Privacy & Data Management

Go to Settings → Data & Privacy and use Export Data. The file downloads straight to your device - nothing is emailed and there is no waiting period.

The export is a CSV of your transactions, with columns for name, date, amount, currency, category, account, type and notes. It covers all three sources - manual, synced and imported - and leaves out anything you have deleted or that has been flagged as a duplicate.

A deleted transaction moves to Recently Deleted rather than disappearing, and is kept for 30 days. You can restore individual ones or empty the trash to remove everything permanently.

That now includes rows you delete in a multi-select: a synced transaction removed in bulk goes to Recently Deleted like any other. The one thing that never lands there is an imported row - deleting one of those removes it outright. Full rules in Trash & Restore.

The Data Maintenance card holds two tools for when something looks wrong rather than for routine use:

• Force Refresh App - clears the local cache and reloads everything from the server. Try this first when a figure looks stale.
• Recalculate Snapshots - rebuilds budget or net worth data when the numbers appear out of sync with the transactions behind them.

A separate Review Duplicates card scans for duplicate transactions and lets you review and remove them. It is also where duplicates hidden by a CSV import stay reviewable. See Importing Transactions.

Privacy mode masks every amount on screen with dots, for using Cadence Money in public. It is the eye button in the app header rather than a setting here, so it is one tap from anywhere. See Privacy Mode.

Your data is never held hostage. Sign in as normal - the sign-in screen itself is unchanged. What you land on instead of the app is a short page saying the account has no active subscription, and on it is a link reading Manage account, export, or delete your data.

The plan pages carry the same route under a different name. If you are being asked to pick a plan rather than told your subscription has lapsed, look for Manage or Delete Your Account below the plans. Both links go to the same page, and it works without an active subscription.

From there you can:

• Export your transactions to CSV.
• Manage or restart billing.
• Delete your account.

Account deletion lives in Settings → Data & Privacy → Delete Account. You will be asked to type your email address to confirm, and the action is called Schedule deletion rather than Delete, because it is not immediate.

You also have to prove you are the account holder right now, not just that you are signed in. Type your password into the box below the email field - or, if you have set up biometric unlock, leave that box empty and confirm with Face ID, Touch ID or your fingerprint instead, which is what the hint under it offers. Without one of the two, the button stays disabled and the request is refused by the server.

What happens when you confirm:

1. Your bank connections are disconnected straight away.
2. Your data is kept, and permanent deletion is scheduled for 30 days later.
3. At any point in those 30 days you can bring the account back: sign in, open the account page, and choose Restore my account.
4. After 30 days everything is permanently deleted and cannot be recovered.

If you would rather not wait, the same page offers Delete permanently now, which skips the 30 days. That one really is irreversible.