What we promise

Your records are private to you. Only someone signed in to your account with your PIN can see them. No other user of Daily Balance can ever see your records.

We do not sell or share your data. Your records, your phone number and your email address are never sold, rented, or given to advertisers or any other company.

Your PIN is never stored as you typed it. It is scrambled before it is saved, by a method that cannot be reversed. Nobody — not even us — can read your PIN out of the database. That is also why, if you forget it, we can only help you set a new one.

The app’s admin screen shows no records and no amounts. To keep the service running, the app owner can see a list of account names, the phone number or email address each one signed up with, when each account joined, how many records it holds and when it was last used — never your records, your amounts, or your balances. The owner can set a new PIN for someone locked out, and remove an account at its owner’s request.

You are in control. You can download your records, delete them, and close your account altogether — all from Settings, without asking us and without waiting for us.

What we store, honestly

So the app can work on any of your phones and keep your records safe if you lose your phone, your records are stored in a secure database. They are protected by your PIN and standard security measures, and are used for nothing except showing you your own money book.

We keep: your name, the phone number or email address you signed up with, your scrambled PIN, and the records you enter. The app also keeps a few housekeeping details about the account itself — when it was created, when a code was last sent to it, and how many times a wrong PIN has been tried — so that sign-in can be kept safe, plus the short list of account events described under If something goes wrong below. We do not collect your location, your contacts, or anything else from your phone.

Who else touches your data

Daily Balance is a small app and it runs on other companies’ machines. Being straight about that matters more than sounding self-sufficient. Five companies are involved, each doing one job for us, none of them allowed to use your data for their own purposes:

• Neon keeps the database — so it holds your records. They store them for us; they do not look at them or use them.
• Vercel runs the app itself, so your requests pass through their servers on the way to and from the database.
• Arkesel sends your sign-in code by SMS. They see the phone number and the message the code is in — nothing else about you.
• Resend does the same by email. They see the email address and the message the code is in — nothing else about you.
• GitHub holds the nightly backup. It is locked before it leaves us, with a key they do not have, so what they hold is a sealed box rather than your records. Each one is deleted after 30 days.

Nobody else. There is no advertising network in this app, no tracking company, and no analytics watching what you do.

How long we keep your records

For as long as you want them, and no longer. Nothing is deleted on a timer and nothing expires — your book is yours until you remove it. We hold your records for one reason only: to show you your own money book on whichever phone you sign in from.

When you delete a book, or close your account, it goes from the app straight away — really deleted, not hidden, not marked as closed, and not kept where you cannot see it. Once it is gone we cannot bring it back, and neither can anybody else. That is the point of it.

One copy outlives it, briefly, and you should know about it. A backup of the whole database is made every night, so that nobody loses their book to a failed server. It is locked so that only we can open it, kept for 30 days, and then deleted. A closed account therefore disappears from the last of those within 30 days, and after that nothing of it exists anywhere at all.

What you can do, any time

You do not have to ask permission or wait for us. All of this is in the app already:

• See everything we hold about you — it is the app. Your records are on your screen and your account details are in Settings. There is no separate file on you anywhere.
• Take a copy — Settings → Download my records, as CSV, Excel or PDF. It downloads the book you are in, so if you keep more than one book, switch book and download again. It is yours to keep or move elsewhere.
• Correct anything — open any record and change it, or delete that one entry.
• Delete everything — Settings → Start fresh clears a book’s records, and you can delete a whole book.
• Close the account — Settings → Close my account. Your PIN confirms it, and your account and every record in every book go immediately. You do not have to ask us.

If you are ever unhappy with how your records are handled, write to us and say so. We would rather hear it than not.

If something goes wrong

If we ever find that records have been seen by someone who should not have seen them, we will tell the people affected ourselves — by SMS or email, whichever the account uses — as soon as we can and within three days of finding out. We will say what happened, what was exposed and what to do about it. We will not wait to be asked.

So that we could ever answer that question honestly, the app keeps a short list of things that happened to an account: signing in, a wrong PIN, a code being sent, a record being added or deleted, a download, a book or an account being closed. Each entry holds only the time, which account it was, what kind of thing happened, and a partial network address — the last part is dropped, so it can show that someone tried over and over from one place without pointing at a person’s door.

That list can never hold the contents of your records. It cannot say what a record was for, which book it went into, or how much it was — there is nowhere in it for such a thing to be written. It is what would tell us that an account had been broken into and what was touched, and it is also how we notice somebody guessing at PINs. We keep it for 90 days, and it then deletes itself.

Separately, the companies that run our servers keep their own short technical logs of errors, as any host does. Those are theirs, kept briefly, and discarded automatically.

Where we stand legally

Daily Balance is operated from Ghana, and personal data in it is handled under the Data Protection Act, 2012 (Act 843). Under that Act you have the right to see the data held about you, to have it corrected, and to have it deleted. The app gives you all three without an application and without a fee — they are the buttons described above.

If you are not satisfied with how we have handled something, please tell us first so we can put it right. If we cannot settle it between us, you may take the matter to the Data Protection Commission of Ghana.

How to reach us

Daily Balance is made by YordaTech, a business unit of HOME CROWN ENTERPRISE. If you have a question about your records, this privacy page, or anything else:

Email dailybalance@yordatech.com

Or message us on WhatsApp: +233247051972