[Atomic2Mod]

Been using it & SpbFinance for years. You are really not transmitting anything over the phone at all. You don't need to provide any detrimental info to the program to use it (no bank info, no acct. #s), just your balances.

You can set it up to sync with MSMoney (and Quicken I believe) and that's the only time the info gets off your phone - but only as far as your pc.

I don't even put relevant info on my MSMoney and I don't use the online features they provide. don't need it.

Hope this helps.

BTW: Both my spouse & I use these programs on our pdas and sync them - so we always know how much we have in the acct. The quick Entry screens are a breeze to use while at the store!!!