TL;DR: Kerykeion runs entirely on your Mac. Your financial data never leaves your device — there are no Talaria Labs servers, no analytics, no tracking, and no iCloud sync. The only optional exception is the SimpleFIN bank-sync feature: if you choose to set it up, your Mac connects directly to the SimpleFIN service you authorize, using credentials stored in your Mac's Keychain. Even then, nothing is ever sent to Talaria Labs.
Introduction
Kerykeion ("the App") is a personal finance app for macOS. It is committed to protecting your privacy. This Privacy Policy explains what information the App accesses, how it is used, and the control you have over it. The App is built to be local-first: by default, your data stays on your Mac.
Information the App Accesses
CSV Imports
The primary way data enters the App is by importing CSV files that you export from your bank or credit-card provider. When you select a file, the App reads it (using read-only, sandboxed file access) and parses it entirely on your Mac. The transaction data it reads includes:
- Transactions: dates, descriptions, payees/merchants, amounts, and any category provided by your bank
- Account information: balances and the account a transaction belongs to
Important: The App only reads the CSV files you explicitly select. It does not scan your disk, and it does not modify your original files.
Information You Provide
- Accounts: account names, colors, icons, and file patterns you set up for bulk import
- Category corrections: when you re-categorize a transaction, the App can learn a reusable rule to apply to similar transactions
- Bill decisions: your choices to include or exclude detected recurring charges
- Preferences: display and app settings
SimpleFIN Bank Sync (Optional)
The App offers an optional integration with SimpleFIN, a third-party service you sign up for separately that provides read-only access to your bank account data. If you do not set this up, the App makes no network connections and works only with the CSV files you select.
If you choose to connect SimpleFIN:
- Setup: You paste a one-time Setup Token. The App exchanges it for a permanent Access URL, which is stored securely in your Mac's Keychain.
- Syncing: When a sync runs, your Mac connects directly to the SimpleFIN service and downloads account balances and transactions (date, amount, description, payee, category, and memo). Syncs are rate-limited (up to 24 per day; automatic syncs up to 6 per day, roughly every 4 hours).
How this works: Talaria Labs operates no server in this process. Your SimpleFIN credentials and the data they return travel directly between your Mac and the SimpleFIN service — not through us. SimpleFIN's handling of your data is governed by SimpleFIN's own privacy practices and terms.
How the App Uses Your Information
On-Device Processing
All analysis happens locally on your Mac:
- Categorization: matching transactions to spending categories using your rules and built-in merchant mappings
- Bill detection: identifying recurring charges from your transaction history
- Transfer matching: linking movements between your own accounts so they aren't double-counted
- Runway & insights: calculating how long your balances last and surfacing spending trends
The App does not send your financial data to external servers for processing. All categorization, detection, and analysis run entirely on your device.
Data Storage
- Local Storage: Transactions, accounts, rules, and balance history are stored locally on your Mac using SwiftData
- Preferences: App settings are stored locally via UserDefaults
- SimpleFIN Credentials: If you enable bank sync, the SimpleFIN Access URL is stored in the macOS Keychain
- No iCloud Sync: The App does not use iCloud or CloudKit. Your data does not sync across devices and is not stored in any cloud by Talaria Labs
Data Sharing and Disclosure
We do not sell your data, run analytics, or share data with advertisers.
- No analytics services
- No advertising networks
- No data brokers
The only data transmission the App can perform is:
- SimpleFIN (opt-in): If you connect SimpleFIN, your Mac communicates directly with the SimpleFIN service you authorized to download your account data. No other outbound connections are made.
Your Data Rights and Controls
You have complete control over your data:
- Edit or Delete Transactions: Modify or remove any transaction at any time
- Disconnect SimpleFIN: Disconnecting bank sync removes the stored Access URL from your Keychain
- Delete All Data: Account Settings → Delete All Data clears all transactions, accounts, rules, balance snapshots, and preferences
- Uninstall: Removing the App deletes all of its local data, including any stored SimpleFIN credentials
- Export: You can export your data to your Downloads folder whenever you choose
Data Security
The App protects your information through:
- App Sandbox: The App runs in Apple's macOS sandbox with read-only access limited to files you select
- Keychain: SimpleFIN credentials are stored in the macOS Keychain, not in plain files
- Device Security: Local data is protected by your Mac's security (login password, FileVault, Touch ID)
- No External Servers: Because Talaria Labs operates no servers for the App, there is no server-side database of yours to breach
- Minimal Access: The App requests only what it needs — read-only access to files you choose, and network access only for optional SimpleFIN sync
Children's Privacy
The App does not knowingly collect information from children under 13. The App is not directed at children, and we do not knowingly collect personal information from anyone under 13 years of age.
Third-Party Services
The App does not use analytics platforms or advertising networks. Third-party involvement is limited to:
The App also relies on Apple's built-in frameworks:
- SwiftData: For local data storage
- Keychain Services: For securely storing SimpleFIN credentials (if used)
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this policy. Continued use of the App after changes constitutes acceptance of the updated policy.
International Users
The App processes data locally on your Mac. Talaria Labs does not store your data in any cloud or transfer it across borders. If you enable SimpleFIN sync, your data is handled by the SimpleFIN service you authorized, subject to its own policies.
California Privacy Rights (CCPA)
California residents have specific rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You can request what personal information we collect (see "Information the App Accesses" above)
- Right to Delete: You can delete all your data within the App or by uninstalling it
- Right to Opt-Out of Sale: We do not sell personal information
- Right to Non-Discrimination: We do not discriminate based on privacy choices
Since all data is stored locally on your Mac, you have direct control without needing to contact us.
GDPR Compliance (European Users)
If you're in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):
- Data Controller: You are the controller of your own data; we provide the tool
- Legal Basis: Processing is based on your consent and contract performance (app functionality)
- Data Portability: Export your data at any time using the App's export feature
- Right to Erasure: Delete data within the App or by uninstalling it
Contact Information
If you have questions about this Privacy Policy or our privacy practices:
Developer: Griffith Boggs
Email: talarialabs@proton.me
Website: talarialabs.app
App Store Privacy Labels
For App Store compliance, here's how we answer Apple's privacy questions:
Data Not Collected
Kerykeion does not collect any data. All financial information you import or sync is stored and processed locally on your Mac and is never transmitted to Talaria Labs. We collect none of the following:
- Contact information
- Identifiers
- Usage data
- Diagnostics
- Advertising or marketing identifiers
- Location
Note: While the App works with your financial data on your device, that data is not "collected" by the developer in Apple's sense — it never leaves your Mac except, optionally, to the SimpleFIN service you connect directly.
Tracking
We do not track you across apps or websites.
Your Trust Matters
Kerykeion was built with privacy as a core principle. Your financial data is yours alone.
- Everything processes on your Mac
- No analytics, tracking, or advertising
- No Talaria Labs servers and no iCloud sync
- No data sales or sharing
- SimpleFIN bank sync is opt-in and connects directly to the service you authorize
- Complete user control over all data
If you have concerns or questions, please reach out. We're here to help.