Privacy policy

The Nut, an app that turns your bills into what you need to make this week. Last updated October 9, 2026.

The short version. Your bills, your earnings, your bank balance and your goals stay on your phone. There are no accounts and no ads, nothing is sold, and nobody builds a profile of you. The few things that do leave your phone are listed below, every one of them.

What stays on your phone

Your bills, due dates, what you made each day, your bank balance, your goals, your notes and your settings live in your phone's own browser storage. When you take a picture of your bills, the reading happens on your phone and the picture is never uploaded. Moving the app to a new phone with the QR code goes straight from one screen to the other.

What leaves your phone, and why

Your subscription. When you subscribe, PayPal handles the payment; The Nut never sees your card or bank details. The app keeps your PayPal subscription ID and asks PayPal, through our server, whether it is active. PayPal also sends our server notices about it (started, renewed, cancelled), stored with that ID and its status.
Reminders, if you turn them on. Your phone gives us a push address so a reminder can reach it, plus the time and days you picked. Turning reminders off removes it.
Beta testers. If you use a beta code, the name and email you type and a random ID for your phone are kept for up to 400 days so the beta can be run and closed.
Notes you send. If you send a note from the app, we get the words, which screen you were on and the app version. Nothing else is attached.
Error reports. If something breaks, the app may send the error message, where it happened and the version, so it can be fixed. No bills, amounts or names are in it.
Voice. When you speak instead of typing, your phone's own speech recognition turns it into words (Google on Android, Apple on iPhone), under their privacy terms. The Nut only receives the words.
Your connection. Our host sees your internet address when the app talks to our server. It is used only for a per-minute speed limit that stops abuse, and it is not stored.

What we never do

No selling or renting your data, and no sharing it for marketing.
No ads, no tracking and no analytics.
Your bills, earnings and balance are never sent to us.

Your choices

Back up or move everything yourself from Setup.
Delete everything on your phone by clearing it in Setup or removing the app.
Cancel your subscription in Setup or in your PayPal account. To have what our server holds about your subscription, reminders or beta row removed, send a note from the app asking for it.

Other services

PayPal, Google and Apple each have their own privacy policies for what they receive.

Children

The Nut is not made for children under 13 and does not knowingly collect anything from them.

Changes and contact

If this policy changes, the date at the top changes with it. For questions or a request about your data, send a note from inside the app, or use accountableapps.pages.dev. See also the terms.