Privacy Policy

APP Name: CostScope

1. Introduction

This Privacy Policy explains how CostScope ("the App," "we," "us") collects, uses, and protects your information. CostScope is a personal loan cost analysis tool designed for users in the Philippines. By using this App, you agree to the practices described in this policy.

Effective Date: August 26, 2026

CostScope is committed to protecting your privacy. The App is designed as a fully offline, on-device tool — your financial data never leaves your phone.

2. Information We Collect

CostScope collects and processes the following types of information, all stored locally on your device:

Information You Provide:

• Loan details (lender names, principal amounts, interest rates, loan terms, fees, repayment status)

• Monthly income amount (for burden ratio calculation)

• Photographs of loan documents and payment receipts (stored in Document Vault)

• Custom calendar events and notes

• Approximate coordinates of where a document was photographed — only if you switch on Location Stamping, which is off by default

Information Collected Automatically:

• Device advertising identifier (IDFA) — collected only with your explicit consent via Apple's App Tracking Transparency (ATT) prompt

Information We Do NOT Collect:

• Real names, email addresses, phone numbers, or government IDs

• Bank account numbers or credit card details

• Continuous or background location — CostScope only ever reads a single coarse position, in the foreground, at the moment you photograph a document, and only with Location Stamping switched on

• Street addresses derived from your location — coordinates are never reverse-geocoded, because that would require a network request

• Contacts, call logs, or messages

• Browsing history or app usage from other apps

3. How We Use Your Information

• Loan details — To calculate true Effective Interest Rate (EIR), total loan cost, Rip-Off Index, repayment strategies, and generate cost reports — all computed on-device

• Monthly income — To calculate your monthly burden ratio (total monthly payments ÷ income) — computed on-device

• Document photographs — To store loan contracts and payment receipts locally for your personal reference

• Document location stamp — To record which branch or office you signed a contract at, so you can tell one lender's paperwork from another's — stored on-device, opt-in, removable at any time

• IDFA — For anonymized advertising attribution measurement only, if you consent

All calculations and data processing occur entirely on your device. No data is transmitted to any server.

4. Permissions and Their Purpose

• Camera

  • Purpose: To photograph loan contracts, payment receipts, and collection screenshots for safekeeping in the Document Vault feature

  • When requested: Only when you first tap the camera button in Document Vault

• Location (When In Use)

  • Purpose: To stamp a document with the approximate place you photographed it, so you can tell which branch or office a contract came from

  • When requested: Only when you switch on Location Stamping — never at startup, and never in the background

• App Tracking Transparency (IDFA)

  • Purpose: For anonymized advertising attribution measurement

  • When requested: At first app launch, via Apple's standard ATT prompt

Permission Request Approach:

• Permissions are requested only when you first use the related feature, not at app startup

• The system prompt is the only prompt: CostScope does not put its own dialog in front of an iOS permission request

• You can deny any permission without affecting other App features

• Camera denial only prevents the photo capture feature; all other features remain fully functional

• Location Stamping is off by default. Denying or never enabling it changes nothing else in the App

• IDFA denial has no impact on any App feature

About Location Stamping specifically:

• Off until you turn it on, in Settings or on the capture screen

• Reduced (coarse) accuracy is requested — enough to identify a branch, not a desk

• One reading per document, taken in the foreground while you are saving that document. No tracking, no background updates, no location history

• Coordinates are stored in the same encrypted on-device database as everything else, and are never converted into a street address

• You can remove the stamp from a single document, or wipe every saved location at once, from Settings > Location stamping

5. Data Storage and Security

Local-Only Storage:

• All your data is stored exclusively on your device in the App's private sandbox

• No data is uploaded to any server, cloud service, or third-party platform

• No internet connection is required to use this App

Security Measures:

• SQLite database encrypted using industry-standard encryption

• Document photographs stored within the App's iOS sandbox (inaccessible to other apps)

• No network communication — the App makes zero outbound network requests for data transmission

• No third-party analytics, crash reporting, or data collection SDKs are integrated

Data Persistence:

• Your data persists until you manually delete it within the App

• Uninstalling the App permanently deletes all stored data

• iOS backups (iCloud/iTunes) may include App data per your device backup settings

6. Information Sharing and Disclosure

We do NOT share your data with any third party. Specifically:

• No data is sent to servers (ours or anyone else's)

• No data is sold, rented, or traded

• No data is shared with advertisers, analytics providers, or data brokers

• No data is accessible to other apps on your device

The only way your data leaves the App is if you explicitly choose to export a PDF report or CSV file using the App's export feature and then share it via your device's share sheet. This is entirely user-initiated and under your control.

7. Your Rights

As a CostScope user, you have the following rights regarding your data:

• Access: View all your stored data directly within the App at any time

• Export: Export your complete loan data as PDF or CSV via the App's export feature

• Modification: Edit or update any loan record, income setting, or document at any time

• Deletion: Delete individual loans, documents, or all data from within the App

• Complete Removal: Uninstall the App to permanently and irrecoverably delete all data

Since all data is local-only, exercising these rights requires no request to us — you have full, immediate control.

8. Cookies and Tracking Technologies

CostScope does not use:

• Cookies

• Web beacons or pixels

• Fingerprinting techniques

• Any form of cross-app or cross-site tracking

• Any analytics SDKs

The App Tracking Transparency (IDFA) permission, if granted, is used solely for anonymized advertising attribution and does not enable any form of user profiling or behavioral tracking within the App.

9. Protection of Minors

CostScope is intended for users aged 18 and above who have borrowing experience or are considering borrowing. The App:

• Does not knowingly collect data from users under 18

• Does not contain content directed at children

• Does not offer any features designed for minors

If you believe a minor has used this App, please note that no personal identifying information is collected regardless of the user's age, and all data can be deleted by uninstalling the App.

10. Policy Updates

We may update this Privacy Policy from time to time. When we do:

• The updated policy will be available within the App (Settings > Privacy Policy)

• The "Effective Date" at the top will be updated to reflect the latest revision

• Continued use of the App after an update constitutes acceptance of the revised policy

Since the App collects no contact information, we cannot send individual notifications of policy changes. We encourage you to review this policy periodically.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data:

• Email: info@elitetech.bond

• Response Time: Within 7 business days

Since CostScope stores all data locally on your device and makes no network connections, most privacy concerns can be resolved by you directly (deleting data, revoking permissions, or uninstalling the App).