PRIVACY POLICY
Last Updated: 2025-10-22
1. INTRODUCTION
Credit AI ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
2. INFORMATION WE COLLECT
2.1 Information You Provide
- Credit card statements you upload for analysis
- Transaction data from uploaded statements
- Account preferences and settings
2.2 Automatically Collected Information
- Device information (device type, operating system)
- Unique device identifiers (stored securely in device keychain)
- Usage data and analytics
- App performance data
2.3 Financial Data
- Transaction amounts and descriptions
- Merchant names and categories
- Statement dates and periods
- Spending patterns and trends
3. HOW WE USE YOUR INFORMATION
We use your information to:
- Provide credit card statement analysis and insights
- Generate spending reports and visualizations
- Categorize transactions automatically
- Identify spending patterns and trends
- Improve our AI analysis algorithms
- Provide customer support
- Process subscription payments
- Send important service notifications
- Prevent fraud and ensure security
4. DATA STORAGE AND SECURITY
4.1 Storage
- Financial data is stored securely on our servers
- Device authentication tokens stored in iOS Keychain
- All data transmission uses encryption (HTTPS/TLS)
4.2 Security Measures
- Industry-standard encryption
- Secure authentication protocols
- Regular security audits
- Access controls and monitoring
4.3 Data Retention
- Active subscription: Data retained for service provision
- After cancellation: Data retained for 90 days, then deleted
- Legal requirements: Data retained as required by law
5. DATA SHARING AND DISCLOSURE
We DO NOT sell your personal information. We may share data only in these circumstances:
5.1 Service Providers
- Cloud hosting services (Supabase)
- Analytics providers
- Payment processors (Apple)
5.2 Legal Requirements
- To comply with legal obligations
- To protect our rights and safety
- To prevent fraud or illegal activity
5.3 Business Transfers
- In connection with merger, sale, or acquisition
6. YOUR RIGHTS AND CHOICES
6.1 Access and Control
- View your data within the App
- Delete your data by contacting support
- Export your transaction data
6.2 Subscription Management
- Manage through Apple ID Account Settings
- Cancel at any time
6.3 Device Permissions
- File access: To upload credit card statements
- Local storage: To cache data for offline access
7. CHILDREN'S PRIVACY
Our App is not intended for users under 18 years of age. We do not knowingly collect information from children under 18.
8. THIRD-PARTY SERVICES
8.1 Apple In-App Purchase
Subscription purchases are processed by Apple. Review Apple's Privacy Policy at https://www.apple.com/legal/privacy/
8.2 Analytics
We may use analytics services to improve our App. These services collect data according to their own privacy policies.
9. INTERNATIONAL DATA TRANSFERS
Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place.
10. CALIFORNIA PRIVACY RIGHTS
California residents have additional rights under CCPA:
- Right to know what personal information is collected
- Right to delete personal information
- Right to opt-out of sale (we do not sell data)
- Right to non-discrimination
To exercise these rights, contact us at [email protected]
11. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy periodically. We will notify you of material changes through the App or via email. Continued use after changes constitutes acceptance.
12. DO NOT TRACK SIGNALS
We do not currently respond to Do Not Track (DNT) browser signals.
13. CONTACT INFORMATION
14. DATA PROTECTION OFFICER
For EU/UK users, you may contact our Data Protection Officer at: [email protected]
15. YOUR CONSENT
By using our App, you consent to this Privacy Policy and our collection and use of information as described.