Privacy Policy
Last updated: November 11, 2026
Oakfold is built local-first. This policy explains what stays on your computer, what is sent to us or our processors, and the choices you control. We've tried to write it the way we'd want to read it.
1. Who we are
Oakfold ("we", "us") is made and operated by Oakfold LLC, a South Carolina limited liability company, 7108 Delight Dr, Taylors, SC 29687, United States. You can reach us through our contact page.
2. Your financial data lives on your device
Oakfold stores your accounts, transactions, budgets, debts, goals, scanned statements and Ask Oak chat history in a local database on your computer. Statement files you scan are processed on your computer and kept in the app's local data folder; they are never uploaded.
Oakfold does not ask for, receive or store your online banking credentials. There is no bank aggregation service involved in the product.
3. Your Oakfold account
Signing in is required to use Oakfold. You can create an account with an email address and password, or continue with Google. Account data (your email address, name and a hashed password, or your Google account identifier) is stored with our authentication and database provider, Supabase, so we can recognise you, link your plan to you and provide support.
4. Information we collect
| Category | Why | Retention |
|---|---|---|
| Account details (email, name, hashed password or Google identifier) | To create your account, link your plan and provide support | Until you ask us to delete your account |
| Subscription and billing records (plan, subscription status, invoices, amounts, Stripe customer ID, referral code if you used a partner link) | To provide Core, bill you, credit partner organizations and meet tax and accounting obligations | As required by law |
| Online sync contents (see section 5) | So you can restore your data or move to another computer | Until you switch sync off and ask us to delete the copy, or delete your account |
| AI usage (credits used per request, which feature used them, and when) and your extra usage limit | To track your credit balance, show you your usage, and bill extra usage | For the life of your account |
| Support messages (your name, email address, topic and message, sent through our contact form or by email) | To answer your questions | Up to 24 months after the conversation ends |
5. Online sync and Private mode
Oakfold can back up your financial records to your own account on our cloud provider, Supabase, so you can restore them or move to a new computer. When online sync is on, changes are saved locally first and then backed up to the cloud a couple of minutes later.
Online sync is enabled when you first sign in. You can switch it off at any time from the cloud icon in the app's title bar. With sync off, Oakfold runs in Private mode: changes are saved on this device only, nothing is transmitted to us, and we cannot recover your data for you if the device or its local data is lost. You can turn sync back on later.
Chat history and scanned statement files are never included in online sync.
6. Ask Oak and AI features
Ask Oak only transmits data when you actively ask a question, use voice mode, share your screen with Oak or trigger an AI action. At that point, the portion of your financial data relevant to your request, any files you attach, and your message are sent to an AI processing provider to generate a response. If you never use the AI features, no financial data is sent for AI processing.
When you share your screen with Oak, an image of the Oakfold window only — never the rest of your desktop — is sent with each spoken question so Oak can see the page you're asking about.
We currently use the following providers for AI features. They process your request to produce a response and are bound by their own privacy terms:
- Ollama (cloud model hosting) for chat responses and optional web search.
- xAI for premium text-to-speech voices.
- Microsoft (Edge speech service) for standard text-to-speech voices.
Speech-to-text for dictation and voice mode runs on your computer. Statement scanning does not use AI and also runs on your computer.
Chat responses are generated on servers in the United States. Your requests are not stored once a response has been generated, and they are never used to train AI models. Oakfold's own servers record only how many credits a request used, never what you asked or what Oak replied. Your financial data is never sold, and it is never shared with anyone beyond the providers listed above, and then only to answer your request.
Providers may change as the product develops; we will update this section when they do.
7. Payments
Oakfold Core is billed by Stripe, which may act as the reseller and merchant of record for your purchase. Stripe collects the billing information needed to take payment (your name, email address, billing address and card details) and shares with us only what we need to provide and support your subscription: your name, email address, country, your plan, your invoices and the last four digits of your card. To bill extra usage, we send Stripe the number of extra credits you used, never what you asked Oak. We never see or store your full card details. See Stripe's privacy policy for details of their processing.
8. This website
getoakfold.com does not use analytics scripts, advertising trackers or cookies. If you
arrive through a partner or referral link (for example ?ref= or
?src=), that code is passed to checkout so we can credit the partner
organization that referred you. Our hosting provider, Vercel, keeps standard server logs
for security and reliability.
If you send us a message through the contact form, it is stored with Supabase and delivered to our support inbox by our email provider, Resend. We use AI tools to help sort and draft replies to support email; a person is responsible for what we send back. Please don't put financial details or passwords in a message.
9. What we never do
- We do not sell your personal or financial data.
- We do not share your data with advertising networks or data brokers.
- We do not build advertising profiles from your finances.
- We do not request your bank login credentials.
- We do not use your financial data to train AI models.
10. Your rights
Depending on where you live, you may have the right to access, correct, export or delete your personal data, and to object to or restrict certain processing. To exercise any of these, contact us. You can also export your data directly from inside the app at any time, as CSV or a full JSON export.
11. Security
Data in transit between the app, this website and our providers is protected with HTTPS. Cloud data is stored under your account with row-level access controls. No system is perfectly secure, but the local-first design means most of your data never leaves your computer in the first place, and Private mode keeps all of it there.
12. Children
Oakfold is not directed at children under 13 (or the minimum age in your jurisdiction), and we do not knowingly collect their personal data.
13. Changes to this policy
We will update this page when our practices change and revise the "last updated" date above. Material changes will also be announced by email or in the app.
14. Contact
Questions about this policy: send us a message, or write to Oakfold, 7108 Delight Dr, Taylors, SC 29687, United States.