Your letter stays on your phone.

The short version

The K.Actuary app does not ask you to create an account, and it does not ask for your name, email address, phone number, or insurance login. When you take or choose a photo of a letter or an Explanation of Benefits (EOB), the text is read on your phone. The photo and the text are not sent to K.Actuary or to anyone else.

Photos and text

To read a photo, the app uses Google ML Kit text recognition, which runs on your phone. The photo is used only while you are on the reading screen. The app does not upload it, and it clears the photo and its text when you leave that screen or tap “Clear this photo.” The app does not save photos to your gallery.

Camera and photo access

The app asks for camera or photo access only when you tap “Take photo” or “Choose photo.” You can turn this off at any time in your phone’s settings. The rest of the app works without it.

Checklist ticks

When you tick an item on a checklist, that tick is saved only on your phone so it is still there next time. It is never sent to us. Deleting the app removes it.

What is collected

K.Actuary itself collects nothing: no analytics, no advertising, no tracking, and no account. The on-device text reader we use (Google ML Kit) sends Google basic technical diagnostics so it can measure and improve the reader — for example device model, operating-system version, app version, a per-installation identifier, timing and error codes. Google states it does not share this with third parties. It never includes your photo or the text read from it. If you tap a link to our website or to x12.org, that site opens in your browser and its own privacy policy applies.

If you email us

If you write to [email protected], we use your message and address only to reply.

Children

The app is not directed to children under 13.

What the app is not

K.Actuary is an information tool. We are not your insurer, a law firm, or a licensed public adjuster, and we do not file, negotiate, or settle claims.

Changes

If this policy changes, we will update the date below before the new version of the app is released.

K.Actuary · Last updated October 29, 2026.