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In the Lock tab, turn the lock on and choose the apps that tempt you to spend. When your limit for the day (or the month) is used up, those apps show a block screen. It lifts by itself the next day or month. You can always tap "Take a breath" to open one after a short pause, unless you turned on Strict mode (Pro).

Yes. It's Apple's permission for apps that limit other apps. Savings Lock only gets opaque tokens for the apps you pick: it can't see which apps they are or what you do in them. If you said no, open the Lock tab and tap the button again, or check iPhone Settings → Screen Time → Apps With Screen Time Access.

On the block screen, tap "Take a breath", then follow the notification back into Savings Lock. After the pause you can choose to open the app for a few minutes. Turning the lock off in the Lock tab lifts it at once (in Strict mode, only when the budget is no longer the reason).

No. Savings Lock never connects to banks, cards or payment services, and it never holds or moves money. You type in what you spend and save.

If you're signed in to iCloud, a copy of your records is saved automatically and offered back the first time you open Savings Lock on the new iPhone. You can also save a backup file in Settings and open it on the new phone.

Restore: Settings in the app → Restore purchases (same Apple ID). Cancel a subscription: iPhone Settings → your name → Subscriptions → Savings Lock. A lifetime purchase never renews.

Delete the app: everything it stored on the iPhone goes with it, and its lock is removed. To remove the iCloud copy, turn off iCloud for Savings Lock in iPhone Settings → your name → iCloud.