Privacy

Who operates Hame

Hame is developed and operated by AMCI Dev. AMCI Dev is the data controller for the personal information described in this notice.

For privacy questions or requests, email hello@hame.app.

Information Hame keeps

• Account information: your name, email address, Supabase authentication identifier, email verification status and a one-way password hash. Hame cannot read your password. If you turn on two-step login, Supabase also keeps the secret key shared with your authenticator app. Hame also keeps your account’s role and when it ends, if it does. A role lets you read more bills, such as when you test Hame or are given Premium.
• Home information: your full address, household membership and who created the household, and, if you add them, your home’s name and how many adults live there and bedrooms it has. If you track broadband, Hame also keeps which of Ofcom’s address records is your home, its Unique Property Reference Number.
• Outgoing and mortgage information: names, lender, repayment and rate types, balances, payment amounts and dates, interest rate, term, estimated property value and any early repayment charge notes you add. If you add them, also each part of the mortgage with its own balance, rate and term, a tracker’s margin over Bank Rate, the rate after your deal, the early repayment charge for each year of your deal, when a deal without a fix ends, how much you can overpay each year and have overpaid, and any equity loan or shared ownership share.
• Council tax information, if you choose to track it: your council, band, any discount and what it takes off, the amount for the year, how and when you pay it, and each year’s bill. If you fill it in from a bill, also the full charge for your band and what each part of it pays for, such as the county council or the police. If your payments change part way through a year, such as when one comes back, also what was left to pay, when the next payment was due and which payment came back. Each council tax bill you add is kept as its history: the year it’s for, the date it was issued, the reason the council gives for it, the band, the full charge, any discount, the amount for the year, any payments it shows as already made, and its instalments. You can take any bill out of the history.
• Broadband information, if you choose to track it: your provider, package, connection type, what it is bundled with, speeds, monthly price, any discounts on your bill and when they end, payment day, contract start and length, the price after the contract ends and any price rises in your contract.
• Water information, if you choose to track it: your water and sewerage companies, whether you have a meter, the amount for each year you have entered or confirmed, how much of it is water supply if you add it, how and when you pay it, and, for a metered home, the monthly payment, when it starts and the date of its bill, and, if you add it, how much water you use, from your bill or from meter readings and their dates.
• Energy information, if you choose to track it: your electricity region, whether you have gas, your supplier or suppliers, your direct debits and their payment days, how much gas and electricity you use in a year and where that figure came from, how your home is heated and, if Hame found one, your energy performance certificate number and floor area. If you add them, also each fuel’s tariff, whether it is fixed, its rates, when it ends and its exit fee, and from each statement the dates it covers, the gas or electricity used, what it cost, whether the meter reading was estimated and what was used at the same time the year before.
• Rent information, if you choose to track it: the amount, how often you pay, a date a payment falls on, who you rent from, when your tenancy started, any fixed term and break date, when the rent last went up and what it was before, your deposit and the scheme protecting it, and which bills come with your rent.
• Your landlord or letting agent’s name, email and phone number, if you add them. Only add these if your landlord or agent has given them to you to contact them. Hame uses them only to help you email or call them from your phone, and never contacts them itself.
• Mobile phone information, if you choose to track it, for each phone: the name you give it, the network, plan and data allowance, the monthly price of the plan, any discounts and when they end, payment day, contract start and length, the price after the contract ends, any price rises in your contract, and, if you are paying off a phone, its model, the monthly payment for it, when that started, how many months it runs and anything paid upfront. Hame never asks for or keeps your phone number.
• Loan and finance information, if you choose to track it, for each one: the name you give it, the kind (a personal loan, car finance, retail finance or buy now, pay later), who it is with, what was bought, each payment and how often, the first payment and how many there are, a first or last payment that differs from the rest, the amount borrowed, any deposit, the APR, any interest-free period and the rate after it, for PCP car finance the final payment, and any lump sums you pay off early, with when you paid them and any lower payment your lender set after. For retail finance, whether it’s yours or your home’s. Hame never asks for or keeps your account or agreement number.
• Credit card information, if you choose to track it, for each card: the name you give it, who it is from, what is owed on purchases and the date of that balance, the purchase APR, the credit limit if you add it, any balance transfer with its rate and when that rate ends, whether you pay the minimum, a set amount or the whole balance, and your payment day. If you fill it in from a statement, also each statement’s date, balance, minimum payment, interest charged and due date. Hame never asks for or keeps your card number.
• TV licence information, if you choose to track it: whether your home needs a licence, whether you have one, any concession, when it runs out, how and on what day you pay, whether it is your first licence and, if you don’t need one, the date you told Hame you had told TV Licensing. Hame never keeps your licence number. TV licence fees come from TV Licensing’s published prices and are stored in Hame’s own database.
• Home value information, if you choose to track it: the type of home, the price paid, when it was bought and whether that came from HM Land Registry or from you.
• Record information: when your account, household and records were created or last updated.
• Error reports: if something in Hame goes wrong, Hame shows a message where it can and sends a report to Sentry so it can be fixed: the error message, where in Hame’s code it happened, which screen it was on (without the ids of your records), Hame’s version, your phone’s make, model and operating system version, and when. If Hame closes because of an error, the report is sent the next time you open it. Reports are not linked to your account or household, and Hame does not send your name, email address or figures with them, though an error message could occasionally include a figure or name from the screen.
• On-device information: your signed-in session, kept in your phone’s secure storage, whether you unlock Hame with biometrics, your appearance choice (light, dark, or day and night, which works out London’s sunrise and sunset on your phone and never asks for your location), which dashboard Hame opens on and what its amounts cover, such as a month, your notification settings, and the reminders Hame schedules on your phone, such as when a broadband, mobile or fixed energy deal ends, a phone or loan is paid off, a credit card payment is due, or an interest-free period is ending, a new water or council tax bill is due or your TV licence renews. Reminders are set and shown by your phone; Hame does not use a push notification service. Your phone checks your biometrics itself; Hame never receives or stores biometric data.
• Limited technical information: services Hame contacts may receive an IP address, request details and operational or security logs.

Where the information comes from

Most information comes directly from you. A person who shares your Hame household may also add or update information about that household. postcodes.io returns town and county information for a postcode you enter.

If you choose to track your home’s value and live in England or Wales, Hame looks up the most recent sale of your address in HM Land Registry’s public price paid records and asks you to confirm it.

How and why Hame uses it

AMCI Dev uses the information needed to create and secure your account, identify your household, show what your home costs and track those costs over time. This processing is necessary to provide the Hame service you ask for.

Limited technical information may be used to keep Hame secure and reliable, prevent misuse and diagnose faults. AMCI Dev has a legitimate interest in operating and protecting the service.

Your name, email and address are required to create the current type of Hame account. Mortgage details are optional until you choose to track a mortgage.

Future comparisons and applications

Hame does not currently use your information to recommend products, find tariffs or deals, or submit applications to lenders, utility companies or other providers.

If you track a mortgage, Hame shows the Bank of England’s average quoted rates next to your own, follows Bank Rate for a tracker, and uses the Bank’s average standard variable rate when you haven’t added the rate after your deal. On your mortgage, it also shows your home’s energy rating from its energy performance certificate and, in England and Wales, the latest sales of homes like yours in your postcode from HM Land Registry’s public price paid records. It does not recommend a lender or deal.

If you track broadband on its own, Hame shows Ofcom’s average price for its speed next to your own. It does not recommend a provider or deal.

If you track water, Hame shows your water company’s average bill next to your own, and links to the Consumer Council for Water’s meter calculator and help with bills. It does not send your details to either.

If you track council tax, Hame uses how many adults live in your home, from Your house, to show the single person discount, ask you to check for it, or remind you that it stops when another adult moves in. If Your house does not say, Hame asks when you set up council tax and keeps the answer in Your house. If you bought your home, or your tenancy started, during the tax year, Hame uses that date to suggest a shorter first bill. It links to GOV.UK, mygov.scot or the Scottish Assessors for discounts and bands, and does not send your details to them.

If AMCI Dev introduces any of these features, this notice will be updated before the new use begins. Hame will explain what information would be used or shared and ask for your approval before submitting anything on your behalf.

Shared households

People who share a Hame household can see and change its address and the bills on its home dashboard, such as mortgage or rent, council tax, broadband, energy, water and TV licence details, and any retail finance you say is your home’s. Do not add information you are not comfortable sharing with every member of that household.

Your own bills, such as mobiles, credit cards and loans other than your home’s retail finance, are on your own dashboard. It belongs to you alone and is never shared with the household.

Services Hame uses

Supabase provides authentication, database hosting, server functions and account emails, which are sent through Resend. Hame’s primary database is configured for London.

When you sign up, log in or reset your password, Cloudflare Turnstile checks that a person rather than a bot is asking. Cloudflare receives ordinary browser and network information such as your IP address to do this.

Hame’s website, hame.app, is hosted by Vercel, which receives ordinary browser and network information such as your IP address when you visit. The website does not use cookies for advertising or analytics.

If you ask to join Hame’s closed test on hame.app, Cloudflare Turnstile checks that a person is asking, and the Google account email you enter is sent through Resend as an email to AMCI Dev. AMCI Dev uses it only to add you as a tester on Google Play and to write to you about the test, and deletes it when you ask.

When you enter a valid postcode, Hame sends that postcode to postcodes.io to suggest a town and county. Because this is a direct internet request, postcodes.io also receives ordinary network information such as your IP address.

Only if you choose to track your home’s value or a mortgage, Hame sends your postcode to postcodes.io to find your council area, and asks HM Land Registry for local house prices in that area. In England and Wales it also sends your postcode to HM Land Registry to find your address’s last sale and the latest sales of homes like yours. These are direct requests from your device, so they also receive your IP address. Your name and the rest of your address are not sent.

Only if you choose to track council tax, Hame sends your postcode to postcodes.io to find your council and parish, then reads their published Band D charges from Hame’s own database. Your band, discount and bill are not sent anywhere else.

Only if you choose to track water, Hame sends your postcode to postcodes.io to find its map position, then looks that position up on Ofwat’s water company maps in Hame’s own database. Your bill and the rest of your address are not sent anywhere else.

Only if you choose to track rent, Hame sends your postcode to postcodes.io to find which of the UK’s four nations your home is in, so it can show the renting rules there. Your rent, deposit and landlord’s details are not sent anywhere else.

Only if you choose to track broadband, Hame’s server sends your postcode to Ofcom’s Connected Nations service to find the predicted broadband speeds for every address in it. Ofcom receives only the postcode, from Hame’s server, so it does not learn who asked or which address is yours.

Only if you choose to fill a form in from a bill, Hame reads the photo, screenshot or PDF on your phone, and keeps only the lines with prices, dates, speeds, energy or water used or what your deal or bill is. This works for broadband, mobile, water and council tax bills, council tax online account pages, credit agreements and loan statements, credit card statements, gas and electricity statements and quotes, tenancy agreements, mortgage statements, and TV licences and letters from TV Licensing. If you upload a document from Add an outgoing, the same lines are first used to work out which of these it is. It leaves out lines that look like your name, address, account, card, meter, supply or reference numbers, the end of a bank account or card number, email or phone number, your TV licence number, or lines naming who a tenancy agreement is between or who signed it, and takes your street, town and name out of any line it keeps. You can choose up to five council tax bills at once, and each is read the same way. Those lines go through Hame’s server to OpenAI to be read, and the answers fill in the form for you to check, or, for an uploaded gas or electricity statement that only adds how much you used, are kept as your energy history. The photo or file itself never leaves your phone, and Hame deletes its copy straight away. Hame does not keep the lines or the answers. OpenAI does not use them to train its models, but may keep them for up to 30 days to check for abuse before deleting them.

Only if you choose to track energy or a mortgage, Hame sends your postcode and the first two lines of your address to Hame’s server. The server sends only the postcode to Octopus Energy’s public postcode lookup to find your electricity region and, in England and Wales, only the postcode to the government’s energy performance certificate register to list the certificates there. It matches your address to a certificate itself, then asks the register for that certificate by its number. Because these requests come from Hame’s server, neither service receives your name, the rest of your address or your IP address. The server keeps each answer in memory for up to a day, so asking again is quicker.

Water company areas come from Ofwat, licensed under the Open Government Licence v3.0. Average water bills come from Water UK’s published figures and are stored in Hame’s own database.

Council tax and parish figures come from the Ministry of Housing, Communities and Local Government, the Welsh Government and the Scottish Government, licensed under the Open Government Licence v3.0.

Energy price cap rates come from Ofgem’s published figures and are stored in Hame’s own database. Typical energy use figures come from Ofgem.

Average private rents come from the Office for National Statistics’ Price Index of Private Rents, licensed under the Open Government Licence v3.0, and are stored in Hame’s own database. To compare your rent, Hame looks up your council or nation from your postcode with postcodes.io; your rent is not sent anywhere else.

To compare your rate, Hame’s server fetches average rates, Bank Rate and the average standard variable rate from the Bank of England. Nothing about you or your mortgage is sent to the Bank of England; the comparison is worked out in the app.

Average broadband prices come from Ofcom’s published report and are stored in Hame’s own database. Broadband prices © Ofcom, Pricing and consumer engagement 2025. Predicted speeds © Ofcom, Connected Nations.

House price and sale data contains HM Land Registry data © Crown copyright and database right 2026, licensed under the Open Government Licence v3.0.

Sentry, run by Functional Software, Inc. in the United States, receives Hame’s error reports, described above, so problems can be found and fixed. Sentry receives your IP address as part of the connection; Hame’s Sentry project is set not to store it. Reports are kept for up to 90 days.

These providers may use their own subprocessors. Some support, security or operational processing may take place outside the UK under the safeguards in the providers’ data-processing terms.

Hame does not currently use advertising or behavioural analytics services, and uses Sentry only for error reports. AMCI Dev does not sell personal information or share it with lenders or utility companies.

How long information is kept

Account information is kept while your account is active. Home and outgoing information is kept while the household exists in Hame.

When you delete an outgoing, such as a mortgage, council tax, broadband or water, it and all of its details are removed from the live database straight away. It cannot be recovered.

AMCI Dev does not create separate backups. Service providers may keep limited recovery copies and operational or security logs for the periods in their own retention schedules. Information in recovery copies is not used as live account data.

Deleting and resetting

You can delete your account from the Danger zone in Settings. Your live authentication account, profile and household membership are removed.

If you are the only member of your household, its address, outgoings and mortgage information are also removed from the live database. If other members remain, the shared household and its records stay available to them.

The local Hame session is cleared, and so are the reminders Hame scheduled on the phone. An appearance or notification preference may remain on the device until you change it or clear the app’s data.

The Danger zone also lets you reset your account, which removes your home and its outgoings in the same way but keeps your email and password so you can set up a new home. You can delete every outgoing in your home at once, which removes them for everyone who shares it. You can also clear this phone, which logs out and removes what Hame keeps on the device without changing your account.

Your rights

Depending on the circumstances, UK data-protection law gives you rights to access, correct, erase, restrict or object to the use of your information, and to receive a portable copy.

You can download a copy yourself with Download my data in Settings. It is a spreadsheet of what Hame’s database holds about you: your account and profile, your home, and the outgoings in it. It leaves out other members of a shared home. It cannot include the recovery copies and logs kept by the services Hame uses; email to ask about those.

Email hello@hame.app to make a request. You can also complain to the Information Commissioner’s Office at ico.org.uk/make-a-complaint.

Automated decisions and children

Hame does not make automated decisions with legal or similarly significant effects, and it does not profile people.

Hame is intended for adults who own a home or are responsible for its household costs and utilities. It does not ask for a date of birth and is not designed for children.

Changes to this notice

This notice will be updated when Hame changes how it uses personal information. Important changes will be brought to your attention in the app before the new use begins.