Contents
1. Who this covers
This policy explains how the Manticore Finance desktop application ("the app") and this marketing website handle information. It is written for the way the app actually works today; where the app and the website differ, each is addressed separately below.
2. Data stored on your device
Everything you enter into the app — watchlist symbols, portfolio quantities and cost basis, income and expenses, budgets, wallet balances, liabilities, net-worth history, scenarios, and settings — is stored locally on your computer, in your operating system's user-data folder. It is not uploaded to us or to any server we control.
Because there is no cloud copy, you are responsible for your own backups. The app can export a portable backup file at your request; that file is written to a location you choose and is never transmitted anywhere.
3. No account, no telemetry
The app has no sign-up, login, or user account. It does not contain analytics SDKs, advertising trackers, crash-reporting beacons, or any mechanism that reports your usage back to the Licensor. We do not build a profile of you and have nothing to sell to third parties, because we do not collect it in the first place.
4. Third-party market data
To show live prices, charts, currency conversions and market sentiment, the app requests public data directly from third-party providers over the internet. Those requests are made from your device to the provider, and can include the identifiers needed to fulfil them — for example the ticker symbols or coin IDs on your watchlist, and the currency codes you view in. This is the information needed to look up a price; your holding quantities, cost basis, balances and other personal figures are not part of these requests.
- Stocks & ETFs — Yahoo Finance (quotes, search, historical prices, analyst ratings, dividend data).
- Crypto — CoinGecko (prices, search, market charts).
- Currency rates — the Frankfurter API, mirroring European Central Bank reference rates.
- Crypto sentiment reference — the alternative.me Fear & Greed index.
When your device contacts these providers, their own privacy policies and terms apply to those requests (they may, like any web service, log the requesting IP address). We do not control and are not responsible for their practices. The stock/crypto Fear & Greed composite is computed locally on your device — nothing about your portfolio is sent to compute it.
Your own provider key (optional). You can paste your own free CoinGecko Demo API key under Settings → Data providers to raise your rate limit. That key is stored locally with the rest of your data and is sent only on your own requests to CoinGecko, as a request header — never to us. Your relationship with that provider, including their terms, pricing and usage limits, is solely between you and them. Leave it blank to stay on the shared free tier.
Bonds are entered by hand. No free feed prices a bond by ISIN, so bond details are values you type in yourself. They stay on your device and are not sent to any data provider.
5. Licensing — verified offline
Manticore Finance requires a purchased licence key. That key is verified entirely on your own machine using an Ed25519 signature — there is no activation server, no licence check over the network, and nothing that phones home. We receive no telemetry, no install pings and no usage signal when you run the app.
One thing worth knowing: a licence names its buyer, and that name appears in the app's title bar and in the footer of any PDF report it exports. That is deliberate — it makes a leaked copy traceable — so treat your key and your exported reports as identifying you.
6. Encryption & security
You can set a passphrase in the app to encrypt your local data file with AES-256-GCM, using a key derived from your passphrase via the memory-hard scrypt function. With encryption on, the file is unreadable ciphertext without the correct passphrase. There is no recovery mechanism and no backdoor: if you lose the passphrase, the data cannot be recovered by us or anyone else. Please keep it safe and keep backups.
7. This website
This marketing website does not use advertising or cross-site tracking cookies. To render, the page loads a small number of assets from third-party content-delivery networks — web fonts from Google Fonts and a 3D graphics library from a public CDN — and those providers may log the requesting IP address as part of serving the file, as is standard for any hosted asset. Depending on where the site is ultimately hosted, the host may keep standard server access logs. No personal information is requested from you on this site.
8. Children
Manticore Finance is intended for adults managing their own finances and is not directed to children under 16. We do not knowingly collect information from children.
9. Your rights
Because your data stays on your device and we hold no copy of it, you already have full control: you can view, edit, export, or permanently delete all of it directly in the app at any time. If you are in a region with data-protection laws such as the GDPR and you believe we hold any information about you, you may contact us using the details below.
10. Changes to this policy
We may update this policy as the app evolves. Material changes will be reflected here with a revised "last updated" date. Continued use of the app after an update constitutes acceptance of the revised policy.
11. Contact
Questions about privacy? Contact:
Lancelot Vandecasteele — [email protected]