Question 1

Which iPhone do I need?

Accepted Answer

An iPhone 15 Pro or later running iOS 26 with Apple Intelligence turned on. The model must be available on the device itself.

Question 2

Is chat processed on my iPhone?

Accepted Answer

No. Chat still uses the cloud because it needs tools and context that the iPhone model cannot provide with the same reliability. Your question leaves sanitised, uses aggregated data and read-only tools, and Aurio tells you.

Question 3

What happens on Android and the web?

Accepted Answer

They do not have private mode. AI features continue to use the cloud with aggregated, tokenised and sanitised data. On-device processing will not be offered on the web.

Question 4

Does private mode use my AI quota?

Accepted Answer

No. The suggested category for an expense added by hand and the summary generated on the iPhone do not use up your quota. Chat and features that remain in the cloud do count according to your plan.

Question 5

Do you store my conversations?

Accepted Answer

Not on the server. Your chat history lives only on your device; Aurio does not create a central archive of your conversations.

Question 6

What happens when Aurio reads an invoice?

Accepted Answer

The full image or PDF is uploaded because reading the document is the point. On saving, the tax ID and supplier are tokenised; the image is discarded unless you ask to keep it. Batch drafts are encrypted and expire.

Question 7

Where are large batches processed?

Accepted Answer

No. Large batches are still classified on the server because doing it on the iPhone would be slow and drain the battery. The raw bank description is not sent to the classifier, and Bizum/P2P payments do not create a merchant.

Question 8

Is Aurio an accountancy firm?

Accepted Answer

No. Aurio is an informational tool: it calculates estimates, does not issue invoices, does not file forms with the Spanish tax authority and does not move money. Bank connections are read-only.

Feature	What leaves your account	What is protected	What is stored
“Ask your finances” chat Cloud	Sanitised question, totals, categories and summarised context.	Hides identifiers; scoped read-only access with no transactions.	Chat is stored only on your device.
Quick entry by text Cloud if needed	Sanitised phrase if the automatic reader fails.	No account data travels with it.	Only prefills the form.
Transaction classification Imports	Cleaned-up, sanitised merchant name.	No raw description, amount, counterparty or P2P payment.	A suggested, correctable category.
Importing a PDF statement Documented exception	Full PDF only when reading without AI fails.	Tries without AI first, then discards it.	Only confirmed transactions, encrypted and tokenised.
Reading invoices, receipts and item splits Full document	Full image or PDF so it can be read.	Tokenises tax ID and supplier; discards the image by default.	Encrypted draft: 24 hours, or 7 days from Drive.
Memory (semantic search) Cloud	Summaries without identifiers and cleaned-up merchants.	No raw bank descriptions or person-to-person payments.	Vectors and sanitised text in your account.
Monthly and yearly summary Cloud or fallback	Income and spending aggregated in euros and by category.	No merchant or counterparty names.	Period narrative in your account.
Ideas (premium) Cloud	Sanitised codes and metrics, with no free text.	No names or identifiers; the answer is filtered.	Idea text in your account.

What AI sees. What stays on your iPhone.

Two features stay on your iPhone

Suggested category for an expense you add

Monthly summary

“Ask your finances” chat

Large imports

What leaves. What is protected. What stays.

How a piece of data travels

An IBAN becomes a label

A merchant is stored as a token

The raw bank description never leaves for the classifier; Bizum and P2P never create a merchant

The uncomfortable row: reading an invoice uploads the whole image

Chat conversations live only on your device

The limits of private mode

Before turning on private mode

Check before you trust

What AI sees. What stays on your iPhone.

Two features stay on your iPhone

Suggested category for an expense you add

Details

Monthly summary

Details

“Ask your finances” chat

Details

Large imports

Details

Where your finances are stored

What leaves. What is protected. What stays.

“Ask your finances” chatCloud

Quick entry by textCloud if needed

Transaction classificationImports

Importing a PDF statementDocumented exception

Reading invoices, receipts and item splitsFull document

Memory (semantic search)Cloud

Monthly and yearly summaryCloud or fallback

Ideas (premium)Cloud

How a piece of data travels

An IBAN becomes a label

A merchant is stored as a token

The raw bank description never leaves for the classifier; Bizum and P2P never create a merchant

The uncomfortable row: reading an invoice uploads the whole image

Chat conversations live only on your device

The limits of private mode

iPhone requirements

No private mode on the web

Sanitisation limits

Before turning on private mode

Which iPhone do I need?

Is chat processed on my iPhone?

What happens on Android and the web?

Does private mode use my AI quota?

Do you store my conversations?

What happens when Aurio reads an invoice?

Where are large batches processed?

Is Aurio an accountancy firm?

Check before you trust