Tobias Personal Finance is a private, read-only financial-analysis pilot operated by Tobias Kocur for his own accounts. Contact: hi@tobiaskocur.com.
The application is used only to retrieve and analyse the account information of its owner: account identifiers and metadata, balances, transaction history and account-consent status. It does not initiate payments, transfers, trades or changes to financial products.
Where account access is enabled, the owner authorises it directly with the bank through Enable Banking's account-information service. Bank login credentials are entered only with the bank and are not provided to this application. Access can be revoked through the bank or the relevant consent-management flow.
Retrieved financial data and the application private key are stored locally on the owner's Mac for this personal pilot. They are not sold, shared with other users or published. Financial data is not sent to an external AI model unless the owner explicitly enables a separate processing mode.
Data is retained only while the owner keeps the local pilot active and may be deleted locally at any time. A request to revoke access or ask a privacy question can be sent to the contact address above.
This policy may be updated when the pilot changes. Material changes will be reflected on this page before they apply.