Privacy Policy:
# Fintrakit Privacy Policy
**Last Updated:** July 15, 2025
**Version:** 1.13
## Introduction
Fintrakit ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your information when you use our financial management application.
## Information We Collect
- ** NONE
### Personal Financial Data
- **Debt Information**: Account balances, interest rates, payment amounts, and debt types
- **Expense Data**: Transaction amounts, categories, dates, and descriptions
- **Income Information**: Salary, bonuses, and other income sources
- **Budget Settings**: Financial goals, spending limits, and preferences
- **Subscription Data**: Trial status, subscription preferences, and payment information
### Device Information
- **Device Type**: iPhone, iPad, or Mac model
- **Operating System**: iOS/macOS version
- **App Version**: Current version of Fintrakit installed
- **Usage Analytics**: App performance and crash reports (if enabled)
### User Preferences
- **Currency Settings**: Preferred currency for financial calculations
- **Notification Preferences**: Payment reminders and budget alerts
- **Display Settings**: Theme preferences and interface customizations
## How We Use Your Information
### Primary Uses
- **Financial Management**: Calculate debt payoff strategies, budget breakdowns, and financial projections
- **Personalization**: Customize the app experience based on your preferences
- **Notifications**: Send payment reminders and budget alerts
- **Subscription Management**: Process trial periods and subscription renewals
### Analytics and Improvement
- **App Performance**: Monitor app stability and performance
- **Feature Development**: Understand usage patterns to improve features
- **Bug Fixes**: Identify and resolve technical issues
## Data Storage and Security
### Local Storage
- **Primary Storage**: All your financial data is stored locally on your device
- **UserDefaults**: Used for app settings and preferences
- **Documents Directory**: Backup files and exported data
- **No Cloud Storage**: We do not store your data on external servers
### Security Measures
- **Device Security**: Relies on your device's built-in security features
- **App Sandboxing**: iOS/macOS app sandbox provides additional protection
- **No Encryption**: Currently, data is not encrypted (see Security Considerations below)
### Data Backup
- **Local Backups**: Automatic backup files stored on your device
- **Export Feature**: Manual data export for additional backup
- **iCloud Integration**: If you choose to store exported files in iCloud
## Data Sharing and Third Parties
### No Data Sharing
- **No Third-Party Sharing**: We do not sell, rent, or share your financial data
- **No Analytics Services**: We do not use third-party analytics that collect personal data
- **No Advertising**: We do not display ads or share data with advertisers
### Required Services
- **Apple Services**: Subscription processing through App Store
- **Payment Processing**: Apple handles all subscription payments
- **Receipt Verification**: Server-side verification of subscription status
## Data Retention and Deletion
### Data Retention
- **Local Storage**: Data remains on your device until you delete the app
- **Backup Files**: Stored until manually deleted or app is removed
- **No Server Retention**: We do not retain data on our servers
### Data Deletion
- **App Deletion**: Removing the app deletes all local data
- **Manual Deletion**: You can delete individual entries within the app
- **Export and Delete**: Export your data before deletion if needed
## Your Rights and Choices
### Access and Control
- **View Your Data**: All data is visible within the app
- **Edit Information**: Modify or delete any financial entries
- **Export Data**: Download your data in JSON format
- **Import Data**: Restore from previously exported backups
### Privacy Settings
- **Notification Preferences**: Control which notifications you receive
- **Data Export**: Choose when and how to export your data
- **Subscription Management**: Manage trial and subscription settings
## Children's Privacy
Fintrakit is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.
## International Users
Fintrakit is designed for use in the United States and other countries where the App Store is available. If you use our app from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.
## Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by:
- Posting the new Privacy Policy in the app
- Updating the "Last Updated" date
- Sending a notification through the app (if significant changes)
## Security Considerations
### Current State
- **No Encryption**: Financial data is not currently encrypted
- **Device Security**: Relies on iOS/macOS built-in security
- **Local Storage**: All data stored locally on your device
### Future Enhancements
We are considering implementing:
- **Data Encryption**: Encrypting sensitive financial information
- **Biometric Authentication**: Face ID/Touch ID for app access
- **Secure Keychain**: Using iOS Keychain for sensitive data
- **Enhanced Security**: Additional security measures for data protection
## Contact Information
If you have questions about this Privacy Policy or our data practices, please contact us:
**Email:** fintrakit@gmail.com
**Developer:** Hunter Howell
## Legal Basis for Processing (GDPR)
If you are in the European Union, our legal basis for processing your personal data is:
- **Consent**: You provide consent by using the app
- **Legitimate Interest**: Providing financial management services
- **Contract Performance**: Delivering the app's core functionality
## California Privacy Rights (CCPA)
If you are a California resident, you have the right to:
- Know what personal information we collect
- Know whether we sell or disclose your personal information
- Say no to the sale of personal information
- Access your personal information
- Equal service and price (non-discrimination)
Since we do not sell personal information and all data is stored locally, most CCPA rights are not applicable to our current data practices.
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**Note:** This privacy policy applies to Fintrakit version 1.11 and later. For questions about specific features or data handling, please contact us directly