1. Information We Collect
Our applications are designed with a local-first approach. The vast majority of your data never leaves your device.
Information stored locally on your device:
- Portfolio data you enter: transactions, asset names, quantities, prices, cash balances
- Account information: broker accounts, bank accounts, savings, loans, subscription trackers
- App settings: language preference, currency, theme, notification settings
- Journal entries and notes you create within the app
- Price alert configurations and watchlist items
We do not collect or transmit this data to our servers. This applies to all applications we develop. Your financial data remains on your device.
2. Subscription & Trial Information
FolioTrax uses Apple's StoreKit framework to manage subscriptions. When you subscribe or use the 7-day free trial:
- Subscription purchases are processed entirely by Apple through the App Store
- We receive only anonymized purchase confirmation signals via Apple's StoreKit — not your payment details
- We do not receive, store, or process your Apple ID, credit card information, or billing address
- Your subscription status (free trial, Pro, or basic) is verified locally through Apple's frameworks
Free vs Pro: On the free plan (after trial), automatic price updates are disabled — you enter prices manually. Your data is never deleted when your trial ends or when you cancel Pro. Accounts and assets beyond the free limits become locked (viewable and deletable, but not editable) until you resubscribe.
3. Data You Enter
All financial data you enter into our applications — including portfolio names, transaction history, cash balances, custom assets, and journal entries — is stored locally on your device. We cannot access, view, or retrieve this data. You are solely responsible for the accuracy and security of the data you enter.
4. iCloud Synchronization
If you enable iCloud backup on your device, FolioTrax data may be stored in Apple's iCloud service as part of your device backup. This data is governed by Apple's Privacy Policy. We do not have access to your iCloud data.
5. Family Share Feature
FolioTrax includes a Family Share feature that allows you to share a read-only view of your portfolio with family members. When you use this feature:
- Portfolio data is transmitted directly between devices using FolioTrax's sharing mechanism (via iCloud or share files)
- Shared data is limited to the portfolio information you explicitly choose to share
- We do not store or process shared portfolio data on our servers
- Recipients can view but cannot modify your portfolio data
6. Automatic Price Updates (Pro Feature)
With a Pro subscription or during the 7-day trial, FolioTrax automatically fetches price data for your assets at regular intervals. This involves:
- Your device making requests to third-party financial data providers to retrieve current market prices
- These requests include asset ticker symbols but do not include your personal information or portfolio quantities
- Price data displayed may be delayed and does not represent instantaneous market values
- On the free plan (after trial expiry), no automatic price fetching occurs
We do not identify data providers by name in this policy, as partnerships and data sources may change over time.
7. Support Communications
If you contact us through the in-app Support form (Settings → Help & Support → Support), you provide us with:
- Your name and email address
- The content of your support message
We use this information solely to respond to your inquiry. We do not use support communications for marketing purposes without your explicit consent. Communications are sent to info@cempm.com.
8. Data We Do Not Collect
Our applications do not collect:
- Location data
- Device identifiers for advertising purposes (IDFA)
- Browsing history or activity across other apps
- Contact lists or address book data
- Camera or microphone data
- Biometric data (Face ID/Touch ID is managed entirely by iOS)
9. Third-Party SDKs and Frameworks
Our applications integrate with Apple's native frameworks only:
- StoreKit — subscription and purchase management
- CloudKit / iCloud — optional device backup and Family Share sync
- UserNotifications — price alerts and daily summaries
We do not integrate third-party advertising SDKs, analytics SDKs, or social media tracking pixels in any of our applications.
10. Data Security
Your data is stored locally on your device and protected by your device's built-in security mechanisms, including device passcode and biometric authentication (Face ID / Touch ID). We recommend enabling device-level encryption and using a strong passcode.
We cannot be held responsible for data breaches resulting from unauthorized access to your device or your iCloud account.
11. Data Retention & Deletion
Your data persists on your device until you delete the application or manually clear data within the application settings.
- Cancelling a Pro subscription does not delete your data
- Letting the 7-day trial expire does not delete your data
- You can delete all data at any time through Settings → Clear All Data (this action is permanent and irreversible)
- Uninstalling the app removes local data from your device
12. Children's Privacy
FolioTrax is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided personal information through our app, please contact us at info@cempm.com.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of material changes through the application. Your continued use of FolioTrax after changes become effective constitutes your acceptance of the updated Policy.
Questions about this Privacy Policy?
Contact us directly — we respond to all privacy-related inquiries.
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