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No. Spends are stored encrypted on your iPhone. There is no Bachat account and no server that receives your data. The privacy policy lists the few optional features that talk to other services, such as Outlook sign-in.

iOS doesn't let apps read your SMS or notifications, so you set up a Shortcuts automation once and it passes bank messages to Bachat. In the app, open You → Capture and pick a source:

• Apple Pay / Wallet: a Wallet automation, about a minute.
• Bank SMS: a Message automation for each bank sender.
• Bank app and mail app alerts (iOS 27): one Notification automation.
• Apple Mail: an Email automation, or Outlook sign-in (read-only).
• Statements: share a PDF or CSV statement to Bachat.

Each guide shows every step and lets you test it. Make sure "Run Immediately" is on, so the automation doesn't wait for you.

• Check the automation still exists and is set to Run Immediately (Shortcuts → Automation).
• Look in Review on Home: spends Bachat wasn't sure about wait there.
• Online card payments don't trigger Apple Pay automations; add your bank's SMS or email as a second source.
• If a message was skipped, open You → Diagnostics and tap it to teach Bachat how to read it.

Open the extra one, tap Edit, then Remove this transaction (you can undo it, and restore it later from You → Removed spends). Please also send us a report from You → Report a problem, so we can improve the matching.

Bachat starts with banks and cards in the UAE and India, including UPI apps, and reads most message formats. You can add any bank, shop or currency in You → Banks and shops.

Gmail sign-in isn't in this version yet. Meanwhile, add your Gmail account to Apple Mail and use the Apple Mail automation, or the Gmail app notification automation on iOS 27.

On the old phone, open You → Backup and export a backup (or turn on automatic backup to iCloud Drive or another folder). On the new phone, install Bachat and restore from that file with your backup password. Then set up your Shortcuts automations again, since automations don't move by themselves.

In the app, open You → Backup → Delete everything. This erases all spends, plans and settings from the phone. If you connected Outlook, also disconnect it in You → Capture → Email. Deleting the app also removes its data.

No. Grow explains types of savings and helps you plan with your own numbers. It never names products or tells you what to buy. See the terms.