Trickle · Last updated 2 October 2026
Trickle never connects to your bank and never sends your statement anywhere. You import a file; the app reads it on your phone; that's the whole arrangement.
Trickle reads a bank statement you export yourself as a CSV file and import into the app. It looks through the transactions for things worth a second glance — subscriptions you may have forgotten, bills that have crept up, duplicate charges, large payments coming up, buy-now-pay-later plans — and shows you what it found.
All of that reading happens on your phone. The transactions, the merchants Trickle groups them into, what it flags, and what you decide about each one are saved in the app's own database on your device. None of it is transmitted anywhere. We can't see it, and neither can anyone else, because there is no server holding a copy.
Trickle never asks for your online banking login, never logs in to your bank, and has no link to any bank or open-banking service. The only way anything about your account gets into the app is a file you chose to export and chose to open in Trickle.
Checking for app updates. When Trickle opens, it asks our update service, run by Expo, whether a newer version of the app is available, and downloads it if there is one. That request carries your phone's operating system, Trickle's project ID, and a random token Expo uses to count how many installs have picked up an update. The token isn't tied to you, your phone's hardware or anything in the app. Nothing about your statement or your spending is ever part of it. Expo explains these requests here.
Buying the one-off unlock. That purchase goes through the App Store or Google Play, the same as any app purchase: the store takes the payment, and we never see your card or payment details. The store tells us a purchase happened so the app can stay unlocked, and Apple's or Google's own privacy policy applies to that transaction. Nothing about your statement is part of it.
If you set a reminder for an upcoming bill, Trickle schedules a notification with your phone's own notification system. It is created and shown by the phone; nothing is sent to us or to anyone else, and you can turn notifications off for Trickle in your phone's settings at any time.
If your phone backs itself up to iCloud or your Google account, that backup may include Trickle's data along with everything else on the device. That is run by Apple or Google under their terms, not by us, and you can exclude this app in your phone's settings.
Trickle doesn't knowingly hold information about anyone, children included, because it holds no information about anyone.
Everything lives on your device, so you're in control of all of it. Settings → Delete all data wipes every imported statement and everything derived from it; uninstalling the app does the same. There's nothing to request from us and no copy anywhere for us to delete.
If this policy changes, the date at the top changes with it. If Trickle ever starts collecting anything — it has no plans to — that will be stated here plainly and in the app before it happens.