所有年龄段用户使用，不收集儿童个人信息。记账数据只保存在你的设备上，我们不运营接收这些数据的服务器。儿童如需使用可选 AI 功能（会把所选数据发送给你配置的第三方 AI 服务），应在监护人指导下进行，并由监护人审阅该服务的年龄要求和隐私条款。如你认为我们无意中收到了儿童的个人信息（例如支持邮件），请联系我们，我们会及时删除。

12. 跨境处理

如你配置或选择 AI 提供方，发送给该提供方的数据可能在其提供方、端点或服务器所在国家或地区处理。配置自定义端点时，请选择你信任的提供方。

13. 政策更新与联系

我们可能不时更新本政策，并修改本页日期。如有重大变更，我们可能通过 App、网站或其他适当方式通知；需要另行同意的处理不会仅以继续使用代替同意。隐私问题请联系 大连鑫雨至软件开发有限公司（XYZTech）：XYZTechFeedBack@gmail.com，注明“XYZMoney / 玲珑记账”。

XYZMoney Privacy Policy

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) respects and protects your privacy. This Privacy Policy explains what information XYZMoney collects or processes, how it is collected and used, how it may be shared, and how you can delete your data or revoke permission.

Summary: XYZMoney is a local personal finance and bookkeeping app. Bookkeeping data is stored only on your device with no cloud sync, and normal use does not require a XYZMoney cloud account. XYZMoney does not sell personal information or use it for third-party advertising or cross-app tracking. Optional AI features send data only when you choose to use them and grant permission in the app.

1. Information we collect or process

1.1 Information you create in the app

XYZMoney may store information you enter, create, scan, import or generate, including:

  • expense and income records
  • ledgers or account books
  • budgets
  • categories and tags
  • notes
  • receipt or invoice text
  • barcode or QR code information
  • shopping-list or inventory items
  • financial statistics and reports
  • optional bill location information, if you choose to save a location

This information is collected when you enter records manually, scan receipts, select images, use voice bookkeeping, create shopping or inventory items, generate reports or otherwise use app features.

1.2 Photos, camera, receipt, barcode and OCR data

If you grant Camera or Photo Library permission, XYZMoney may process images you capture or select for receipt scanning, invoice scanning, QR code and barcode recognition, avatar or image selection, and OCR text recognition. Receipt and image OCR is processed first on the device using Apple Vision. In the current OCR flow, the app uses recognized text and necessary context for bookkeeping features; the full original image is not sent to an AI provider unless a future feature separately explains this and asks for permission.

1.3 Voice and speech data

If you grant Microphone and Speech Recognition permission, XYZMoney may process your speech input for voice bookkeeping and voice text entry. Speech is converted into text by Apple system speech recognition according to iOS permission settings and system behaviour, and XYZMoney uses the recognized text to create or suggest records.

1.4 AI configuration and API keys

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

1.5 Device and diagnostic information

To maintain stability and respond to support requests, XYZMoney may process limited device or diagnostic information such as device model, system version, app version, crash or diagnostic information provided through Apple systems or by you, and information in support emails you send. It is not used for advertising or tracking.

2. Permissions used by the app

XYZMoney requests these iOS permissions only when a feature needs them:

  • Camera: receipt and invoice scanning, barcode and QR code recognition.
  • Photo Library: importing receipts, selecting images for recognition, choosing images such as avatars.
  • Microphone: voice bookkeeping and voice input.
  • Speech Recognition: converting speech into text for bookkeeping.
  • Notifications: bill, savings and budget reminders and other reminders you choose.
  • Location: only if you choose to save a location with a bill or record.
  • Local Authentication: App Lock and similar local security features; biometric data is never uploaded.

3. How we use information

  • creating, storing and managing bookkeeping records;
  • organizing ledgers, budgets, categories, tags, notes and statistics;
  • recognizing receipt, invoice, QR code, barcode, image and speech content;
  • generating financial statistics, charts and reports;
  • providing optional AI-powered bookkeeping and analysis;
  • generating shopping-list or inventory suggestions you request;
  • sending reminders and local notifications you choose;
  • responding to support requests;
  • improving performance, stability and security and preventing misuse, errors or data loss.

4. Data storage

XYZMoney stores data only locally on your device, using mechanisms such as a Realm database, an SQLite database, iOS app sandbox storage, UserDefaults and locally stored AI configuration or API keys. Local data stays on the device unless you delete it, uninstall the app, enable an Apple system backup, or use a feature that sends selected information to a configured third-party service after you grant permission.

5. AI services and third-party AI providers

XYZMoney includes optional AI features that stay disabled unless you configure and use them: structuring receipt/OCR text or speech-recognized text into records, smart transaction categorization, shopping-list food analysis, and financial summaries or insights you request. Before sending personal data, the app shows a permission prompt identifying the configured AI recipient and endpoint and the data that may be sent; if you do not agree, nothing is sent. See the AI Service Disclosure.

With permission, XYZMoney may send the minimum data needed for the selected feature: text you type, text recognized from speech, text extracted 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.

The AI provider may be DeepSeek (if you use the built-in DeepSeek-compatible configuration), an OpenAI-compatible endpoint you configure, LM Studio, Ollama or another local/self-hosted endpoint you configure, or another custom endpoint you enter. Data sent to AI providers is used only to perform the feature you requested; XYZMoney does not sell AI-submitted content or use it for advertising.

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 this 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. Revoke AI data sharing in Settings > Privacy > AI Data Sharing Details; after that, nothing is sent unless you grant permission again. If the configured recipient changes, the app asks again before sending to the new recipient.

6. Third-party services

XYZMoney may use Apple system services (Apple Vision, Apple Speech Recognition, Camera, Photos, Local Authentication, Local Notifications, and Location Services if you enable them) and AI services you configure (DeepSeek, OpenAI-compatible services, LM Studio, Ollama or custom endpoints). Third-party services that receive user data from XYZMoney must provide the same or equal protection as described in this policy and required by applicable App Store privacy rules.

7. Cloud services and backups

XYZMoney has no cloud sync: data is stored only on your device, and no XYZMoney cloud account is needed. Local data may be included in Apple system backups depending on your iOS backup settings (handled by Apple under your settings). If a sync feature is introduced in future, we will update this policy and inform you before it is enabled.

8. Data sharing

XYZMoney shares user data only when you grant permission to send selected data to a configured AI provider for an AI feature; when Apple system services process data as part of iOS permissions and system functionality; when you send information to XYZTech for support; or when required by law or legal process, or to protect the rights, safety and security of users or the app. XYZMoney does not sell personal information, track users across apps or websites, or use user data for third-party advertising.

9. Retention, deletion and revocation

Data you create is stored locally until you delete it, clear app data or uninstall the app. You can delete individual records in the app; clear records or app data where available; remove saved AI API keys or configuration; revoke AI data sharing in Settings > Privacy > AI Data Sharing Details; or uninstall the app. Local data is removed when you delete the app, subject to iOS behaviour and backup settings. Because normal use needs no cloud account, most data is controlled directly on your device. If you ask us by email to delete support communications or related information, we will respond as required by applicable law.

10. Data security

XYZMoney uses reasonable safeguards, including iOS app sandbox protection, local access controls, local secure storage where appropriate, HTTPS for supported network requests, user-controlled permission prompts, and local authentication for App Lock if enabled. No transmission or storage method is completely secure; protect your device passcode, API keys and configured AI endpoints.

11. Children’s privacy

XYZMoney is suitable for all ages and does not collect children’s personal information. Bookkeeping data is stored only on your device, and we operate no server that receives it. Children who want to use optional AI features (which send selected data to a third-party AI service you configure) should do so with guardian guidance, and guardians should review that service’s age requirements and privacy terms. If you believe we have inadvertently received a child’s personal information (for example in a support email), contact us and we will delete it promptly.

12. International processing

If you configure or choose an AI provider, data sent to it may be processed where the provider, endpoint or server operates. If you configure a custom endpoint, choose a provider you trust.

13. Changes and contact

We may update this policy and its date. For material changes we may notify you in the app, on our website or by other appropriate means; continued use alone will not replace any consent that is separately required. Contact Dalian Xinyuzhi Software Development Co., Ltd. (XYZTech) at XYZTechFeedBack@gmail.com, identifying “XYZMoney / 玲珑记账”.