Privacy Policy

Who we are
Rateo - BNPL Tracker (“the App”) is an application designed to help you track your Buy Now, Pay Later (BNPL) installment plans from different providers (Klarna, PayPal, Amazon, Scalapay, Afterpay, Clearpay, Affirm, Alma, Zip, Shop Pay), credit cards, and bank accounts, giving you a unified overview. Privacy sits at the heart of everything we build in Rateo - BNPL Tracker.

Your plan data stays on your device
Rateo - BNPL Tracker works locally on your device. There is no remote server or backend for your data, and the App does not require account creation or login. As a result:
● We do not collect your name, email, phone number, or any other identifying information.
● The data you enter in the App (payment plans, amounts, providers, categories, budget, due dates) is never sent to us or to any third party.
● We do not use advertising tools, behavioral tracking, or third-party analytics tools.
● We do not use crash-reporting tools that transmit data to external servers.
● We do not sell or share any data, and we do not use any data for advertising.
The only external service the App communicates with is the one that manages the Rateo PRO purchase, described in the section “PRO Subscription and Purchases (RevenueCat)”.

Data stored on your device
All information you enter into the App — payment plans, amounts, providers, categories, monthly budget, language and currency preferences — is saved exclusively locally, using your device’s native storage mechanisms (app storage). This data:
● Never leaves your device unless you manually export it (see “Backup and Data Export” below).
● Is automatically deleted if you uninstall the App.
● Is accessible only to you, through the App itself.

Backup and Data Export
Rateo - BNPL Tracker offers (as a PRO feature) the ability to export your data to a local backup file, and re-import it later. This file is generated and saved according to the method you choose (e.g., saved on your device or shared via your operating system’s native sharing features). Rateo - BNPL Tracker has no access to this file once exported: its handling and storage are entirely under your control.

Device Permissions
Rateo - BNPL Tracker requests a few system permissions to work correctly:
● Notifications: local reminders about your upcoming installments, generated and shown entirely on your device.
● Calendar: only if you enable sync in Settings, to add due dates as events in your phone’s calendar. This happens only on your device and no calendar data is sent anywhere.
● Battery optimization exemption: to make sure reminders arrive on time, with no data collection involved.
● Photo library: only if you choose to attach a screenshot to a problem report.
You can deny or revoke any of these permissions at any time from your device settings.

PRO Subscription and Purchases (RevenueCat)
Rateo - BNPL Tracker offers additional features through Rateo PRO, available as an Annual or Lifetime plan, activated via in-app purchase. All payments are processed directly by the Apple App Store or Google Play Store, in accordance with their respective privacy policies. Rateo - BNPL Tracker does not receive, see, or store any data related to credit cards, payment methods, or billing details.
To manage the purchase, verify PRO access, and restore purchases, we use the service provided by RevenueCat, Inc. When you use the App, RevenueCat receives:
● an anonymous identifier generated by the App, not linked to your name or email;
● your purchase and PRO access status;
● IP address, device type, and operating system version, sent automatically by any online service;
● some non-identifying usage information: the App language, whether reminders are enabled, an approximate range of the number of plans you have, the screen from which the PRO page was opened, and whether the trial offer was shown.
We do not send RevenueCat your name, email, amounts, plan names, or the BNPL providers you use. We use this information only to make purchases work and to improve the App; we do not sell it or use it for advertising. RevenueCat’s privacy policy: https://www.revenuecat.com/privacy

BNPL Providers Mentioned in the App
The provider names (Klarna, PayPal, Amazon, etc.) you can select in the App serve solely as a descriptive label chosen by you to organize your payment plans. Rateo - BNPL Tracker does not connect to, integrate with, or exchange any data with these services: we have no access to your accounts with these providers, nor do we receive information from them.

Platform-Level Statistics (Apple/Google)
App Store Connect and Google Play Console — the platforms through which we distribute Rateo - BNPL Tracker — automatically collect some aggregate technical statistics for any published app (for example, number of installs, sessions, anonymous crash counts, ratings). This collection is performed directly by Apple and Google as part of operating their respective stores, not by Rateo - BNPL Tracker, and this aggregate data does not allow us to identify you or your specific use of the App. This collection is governed by Apple’s and Google’s own privacy policies, not by this Privacy Policy.

Data Retention
Your plan data stays on your device until you uninstall the App or delete it yourself. Data handled by RevenueCat (anonymous identifier, purchases, usage information) is kept as long as needed to manage the purchase and can be deleted on request.

Your Rights
You can request access, correction, or deletion of the data handled on our behalf by RevenueCat by writing to info@rateobnpl.com. Instructions are on the Data Deletion page: https://sites.google.com/view/rateo-bnpltracker/data-deletion

Children’s Privacy
Rateo - BNPL Tracker is not directed at children under the age of 13 (or the minimum age required by local regulations), and we do not knowingly collect personal data from minors.

Problem Reporting
If you choose to use the “Report a Problem” feature in Settings, the description you write, your device model and operating system version (detected automatically), and any screenshots you attach are included in an email sent through the email app configured on your device to report@rateobnpl.com. This feature is entirely optional; no Rateo server or backend is involved in sending it.

Changes to This Policy
We may update this Privacy Policy from time to time, for example when new App features are introduced. We encourage you to review this page periodically. The “last updated” date at the top of this document reflects the most recent version.

Contact
If you have any questions about this Privacy Policy, you can contact us at: info@rateobnpl.com

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