Bank-Level Security
Your financial data is sensitive, and we treat it that way. Portmoneo employs industry-leading security measures like AES-256 encryption to keep verifying your information safe.
Security is Our Core Feature
We understand that financial security is paramount. Your expense data often reveals intimate details about your life and business, which is why we treat security not as a feature, but as the foundation of our architecture.
How We Protect Your Financial Data
1. Military-Grade Encryption (E2EE)
Your data means nothing to hackers because they can’t read it. We use AES-256 encryption—the same standard used by banks and governments—to secure your data at rest on your device and in the cloud. All data in transit is protected via TLS 1.3.
2. Zero-Knowledge Architecture
We operate on a “need-to-know” basis, and we don’t need to know. Unlike other apps that mine your data for ads, our zero-knowledge architecture ensures that your financial records are accessible only to you. We cannot see your expenses, receipt images, or budget details. Learn more about our privacy-first approach.
3. Biometric & Local Authentication
Add an extra layer of protection to your app. Enable FaceID, TouchID, or biometric fingerprint lock so that even if your phone is unlocked, your secure expense tracker remains inaccessible to prying eyes.
4. Secure Cloud Sync
When you choose to sync data across devices, we use secure tokens and encrypted channels. Your data is never exposed in plain text on our servers. Ideally, for maximum security, you can even use our offline mode to keep data strictly on your device.
Compliance, Trust & Transparency
We adhere to strict data protection regulations to give you peace of mind.
- GDPR & CCPA Compliant: We respect your right to privacy and your right to be forgotten. You can delete your account and all associated data instantly at any time.
- No Data Selling: We are a subscription-based business. You are our customer, not our product. We never sell your data to third parties, advertisers, or credit bureaus.
Frequently Asked Questions
Can Portmoneo employees see my expenses? No. Our system is designed (through encryption and access controls) so that your personal expense data is private to you. We have no “god mode” to view user data.
What happens if I lose my phone? If you enabled cloud sync, your encrypted data can be safely restored to a new device after you authenticate. If you used strictly local-only mode, your data remains on the lost device, protected by the OS-level security and our app’s biometric lock.
Is my credit card information safe? Portmoneo does not store your credit card numbers for expense tracking purposes because we do not directly connect to bank feeds (avoiding third-party aggregators like Plaid/Yodlee for privacy). Payment for Premium subscriptions is handled securely by Apple and Google’s standard payment processors.
How do I export my data securely? You can export your data at any time to CSV or Excel formats. These files are generated locally on your device, ensuring that the raw export data is never processed on a remote server for generation. See our secure export options.
