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PRIVACY

Your data stays on your device.

Hunch is fully local. Your financial data lives on your device, not our servers. No middlemen. Credentials secured by your OS keychain. No hidden uploads.

How the data moves

Here's the full path from your bank to your Hunch dashboard — and what never happens along the way.

WHAT NEVER HAPPENS
No middlemen
No Plaid, Yodlee, or any third-party aggregator sits between you and your bank.
Credentials never leave your device
Credentials are secured in your OS keychain — never uploaded to Hunch or any server.
No background uploads
Financial data never leaves your device. There is no upload, no sync, no server-side copy.

What lives where

Everything stays on your device. Here's exactly what is stored locally, and what is never collected.

STORED ON YOUR DEVICE
  • Transaction history
  • Account balances
  • Spending categories
  • Net worth timeline
  • Custom labels & notes
  • Dashboard preferences
  • Bank credentials (OS keychain protected)
NEVER SENT TO ANY SERVER
  • Your banking credentials (keychain only, never uploaded)
  • MFA or OTP codes (never stored)
  • Your full account number
  • Transaction amounts or balances
  • Any financial data whatsoever

What about AI categorization?

Hunch can optionally use AI to label your spending. Here's exactly what it sends — and what it withholds.

EXAMPLE TRANSACTION
What's in the app
Jun 15WHOLEFDS MKT #10369-$42.18TD Visa ····4821
What the AI receives
WHOLEFDS MKT #10369
AI receives
  • Merchant name only
  • Sent only when you run it
  • Not retained by the AI provider
AI never receives
  • Transaction amounts
  • Account numbers or names
  • Personal identifiers
AI categorization is off by default. Enable it in Settings → Categorization. You decide when it runs.

Hunch vs. traditional finance apps

Most personal finance apps require you to hand your banking credentials to a third-party service. Hunch takes a fundamentally different approach.

FEATURE
TYPICAL APP
HUNCH
Credentials sent to their servers
Yes
No
No third-party aggregator (Plaid, Yodlee)
No
Yes
Financial data stays on your device
No
Yes
Credentials secured by OS keychain
No
Yes
Delete your data anytime
No
Yes
AI categorization is opt-in, not automatic
Varies
Yes

How the desktop app reads data

The Hunch desktop app connects to supported bank accounts through a built-in secure session. It imports transaction data and balances directly — no passwords are transmitted to Hunch servers, and no data passes through external aggregators at any point.

All imported data is written straight to local storage on your device. Nothing leaves your machine during this step.

Saved credentials

If you enable Keep signed in, the app stores your banking credentials in your operating system's secure credential store — macOS Keychain, Windows Credential Manager, or the Linux Secret Service (via libsecret). This means your credentials are encrypted at rest by the OS, protected by your login password, and never uploaded to Hunch servers or any third party.

More detail

The full legal privacy policy is at hunch.money/privacy. Security architecture details are at hunch.money/security. Questions? Write to hello@hunch.money — we read everything.