Privacy

Last updated: September 2026

This page is short because the honest answer is short: Nomia is built so that we cannot see your financial data. Not "we choose not to look." There is simply nothing for us to look at.

Where your data lives

• On your iPhone. Your accounts, transactions, cards, loans, budgets, receipts, and the app's learned knowledge are stored on your device.
• In your own iCloud (optional). If you turn on iCloud Backup, Nomia stores a copy in your personal, private iCloud database: the one attached to your Apple ID, encrypted by Apple and counted against your iCloud storage. Apple's architecture gives the developer no way to read it.
• Nowhere else. Nomia operates no servers that store your records. We cannot lose, sell, leak, or be compelled to hand over data we never possess.

The AI assistant

When you talk to Nomia's assistant, your message and the context it needs (such as account names and recent activity) travel through Nomia's relay at api.nomia.money to Anthropic, the AI provider, to generate the reply. The relay streams the conversation through without storing it: it keeps token counts, never words. This happens only when you actively use the assistant or attach something for it to read.

• We do not store these conversations on any server of ours.
• Anthropic processes the request under its own privacy terms; API traffic is not used to train their models by default.
• Routine bank messages are parsed entirely on your device, without AI, and work offline.

What we collect about you

Almost nothing. No analytics, no trackers, no advertising identifiers, no crash-data brokers. The app talks to Apple (for iCloud and notifications you enable) and to Nomia's relay (when you use the assistant). That is the complete list.

The website no longer collects anything. The launch waitlist was retired in September 2026 and nomia.money no longer accepts email addresses. Addresses given to the earlier waitlist are kept in our records until they are deleted; write to hello@nomia.money to have yours removed.

Nomia has no user accounts, and none are planned. Your device holds an anonymous identifier: a random ID it invented, confirmed as a genuine iPhone by Apple's DeviceCheck, and used for nothing except counting AI usage against fair limits. It names nobody, and we cannot connect it to you. When subscriptions arrive, payment will run through Apple (we never see card details, names, or emails). No sign-up, no password, no profile.

Your controls

• iCloud Backup is off until you turn it on, and you can turn it off any time.
• Deleting the app deletes the on-device data; your iCloud backup remains yours, in your iCloud, until you delete it.
• Face ID lock is available in Settings to protect the app on your device.

Questions

Write to hello@nomia.money. A human reads it.