Onboarding

First Launch

When you first open Acclo IQ, the app automatically seeds your database with:

• 16 default categories (Restaurants, Groceries, Utilities, etc.)
• 74 subcategories with flow types (expense, income, transfer)
• 560+ merchants with category mappings
• 560+ regex rules for auto-categorization
• Built-in format profiles for major banks

Step-by-Step Setup

1. Create Your First Account

Navigate to Settings > Accounts and click “Add Account”:

• Name — A label for your account (e.g., “Chase Checking”)
• Account Type — Checking, Savings, Credit Card, Investment, Cash, Loan, or Money Market
• Format Profile — Select your bank’s CSV format (or create a custom one later)

2. Import Transactions

Go to the Import page:

1. Select the account you just created
2. Upload a CSV export from your bank
3. The app will parse, deduplicate, and auto-categorize every transaction
4. Review the results and confirm the import

3. Review Categories

Check the Transactions page to see how the rule engine categorized your transactions. If something is miscategorized:

• Click the transaction to open the detail panel
• Change the category/subcategory manually
• Consider creating or updating a rule on the Rules page for future imports

4. Set Up Budgets (Optional)

Go to Budget > Setup to create monthly spending targets by category or subcategory.

Telemetry Choice

During onboarding, you’ll see a checkbox for anonymous telemetry. This is:

• Checked by default (opt-out model)
• Anonymous with fresh random IDs per event
• One daily heartbeat with bucketed usage data
• Can be changed anytime in Settings > Privacy

See the telemetry transparency page for full details.