Privacy Policy

What Oikos Does

Oikos is a personal expense management tool. We help you analyze and manage your budgets, goals, and spending — all manually and locally on your device.

• Track your income and expenses manually
• Set and monitor budgets for different categories
• Create and track savings goals
• Analyze your spending patterns with beautiful charts
• Parse bank SMS messages locally on your device

What We Do NOT Do

Oikos does NOT provide any financial services. We are purely an analysis and management tool.

• We do NOT provide banking or financial services
• We do NOT process payments or transactions
• We do NOT offer financial advice or investment recommendations
• We do NOT have access to your bank accounts
• We do NOT connect to any financial institutions

All data entry and management is done manually by you. SMS parsing is performed entirely on your device and the data never leaves your phone.

Your Data Stays with You

We do NOT share your data with anyone. Period.

• All your financial data is stored locally on your device
• We do NOT collect or transmit your personal information
• We do NOT sell your data to third parties
• We do NOT use your data for advertising
• We do NOT have access to any of your data

Your expense data, budgets, goals, and all other information remain completely private and under your control.

Security Warning

• Your financial information and transaction history
• Personal contacts and messages
• Banking credentials and passwords
• Other sensitive data stored on your device

Only download Oikos from our official GitHub repository. We do not distribute the app through any other channels.

Open Source & Transparent

Oikos is completely open source under the Apache 2.0 License. This means:

• You can inspect every line of code we write
• Security researchers can audit our application
• The community can verify our privacy claims
• You can build the app yourself from source
• You can contribute to make Oikos better

Apache 2.0 License

Oikos is licensed under the Apache License, Version 2.0. This permissive license allows you to:

• Use the software for any purpose
• Modify and distribute the software
• Use it in commercial projects
• Sublicense and create derivative works

The full license text is available in our GitHub repository.