❓ Frequently Asked Questions

💰 Pricing & Plans

Is there a free trial?

Yes! Every premium plan includes a one-time 30-day free trial with full access to all features. You can cancel anytime during the trial with zero charge.

What is your refund policy?

Because we offer a generous risk-free 30-day trial, subscriptions are non-refundable once billed. You can cancel anytime, and downgrades apply at the end of your billing cycle.

📱 Android Mobile App

Do you have a native mobile app?

Yes! We have a native Android Mobile App featuring Biometric app lock (fingerprint/face unlock), automatic bank push notification & SMS alert ingestion, hands-free voice commands, and hardware-accelerated interactive charts. Download directly from Mobile App Guide.

How does bank push notification and SMS alert ingestion work?

When enabled on your Android phone, the app captures notifications and SMS alerts sent by whitelisted banking apps, SMS sender IDs, or Google Wallet when you make a payment. It processes all text 100% locally on-device, automatically rejects OTPs and security codes, extracts the amount and merchant, categorizes the transaction, and updates your ledger instantly without sending sensitive message data to any cloud servers.

🔒 Security & Data Privacy

Do you connect to my bank account via Open Banking?

No! We deliberately do not require third-party bank screen-scraping or direct bank logins. You maintain 100% custody of your banking credentials. Ingestion occurs via official statement uploads, Magic Drop folder sync, or on-device push alerts.

How is my financial data protected?

• ✅ Bank-Grade Encryption: All data in transit uses TLS 1.3 (HTTPS) and sensitive records/passwords are encrypted at rest with AES-256.
• ✅ Enterprise Infrastructure: Application servers on Render (SOC 2), serverless database on Neon PostgreSQL, file storage on Cloudflare R2.
• ✅ No Data Selling: We never sell, rent, or monetize your financial data.
• ✅ GDPR Compliant: Complete self-service account and data deletion at any time.

🤖 Vision AI & Deep Document Parsing

What AI technology processes statements?

We use state-of-the-art Google Gemini Vision AI models on Google Cloud's enterprise API tier. Under Google's enterprise API terms, customer data is never stored or used to train public models.

Can it handle multi-account statements?

Yes. If a bank PDF contains multiple accounts (such as a checking account and a linked ISA or savings account), our parser identifies each sub-account and splits transactions cleanly into separate accounts.

🏡 Mortgages & Investments

How does the mortgage interest rate solver work?

When you link bank repayments to a mortgage account, the system uses dynamic amortization. If your monthly debit payment changes due to a rate adjustment, our binary search solver calculates the exact new annual interest rate from your balance, remaining term, and payment amount.

How are investment and pension returns calculated?

Pensions derive return performance directly from total cumulative net contributions versus current statement valuation truth, avoiding false performance distortions.

👨‍👩‍👧‍👦 Family Sharing

Can family members see each other's accounts?

Yes. Family Budget Tracker is built on a complete transparency model designed to foster open family financial discussions. All members share visibility into total household income, expenses, and savings goals, while retaining the ability to filter views by individual member.

🆘 Support & Help

Need help or found an edge case with your bank statement? Email us at support@getdigraw.com. We respond to all inquiries within 24 hours.