Last updated: October 24, 2026
Skarbfolio ("we", "us") provides a personal portfolio-tracking application. This policy explains what data we collect, why, and how you can control it.
Data we collect
- Account data: your email address and authentication credentials (or OAuth identity if you sign in with a third-party provider), and your app preferences such as base currency and language.
- Portfolio data: the accounts, holdings, transactions, and prices you add or import, including data pulled in from IBKR Flex Query, Monobank, or XLSX imports you connect or upload, and the public wallet addresses you add for automatic crypto balance sync (via Alchemy).
- Usage data: if you accept analytics cookies, we collect anonymized product-usage events (pages visited, features used) via PostHog to help us understand how the app is used.
- Error data: technical error reports (e.g. stack traces, the page you were on) are collected automatically via Sentry to help us fix bugs. This is separate from analytics and isn't gated by the cookie banner, since it's necessary to operate the service reliably.
Cookies
We use a required session cookie to keep you signed in and a cookie to remember your language preference. These are essential and always set.
If you arrive through a tagged link (for example from a post or an ad) or from another website, we set a first-party cookie for up to 30 days recording that source: the link's campaign tags, any referral code and the referring site's domain. It holds no personal data and is read only by our own server. If you create an account, the source is saved with it so we know which channels bring people in, and the cookie is removed.
If you accept the optional cookie prompt, we also load PostHog to collect anonymized usage analytics. You can decline this at any time — your choice is stored locally in your browser and analytics stay off until you change it.
Mobile app
The mobile app sends usage analytics (screens viewed, features used) and crash and error reports to PostHog, linked to your account ID — never your email, balances or transaction amounts. Session recording is not used. You can turn this off at any time under Settings → Share usage analytics.
Push notifications
If you turn on notifications on your phone or in your browser, we store a push token for that device: an identifier issued by Apple (for the iOS app) or by your browser's push service (for the web). We use it only to send you the reminders you've chosen, such as an upcoming debt payment, and a reminder's title and text — which can include the debt's name and amount — pass through Apple's or your browser's push service to reach the device. The token is deleted when you turn notifications off on that device, sign out of the app, delete your account, or the push service reports it's no longer valid.
How we use your data
- To provide and operate the app (store and display your portfolio, sync connected accounts, send you account-related emails).
- To diagnose and fix bugs (error reports).
- To understand product usage and improve the app (only with consent).
We do not sell your data, and we do not share your portfolio data with third parties except the services you explicitly connect (e.g. IBKR, Monobank, Alchemy) or infrastructure providers who process data on our behalf (hosting, database, error tracking, analytics, email delivery).
Data retention & deletion
Your data is retained for as long as your account is active. You can delete individual accounts, holdings, and transactions at any time from within the app. You can permanently delete your whole account, with all of its data, under Settings → Delete account (on the web and in the mobile app); deletion is immediate and also cancels any automatic renewal.
Your choices
- Decline or change analytics cookie consent at any time.
- Turn off mobile app analytics under Settings → Share usage analytics.
- Export or delete your portfolio data from within the app.
- Delete your account and all of its data from Settings.
- Contact us to request a copy of your data.
Contact
Questions about this policy or your data can be sent to privacy@skarbfolio.app.