Effective date: September 20, 2026
APM Insights LLC ("we," "our," or "us") operates the Kit mobile application (the "App"). This Privacy Policy explains how we collect, use, and protect information when you use Kit.
Information we collect
Information you provide directly:
- Name, email address, and baby's name provided when you set up Kit (Kit does not have accounts or passwords)
- Budget information including income, fixed expenses, variable expenses, and baby-related expenses
- Spending transactions you log manually
- Savings goal names, target amounts, and contribution amounts
- Future fund account names, types, balances, and contribution amounts
- Recurring bill names, amounts, and due days; your baby's birth or due month; leave-plan figures; and, if you choose to enter it, a partner's income
- Messages you send to Kit Advisor, and the information included in requests you make to Kit's other AI features
Information collected automatically:
- App usage data and crash reports collected through standard iOS frameworks
- Device type and operating system version
How we store your information
All budget, spending, goals, and future fund data is stored locally on your device using on-device storage. This data does not leave your device except as described below.
When you use one of Kit's AI features (Kit Advisor, the budget builder insight, Monthly Recap, the weekly check-in, the leave planner review, hidden money priorities, the partner money-date guide, spending trend insights, and cost forecasts), Kit sends the information needed for that request to our secure server infrastructure (hosted on Railway) solely to generate the response. Depending on the feature, this can include your name, your baby's name or age, your monthly income, budget and spending figures, savings goal names and amounts, Future Fund balances, leave-plan figures, and a partner's income if you entered it. Kit Advisor requests also include your email address as an identifier. Kit Advisor conversation content is not retained after a response is generated.
Bills, reminders, backups, and settings stay on your device. Reminders are scheduled on your device and are not sent to our servers.
How we use your information
- To provide and operate the Kit app and its features
- To generate personalized responses from Kit Advisor
- To generate your Monthly AI Recap and the other AI-powered suggestions, estimates, and summaries you request
- To improve the App and fix issues
- To respond to your support requests
Device features
- Face ID / passcode lock: If you turn this on, unlocking is handled by iOS. Kit does not receive, see, or store your biometric data.
- Backups and sharing: When you export a backup or expenses file, or share a snapshot, the file or text leaves Kit only where you choose to send it. Backup files are not encrypted, so keep them somewhere private.
Information we do not collect
- We do not collect or store bank account numbers, credit card numbers, or any financial account credentials
- We do not connect to your bank accounts or financial institutions
- We do not sell your personal information to third parties
- We do not use your data for advertising purposes
Third-party services
Kit uses the following third-party services:
- Anthropic: Powers Kit's AI features. Messages you send to Kit Advisor, and the information described above for Kit's other AI features, are processed by Anthropic's API. Anthropic's privacy policy is available at anthropic.com/privacy.
- RevenueCat: Manages in-app subscriptions and purchase verification. RevenueCat's privacy policy is available at revenuecat.com/privacy.
- Apple: App Store, in-app purchases, and standard iOS data collection as described in Apple's privacy policy.
Children's privacy
Kit is intended for use by adults (parents and expectant parents). Kit is not directed at children under the age of 13 and we do not knowingly collect personal information from children under 13. The App may reference information about your child (such as baby's name and age) solely for personalization purposes within the App.
Data retention and deletion
Your locally stored data (budget, spending, goals, future fund, bills, and settings) remains on your device until you choose Settings > Delete all my data or uninstall the App. Delete all my data clears everything Kit stores on your device and cancels reminders scheduled by Kit. It does not cancel your subscription, which is managed through your Apple ID (iPhone Settings > your name > Subscriptions). Backup or export files you created, and any information you shared from Kit, are copies outside Kit that you control.
To request deletion of any account information we may hold, email us at apm@apminsightsllc.com. We will process deletion requests within 30 days.
Security
We implement appropriate technical measures to protect your information, including encrypted transmission of data to our servers. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Changes to this policy
We may update this Privacy Policy from time to time. We will notify you of material changes by updating the effective date at the top of this page. Your continued use of Kit after changes are posted constitutes your acceptance of the updated policy.
Contact us
If you have questions about this Privacy Policy or your data, please contact us at:
APM Insights LLC
Email: apm@apminsightsllc.com