Your financial data stays with you.

KAPOK is designed so your imported financial data stays in the browser on the device where you use it unless you deliberately choose to move it.

What happens when you import a file?

Your bank transaction file is read and processed in your browser. KAPOK does not need your online-banking username or password to analyze the export.

KAPOK has no financial-data server

KAPOK does not rely on a KAPOK server to receive and analyze your transaction history. Your working data is stored locally in the browser.

What leaves your device?

Your transaction data is not automatically uploaded by KAPOK. If you deliberately copy information into another service—for example, using an optional KAPOK-generated prompt with an outside AI assistant—that information is then subject to that service's privacy practices.

Launch notification email

If you choose to enter your email address to be notified when KAPOK launches, that email address is handled by the third-party email service used for launch notifications. This is separate from KAPOK’s financial-data processing. Your financial data is not sent to that service.

Backups are your responsibility

Local browser storage can be cleared or lost. KAPOK provides backup/export tools so you can preserve your work. A backup contains financial information, so store and transfer it with the same care you would use for other financial records.

Moving between devices

A KAPOK backup can be saved somewhere you control and loaded into KAPOK on another device. That portability is intentional: your working financial dataset should not depend on a KAPOK account.