No bank connection required
Your budget can be built from receipts, categories, and plans without asking for bank credentials.
Security & permissions
Your receipts. Your rules.
Captain Frugal builds your budget from receipts and plans you choose to add — no bank login required. Here’s the practical permission and security picture.
Trust first
Safe by default.
Six commitments that shape how Captain Frugal is built.
You review every scan
Automated receipt reading can be wrong, so review and correction stay part of the flow.
Permissions only when needed
Camera, photo, and file access are requested only when you use the related feature — scanning, picking, or importing a receipt.
Protected sign-in
Account access uses platform authentication and service-side checks designed to keep user and household data separated.
Delete your account anytime
Start deletion right in the app, or contact support if you can’t sign in. See account deletion for what it covers.
Opt-in analytics only
Analytics events run only after you say yes — consent-based, aggregate, and no ad cookies. Read the cookie and analytics notice.
The fine print
The full details.
The main app permissions and security choices, in plain language.
Last updated: June 29, 2026
Captain Frugal is built for receipt-aware budgeting without making bank linking a requirement. This page explains the main app permissions and security choices in plain language.
Receipt photos and files
When you scan, upload, or import a receipt, Captain Frugal uses the file to help create and review a receipt record. Receipt records may include details extracted from the receipt and choices you confirm in the app.
Camera, photos, and file access
- Camera access is used when you choose to scan a receipt.
- Photo library access is used when you choose a receipt image from your device.
- File access is used when you choose to upload or import a receipt file, such as an image or PDF.
- Captain Frugal should only request these permissions when the related feature needs them.
Automated receipt reading
Automated or AI-assisted receipt reading helps extract details from receipt files. Extracted details can be wrong or incomplete, so the app is designed to keep review and correction available to you. Automated receipt reading is not financial, tax, accounting, legal, investment, or credit advice.
Receipt category suggestions
Receipt category suggestions may use your existing app history and optional assistance where enabled. Suggestions are meant to help with review, not to make final decisions for you. They should be checked before they become part of your records.
Account authentication
Captain Frugal uses platform authentication and service-side access controls to help keep accounts and household data separated from other users.
No bank connection required
The receipt-aware budgeting flow does not require connecting a bank account. The app focuses on information you choose to add, review, and organize.
Account deletion
You can start account deletion in the app where available, or contact support if you cannot access your account. See Account deletion for details about what deletion covers and what may need to be retained.
Support and privacy
For privacy rights, retention, service providers, analytics consent, and receipt data details, read the Privacy Policy, Cookie and Analytics Notice, and Subprocessors and Transfers page. For app issues or access problems, contact support.