Local-first money tracking
Manual entries, categories, plans, goals, balances and net-worth snapshots stay on the device by default.
RenIQ Life
Money clarity, without the noise.
A local-first personal finance app where Niqi, a friendly AI financial coach, helps turn everyday money data into a clear plan.
Designed for everyday decisions: record what happened, see what it means and choose the next small step.
- Availability
- Private beta
- Platforms
- Android and iOS
- Privacy model
- Local-first by default
About the app
The useful parts of personal finance, kept simple
RenIQ Life puts Niqi, a friendly AI financial coach, beside your private everyday money tracker. Niqi guides you through financial planning, helps you understand what your numbers mean and turns them into clear, practical next steps. Track spending, saving, goals and net worth in one calm mobile app. RenIQ Life does not hold or move money, and Niqi provides education rather than regulated investment advice.
Imports you review first
CSV files are parsed on the device. PDF statements and receipt photos are processed only after consent, and proposed transactions do not affect totals until confirmed.
Niqi, the friendly AI coach
Ask Niqi about your financial situation or plan. Niqi uses privacy-minimized summaries calculated by the app to explain what the numbers mean, guide you through planning and suggest practical next steps in friendly, simple language. Niqi does not move money or replace professional financial, legal, investment or tax advice.
Free core, optional Pro
Core local tracking, manual entries, CSV import, planning and insights remain free. Pro adds larger AI and document allowances plus optional cloud backup.
Download RenIQ Life
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RenIQ Life privacy
Your data, explained clearly
This app-specific notice explains what stays on the device, what is sent only after a request and how a user can export or delete data.
Effective 5 September 2026
1. Who is responsible
RenIQ s.r.o., Repašského 20, 841 02 Bratislava, Slovakia, is responsible for personal data processed through RenIQ Life. Contact: support@reniq.eu.
2. Local-first by default
Transactions, categories, plans, balances, goals, snapshots and consent history stay in the on-device database by default. RenIQ does not sell personal data, show advertising or include third-party marketing trackers.
The current app does not request bank passwords, contacts, precise location, health data, advertising identifiers or payment-card details.
3. Optional account and cloud backup
An account uses an email address, authentication identity and optional preferred name to sign the user in, recognize purchases and provide online features. Signing in alone does not upload the financial ledger.
Cloud backup is a separate Pro choice. If enabled, transactions, categories, preferences, balances, goals and net-worth snapshots are uploaded to an owner-scoped account. Bank credentials and original statement or receipt files are not included.
4. Niqi and document extraction
When a user asks Niqi, RenIQ sends the question, up to six recent messages from the current in-memory session and minimized financial summaries. It does not send individual transactions, merchant names, notes, email, bank credentials or the account identifier to the AI provider. RenIQ does not save the chat in its application database.
A PDF or receipt photo is sent only after the user confirms that specific file. Proposed rows return for review before they affect the ledger. RenIQ does not persist the original file. OpenAI may retain API abuse-monitoring data for up to 30 days.
5. Purchases and service providers
Apple or Google handles payment details. RevenueCat processes store receipts and the RenIQ account identifier to recognize and restore Pro access. Supabase provides authentication, optional backup, protected server functions, usage controls and operational logs. OpenAI provides requested AI answers and document extraction.
6. Usage and reliability data
For abuse prevention and cost control, RenIQ keeps an internal user identifier, daily and monthly usage counts and aggregate token counts. Logs are designed to contain request IDs, action names, status, duration and technical error categories, not financial payloads, documents, emails or bank data.
7. Retention and deletion
Device data remains until the user erases it or uninstalls the app, subject to operating-system backups. Cloud data remains until the cloud account is deleted or retention is legally required. AI usage counters are removed after 30 days. RenIQ does not persist AI prompts, responses, PDFs or receipt photos in its application database.
Device erasure and cloud-account deletion are separate actions so one action cannot unexpectedly destroy both copies.
8. Choices and rights
The app provides controls to export data, erase the device, pause backup or delete the cloud account. Depending on applicable law, a person may also request access, correction, deletion, restriction, objection, portability or withdrawal of consent. Contact support@reniq.eu; identity verification may be required.
9. Security, children and changes
RenIQ uses encrypted connections, owner-scoped database rules, protected device storage, server-held secrets and bounded requests. No system can promise absolute security.
RenIQ Life is intended for adults and is not designed for children. Material changes to this notice will be communicated when required.
RenIQ Life terms
Simple rules for a helpful app
These app-specific terms cover the beta, Free and Pro allowances, Niqi, imports, purchases and user responsibilities.
Effective 5 September 2026
1. Provider and eligibility
RenIQ Life is provided by RenIQ s.r.o., Repašského 20, 841 02 Bratislava, Slovakia. Contact: support@reniq.eu. The app is intended for adults who can enter a binding agreement in their country.
2. What the service does
RenIQ Life helps users record, organize and understand personal finances. Core calculations are deterministic. The user remains responsible for the accuracy of information entered, imported or confirmed and for keeping device and account credentials secure.
3. Free and Pro allowances
Free includes unlimited local tracking, manual entries, CSV import, planning and insights; 10 Niqi answers per calendar month with a maximum of 3 per UTC day; 1 PDF extraction per calendar month; and 3 receipt extractions per calendar month.
Pro adds optional cloud backup; 100 Niqi answers per calendar month with a maximum of 10 per UTC day; 10 PDF extractions per calendar month; and 30 receipt extractions per calendar month. Allowances reset automatically and unused requests do not roll over.
Allowances may be adjusted for cost, safety or service quality. Material reductions for paying users will be communicated before taking effect where required. Add-on message or extraction packs are not part of the current beta.
4. Niqi is educational, not an adviser
Niqi may be incomplete or wrong. It provides general financial education and explanations, not individualized investment, tax, legal, credit or debt-contract advice. It does not recommend named securities or providers, guarantee returns or execute transactions. Important decisions should be checked against primary documents and, where appropriate, a qualified professional.
5. Imports and user responsibility
CSV, PDF and receipt extraction can misread dates, amounts, direction or descriptions. Every proposed item must be reviewed before confirmation. Users must upload only files they are entitled to use and must not upload unlawful, malicious or third-party confidential material.
6. Accounts and cloud backup
An account is required for Niqi, protected extraction, purchase recognition and optional cloud backup. Users must provide accurate sign-in information, protect credentials and notify RenIQ of suspected misuse. Local data remains the user's responsibility until backup is deliberately enabled.
7. Purchases, renewal and cancellation
Pro purchases are processed by Apple or Google under their store terms. Subscription price and billing period are shown before confirmation. Auto-renewing plans renew unless cancelled through the applicable store. Restore Purchases can recover an eligible entitlement. Statutory withdrawal, refund and consumer rights remain unaffected.
8. Acceptable use and suspension
Users must not bypass limits, probe or disrupt the service, automate abusive requests, attempt unauthorized access or use the app unlawfully. RenIQ may restrict online features when reasonably necessary for security, abuse prevention, legal compliance or service protection, while preserving mandatory consumer rights.
9. Availability, ownership and liability
The beta may change, contain defects or be interrupted. RenIQ may improve or retire features and will communicate material paid-service changes where required. RenIQ and its licensors retain rights in the app, brand and software; users retain rights in their data.
To the fullest extent permitted by law, RenIQ is not responsible for decisions made solely from app output, user data errors or events outside reasonable control. Nothing excludes liability or remedies that applicable consumer law does not allow to be excluded.
10. Ending use, changes and law
A user may stop using the app, cancel a subscription through the store and delete cloud data through the app. RenIQ may update these terms with reasonable notice for material changes. Slovak law applies unless mandatory law in the user's country provides otherwise. Courts are determined by applicable mandatory rules.