AI processing

When AI is used

AI is used only if the household's owner turns it on in Settings → AI after reading the consent text. Without AI the app works with rules: it reads the QR code of receipts, recognises known bills and calculates everything on your device.

With AI on: reading receipts and documents from a photo, quick entry with a sentence, reading bill and offer e-mails the rules cannot read, sorting products into the household's categories, meal ideas, short savings tips and, on VIP, a monthly family report.

What data is sent and to whom

For each request only what is needed is sent — the photo, the amounts, the names of bills, subscriptions and products, the quick-entry sentence or the text and PDF of the e-mail — to Anthropic (the Claude Haiku 5.5 model; for the monthly family report Claude Sonnet 5.5), or to OpenAI if Anthropic does not answer within 10 seconds or is unavailable. Before sending, the app removes names, addresses, links, IBANs and personal ID numbers. A photo may also contain other data visible on it — photograph only the receipt or document.

HomesWallet does not keep what is sent or the answer — our server only relays them and records how many times AI was used, without content. The providers automatically delete the data they receive within 30 days and under their contract terms do not use it to train models. The transfer to the USA is under standard contractual clauses (see "Privacy policy").

Night processing: every plan includes a monthly AI budget. When it is used up, AI does not stop: new requests go to the night queue and are processed between 01:00 and 05:00 Bulgarian time through the provider's batch service (at half price). While waiting, the request is kept on the server encrypted with the server's own key (not the household key) for at most 72 hours. After processing the server deletes the request, and the result is sealed with a one-time key created by your browser and deleted as soon as the app collects it. The VIP monthly family report always goes this way and is made from numbers only.

Results and your control

An AI result is always a draft: we show it and you confirm or correct it before it is saved. AI can make mistakes — check the amounts and dates. The tips are general and are not financial advice.

The owner can turn AI off at any time in Settings → AI; from then on nothing is sent. When the consent text changes, AI is off until the owner accepts the new text. The number of AI photos is limited by plan, and requests also per hour, to prevent abuse and unexpected cost; when the monthly AI budget is used up, requests are processed at night.