Privacy Policy for FamilyFund

Last Updated: December 11, 2025

1. Introduction

FamilyFund (“we,” “us,” “our,” or “App”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your information when you use our iOS application.

By downloading, installing, or using FamilyFund, you agree to this Privacy Policy. If you do not agree with our practices, please do not use the App.

2. Data We Collect

2.1 Financial Data

FamilyFund allows you to log transactions, create budgets, and track expenses. This financial data is:

• Stored exclusively on your device (locally via SwiftData)

• Synced securely to your personal iCloud account (via CloudKit)

• Never transmitted to our servers or any third-party service

2.2 Subscription Data (StoreKit 2)

When you subscribe to FamilyFund Premium:

• Apple processes your payment directly using StoreKit 2

• We receive anonymous transaction validation data from Apple (transaction ID, subscription status)

• We do not collect or store your credit card information, billing address, or personal identity details

• Payment processing is handled entirely by Apple Inc.

2.3 Diagnostic and Crash Data (Optional)

If you enable diagnostics (optional):

• App crash reports

• Feature usage statistics (aggregated, non-identifiable)

• Device type and OS version

• This data is used solely to improve app stability and performance

2.4 Data We Do NOT Collect

FamilyFund does NOT collect:

• Email addresses or usernames (unless you voluntarily provide them in notes)

• Location data

• Contact list information

• Biometric data

• Browsing history

• Any personally identifiable information for tracking or marketing

3. How We Use Your Data

Financial Data: Exclusively for your personal use within the App.

Subscription Data: To validate your Premium subscription status and provide Premium features.

Diagnostic Data: To diagnose crashes, improve performance, and enhance user experience.

Contact Information: Only to respond to support requests if you email us directly.

4. Data Storage and Security

4.1 iCloud Sync (CloudKit)

• Your financial data is stored in your private iCloud database

• This database is encrypted by Apple and only accessible by you and your Apple-signed devices

• We (the developers) cannot access your financial records

• You maintain full control over your iCloud account

4.2 On-Device Storage

• SwiftData stores a local copy of your data on each device

• This data is protected by iOS device encryption

4.3 No External Servers

FamilyFund does not maintain our own servers to store user data. All data remains either on your device or in your iCloud account.

5. Data Sharing

We do NOT sell, rent, or share your data with any third parties, including:

• Marketing agencies

• Data brokers

• Social media platforms

• Analytics companies (except Apple’s crash reporting, if enabled)

Exception: We may disclose information if required by law (court order, subpoena, government request).

6. Children’s Privacy (COPPA Compliance)

FamilyFund is designed for families and may be used by minors. We comply with the Children’s Online Privacy Protection Act (COPPA):

• We do not knowingly collect personal information from children under 13 without parental consent

• If FamilyFund is used by minors, we recommend parents/guardians:

• Set up the account

• Configure family sharing through Apple ID

• Monitor usage as needed

• No financial data is transmitted to us or third parties

7. Third-Party Services

7.1 Apple Services

FamilyFund uses the following Apple services:

• CloudKit (iCloud): For secure data syncing (Apple Privacy Policy applies)

• StoreKit 2: For subscription payment processing (Apple Privacy Policy applies)

• SafariServices: To display legal documents (Terms, Privacy Policy). Safari is Apple’s system browser with built-in privacy protections

For Apple’s privacy practices, see: https://www.apple.com/privacy/

7.2 No Third-Party Analytics or Advertising

FamilyFund does not integrate RevenueCat, Firebase, Google Analytics, or similar services.

8. Data Retention

• Financial Data: Retained as long as you use the App. You can delete all data by deleting the App

• iCloud Data: Retained in your iCloud account indefinitely or until you delete it

• Subscription Status: Retained by Apple for billing purposes

• Diagnostic Data: Retained by Apple for 30 days (per Apple’s policy)

9. Your Rights and Controls

You have the right to:

1. Access: View all financial data stored in the App

2. Delete: Remove any transaction, budget, or category

3. Export (Premium): Download your data as CSV/PDF (if available in Premium tier)

4. iCloud Control: Turn off iCloud sync in Settings > [Your Device] > iCloud > FamilyFund

5. Unsubscribe: Cancel Premium subscription anytime in App Store settings (manage subscriptions)

10. Changes to This Policy

We may update this Privacy Policy occasionally to reflect changes in our practices or legal requirements. We will notify you of material changes by updating the “Last Updated” date above. Continued use of the App implies acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your data:

Email: code.horizon.ventures\@gmail.com

Subject Line: “FamilyFund Privacy Question”

12. Legal Compliance

This Privacy Policy complies with:

• Apple App Store Guidelines

• General Data Protection Regulation (GDPR) for EU residents

• Children’s Online Privacy Protection Act (COPPA) for US residents under 13

• California Consumer Privacy Act (CCPA)

FamilyFund is developed by Petro Kulakov

© 2025 Petro Kulakov. All rights reserved.