SmartLedger AI 中文EN

Effective November 1, 2026

Privacy Policy

This policy covers the SmartLedger AI iOS app and voiceaccount.top. It explains what we process, who helps us process it, and how you stay in control.

In short: your ledger is stored on your iPhone. Only when you use voice parsing does a recording leave your device. It is processed in memory on our server, sent to the speech-to-text and AI services named below, and is not saved to disk or to any cloud storage.

1. What we process

• Voice recordings: when you tap the microphone and use voice parsing, the app uploads that recording (.m4a) to our server.
• Transcripts: the text produced from your recording, used to create entries.
• Your category names: sent with the request so the AI can file entries under your own categories.
• Ledger entries: amounts, titles and categories you confirm are stored on your device with Apple's SwiftData. We don't receive your ledger.
• Technical data: our web server records standard access information such as IP address and request time to keep the service secure and working.

We don't ask you to create an account, and we don't collect your name, email, phone number, contacts or location.

2. How we use it

Only to turn what you said into expense entries (amount, title, category) and to keep the service reliable. We don't sell your data, use it for advertising, or build profiles about you.

3. Service providers

• Speech to text: your recording is transcribed by OpenAI's Whisper model (whisper-1), accessed through ChatAnywhere (api.chatanywhere.tech), a third-party API service.
• Turning text into entries: the transcript and your category names are sent to Alibaba Cloud Model Studio (DashScope), using the Qwen model.
• Hosting: our server runs on Tencent Cloud.

These providers process the data to deliver the result you requested, under their own terms and privacy policies.

4. Retention and deletion

• Recordings: handled in memory and passed to the speech-to-text service. We don't write them to disk or store them in any cloud storage, and they are discarded when the request finishes.
• Transcripts and results: returned to the app and not stored on our server.
• Your ledger: stays on your device until you delete it. Go to Settings → Data Management → Clear All Data in the app.
• Access logs: kept only as long as needed for security and troubleshooting.

5. Your choices

• Use manual entry only — nothing is uploaded.
• Turn off microphone access in iOS Settings at any time.
• Clear all data in the app at any time.

6. Children

SmartLedger AI isn't directed at children, and we don't knowingly collect children's personal information.

7. Changes

If this policy changes, we'll update this page and the effective date above.

生效日期：2026 年 11 月 1 日

隐私政策

本政策适用于 SmartLedger AI iOS App 及 voiceaccount.top，说明我们处理哪些信息、由谁协助处理，以及你如何掌控这些信息。

一句话概览：你的账本保存在 iPhone 上。只有在使用语音解析时，录音才会离开设备。录音在我们服务器的内存中处理，并发送给下文列出的语音转文字和 AI 服务，不会保存到硬盘或任何云存储。

1. 我们处理的信息

• 录音：当你按下麦克风使用语音解析时，App 会把这段录音（.m4a）上传到我们的服务器。
• 转写文字：由录音转出的文字，用来生成账目。
• 你的分类名称：随请求一起发送，让 AI 按你自己的分类归类账目。
• 账目：你确认的金额、标题和分类通过 Apple 的 SwiftData 保存在你的设备上，我们不会收到你的账本。
• 技术信息：网站服务器会记录 IP 地址、请求时间等常规访问信息，用于保障服务安全和正常运行。

我们不要求注册账号，也不收集你的姓名、邮箱、手机号、通讯录或位置。

2. 使用目的

仅用于把你说的话整理成账目（金额、标题、分类），以及保障服务稳定。我们不出售你的数据，不用于广告，也不做用户画像。

3. 服务提供方

• 语音转文字：录音由 OpenAI 的 Whisper 模型（whisper-1）转写，通过第三方接口服务 ChatAnywhere（api.chatanywhere.tech）调用。
• 文字整理成账目：转写文字和你的分类名称会发送给阿里云百炼（DashScope），使用通义千问模型。
• 服务器：部署在腾讯云。

这些服务方按照各自的条款和隐私政策处理数据，用于完成你请求的结果。

4. 保存与删除

• 录音：在内存中处理并转给语音转文字服务，我们不会写入硬盘或任何云存储，请求结束后即丢弃。
• 转写文字和结果：返回给 App，不在我们的服务器上保存。
• 你的账本：保存在设备上，直到你删除为止。可在 App 内进入“设置 → 数据管理 → 清除全部数据”。
• 访问日志：只在安全和排查问题所需的时间内保留。

5. 你的选择

• 只使用手动记账，不会上传任何内容。
• 随时在 iOS 设置中关闭麦克风权限。
• 随时在 App 内清除全部数据。

6. 未成年人

SmartLedger AI 并非面向儿童，我们不会有意收集儿童的个人信息。

7. 政策更新

政策有变化时，我们会更新本页并修改上方的生效日期。