Privacy Policy

• No backend. The App has no server of ours. We never receive your financial records.
• Local storage. Your data is stored on your device in a local database (Apple SwiftData).
• iCloud backup and restore are optional and use your private iCloud account — not ours.
• No analytics, no tracking, no advertising SDKs.
• The only network use is for optional iCloud backup and for processing subscription purchases through Apple / RevenueCat.

You may store the following in the App: debtor/creditor names, transaction amounts, dates, notes, interest terms, payment records, books/ledgers, and your own profile.

• This data is saved locally on your device using SwiftData.
• It is not sent to us or to any third party we control.
• You can delete any record, or clear all data, at any time from within the App.

If you use Cloud Backup or Restore:

• Your data is stored in your own private iCloud container (iCloud.com.shahanul.Debt-Book) under your Apple ID.
• This transfer is between your device and Apple's iCloud. We have no access to it.
• Apple's handling of iCloud data is governed by Apple's Privacy Policy.
• You can stop using Cloud Backup and manage the App's iCloud data through Apple's iCloud settings.

The App provides an optional searchable contact list to speed up adding a transaction (NSContactsUsageDescription).

• Contact access is requested only when you open the contact-selection feature. If permission is granted, the App reads contacts from the device to display the searchable list, including names, phone numbers, email addresses, and contact thumbnails when available.
• If you select a contact, the contact's name, first phone number, and first email address, when available, are copied into the App's local database and associated with your debt record. Contacts you do not select are not saved in the App's database.
• We do not receive or upload your address book or selected contact information to a server operated by us, and the App does not send contacts to RevenueCat.
• If you explicitly use Cloud Backup, saved debt-book records—including contact details you previously selected and saved—are included in the backup stored in your private iCloud container under your Apple ID. We do not have access to that data.
• A selected contact's name and phone number may appear in a PDF transaction statement generated on the device. The PDF is shared only when you explicitly choose a destination through the iOS share sheet.
• You can deny or revoke contacts permission in iOS Settings; the App still works (you type names manually).

The App can suggest names for your books using Apple's on-device language model (NSLanguageModelUsageDescription).

• This runs entirely on your device using Apple's Foundation Models.
• No prompt or data is sent to us or to an external AI service for this feature.

Premium features are sold via subscriptions and a lifetime purchase. Payments are processed by Apple (App Store), and subscription state is managed through RevenueCat, our subscription infrastructure provider.

• We never see or store your payment card details. Apple handles all billing.
• RevenueCat processes subscription-related identifiers, purchase/entitlement information, and associated technical information needed to validate purchases and enable restore-purchases. The App does not send RevenueCat your contacts, debt records, names, notes, or transaction amounts.
• RevenueCat's handling of data is governed by RevenueCat's Privacy Policy.
• Apple's handling is governed by Apple's Privacy Policy.

• Optional PIN lock and auto-lock protect access to the App.
• Your PIN is stored only as a SHA-256 hash on your device — the raw PIN is never stored.
• Because your data lives on your device (and in your own iCloud), its security also depends on your device passcode and Apple ID security.

The developer does not receive or have access to:

• Your debts, transactions, names, amounts, or notes
• Your contacts
• Analytics, usage tracking, device identifiers for advertising
• Your location
• Any data on a server operated by us (we have none)

The App is not directed to children under 13 and does not knowingly collect data from children. As the App collects no personal data on our servers, no such data is gathered.

You are in full control of your data:

• Access / Export: Export your data from within the App.
• Delete: Delete individual records or clear local data in the App. If you used Cloud Backup, you can manage the App's stored iCloud data through Apple's iCloud settings.
• Because we hold no copy of your data, deletion on your device (and iCloud) removes it entirely.

No advertising, analytics, or tracking services are used.

We may update this policy as the App evolves. The “Effective date” above reflects the latest version. Material changes will be reflected here and, where appropriate, in the App.