Koinus does not connect to your bank. You choose what to scan or select. The current scanner reads your document on your device and saves only the budget entries you confirm.

What you may send

Photos of paid receipts and bills; screenshots of activity from a bank or card app; statement files in PDF, CSV, or OFX form; paystubs and checks; bank texts or emailed receipts that you paste; and files or text you share into Koinus from another app.

What we take from it

Scan suggests transaction names, amounts, dates, types, and categories for your review. When debt tracking is enabled, it can also suggest a debt name, balance, minimum payment, interest rate, statement date, and payment due date, with notices about unclear or special terms. Only details you confirm are added to your books. Retirement account balances and investment growth are not imported as income. Suspected duplicate charges and card payments are excluded from new spending so you can review them without counting purchases twice.

What happens to the file

The file is read on your device to suggest transaction and, when enabled, debt details. Koinus releases its temporary source files and raw text when reading finishes or you cancel. The scanner does not write them to device storage, add them to your camera roll, upload them to our servers, share them, or send them to an AI service. The server refuses scan document uploads. A file shared from another app waits only in temporary memory and expires after 60 seconds if it is not picked up. If interrupted, choose the file again in Scan.

This does not delete the original file on your phone, in email, or in cloud storage. Cleanup releases memory and clears buffers where possible; it does not guarantee physical erasure from browser or operating-system memory. Only the budget entries you confirm are saved.

Protection of information

Your confirmed entries are synced to your household over HTTPS and encrypted on our servers using AES-256-GCM with server-managed keys. The scanner must read document content in device memory while processing it; that working memory is not an encrypted archive. Cancelling a scan discards its temporary review data. Check transaction and debt details before saving. Uncertain values need correction; refunds should be recorded against the original expense.

Subscriptions

This version does not accept new purchases. If you already subscribe, Apple or Google processes the payment. We do not receive your card number. We retain only the plan you selected and whether it is active. You may cancel at any time in your Apple or Google account settings. See Support for the taps.

Optional use

Scan is optional. You may enter income or expenses by hand. You may export or delete your books at any time in Settings. See also Privacy and Terms.

Disclaimer

Koinus is a personal household budgeting tool only. It is not a bank, credit union, broker-dealer, or investment adviser, and it is not a substitute for financial, tax, or legal advice. Scan is not warranted to be complete or error-free. You confirm every line before it is recorded and may correct it afterward. You are solely responsible for the records you keep and for decisions you make using them. Use of the Service is subject to the Terms of Use, including the limitation of liability.