Dad Bank

Effective date: September 13, 2026 (updated September 29, 2026)

Publisher: WristSkill Labs, LLC

Contact: [email protected]

The short version

Dad Bank has no accounts and no servers. Your family's information lives on your phone, and copies go only where you send them. WristSkill Labs never receives your family's data, so we can't see it, sell it, or lose it.

What the app keeps on your phone

• Your family name and the name you go by
• For each kid: the first name (or whatever you type), an emoji picture, and a kid code
• Each kid's savings goal: what they're saving for, an emoji picture they pick from a built-in set, and a price
• A scrambled (hashed) version of each kid's PIN, and of a parent passcode if you set one
• Every ledger entry: amount, description and date
• Allowance, interest and borrowing settings, cash-out requests and their notes, tasks with their rewards and done dates, and what-if plans
• A signing key the app uses to prove entries came from your phone
• Whether you bought Dad Bank Plus, whether task reminders are on, and when backups and syncs last ran

It sits in the app's private storage on your phone, protected by your phone's own encryption.

Where copies go, and who controls them

Your iCloud Drive (iPhone). If automatic iCloud backup is on, the app saves a backup to a Dad Bank folder in your own iCloud Drive after changes, plus one copy per month. Apple stores it under your Apple Account; we can't see it. You can turn this off in Dad Bank → Settings.

Files you choose to save. A backup file or spreadsheet you export goes wherever you send it.

Your phone's own backups. Your iPhone's iCloud or computer backup, or Android's backup to your Google account, may include the app's storage.