Payment Tracker: PayLog Privacy Policy

Summary

PayLog does not connect to your bank. Everything you enter is stored on your device. The app only goes online to fetch daily exchange rates, which sends just a currency code, and to check your subscription.

This policy covers the Payment Tracker: PayLog app for iPhone and iPad, published by mk0.net, an independent app studio. It is written from what the app actually does in its code. Questions: [email protected].

What we receive

Nothing. We have no accounts or servers for this app, and nothing you enter in it is sent to us.

What stays on your device

• Your payments, installments, accounts, categories and budgets are stored on this device.
• Account details are limited to what you type, such as a nickname, bank name and last four digits. Full card numbers are never stored.
• Cached exchange rates are stored on this device.
• The widgets share upcoming payments with the app on this device.

We cannot see this data. It is not uploaded to us.

Permissions the app may ask for

• Face ID: Used to unlock PayLog when you turn on the app lock.
• Notifications: Asked when you turn on due-date reminders. These are local notifications.

Every permission is optional and can be changed later in the iPhone Settings app. Features that need a permission you decline simply stay unavailable.

Data that leaves your device

The app talks to the following services. Each receives only what is listed, and only for the purpose shown.

• a public exchange-rate feed (jsDelivr / currency-api) (exchange rates): Only your base currency code, about once a day, to get the latest exchange rates. Their privacy policy.
• RevenueCat (subscription management): An anonymous app user ID and your subscription status, when the app checks, starts or restores your subscription. Nothing you enter in the app is sent. Their privacy policy.

Sensitive information

Bill amounts, bank names and card details are financial information. They stay on your device, and you can lock the app with Face ID.

Purchases

Subscriptions are sold and billed by Apple through the App Store. We never see your name, Apple ID, card or payment details. The app checks your subscription status through RevenueCat, which receives an anonymous ID and your purchase status, not your identity.

Ads, tracking and analytics

No ads, no tracking across apps or websites, and no data sold. The app contains no analytics SDK.

Account

No account needed and no bank login. All amounts are entered by you.

Children

Payment Tracker: PayLog is not directed at children under 13, and we do not knowingly collect personal information from children.

Keeping and deleting your data

You can delete any payment or account in the app. Subscribers can export a data file first. Deleting PayLog removes all of its data from this device.

Your rights

Depending on where you live (for example under the GDPR, UK GDPR, CCPA or KVKK), you have the right to access, correct, export or delete your personal data. Because the app keeps your records on your own device, you can do most of this directly in the app or by deleting it. For anything else, or for data held by a service listed above, email [email protected] and we will help within 30 days.

Changes to this policy

If the app starts handling data differently, we will update this page and the date below before the change ships.

Contact

mk0.net, [email protected]