Privacy Policy — Chronopay

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Last updated: May 2025

This Privacy Policy describes how [YOUR NAME / COMPANY NAME] ("we," "us," or "our") handles information in connection with the Chronopay mobile application ("App"). We are committed to protecting your privacy.

1. Information We Collect

Chronopay is designed to work primarily on your device. We collect minimal information:

Financial data you enter: Bill names, amounts, due dates, payment history, and budget categories. This data is stored locally on your device.
App usage data: If you have opted in to analytics, we may collect anonymized usage data such as feature interactions and crash reports to improve the app.

We do not collect your bank account credentials, payment card numbers, or any information from external financial institutions.

2. How We Use Information

To provide and operate the App's core functionality
To send local notifications for bill due dates (these are generated on-device and do not leave your device)
To diagnose crashes and improve app stability, if analytics is enabled

3. Data Storage & Security

All financial data you enter into Chronopay is stored locally on your device using [STORAGE METHOD — e.g., Core Data / SwiftData / iCloud]. We use [encryption method] to protect your data at rest.

If iCloud sync is enabled, your data is synced through Apple's iCloud infrastructure under Apple's privacy policy.

4. Third-Party Services

Chronopay may use the following third-party services:

[Analytics provider, e.g., TelemetryDeck]: Anonymized, aggregate usage analytics. [Link to their privacy policy.]

If you would like to opt out of analytics, you can do so in the App's Settings screen.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We do not share your financial data with any third party.

6. Data Retention & Deletion

Your data lives on your device. You can delete all app data at any time by deleting the app from your device. If iCloud sync is enabled, you can delete iCloud data from your device's iCloud settings.

7. Children's Privacy

Chronopay is not directed at children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will take steps to delete such information.

8. Your Rights

Depending on your location, you may have rights regarding your personal data, including the right to access, correct, or delete it. Since your data is stored on your device, you have direct control over it. For any data held by third-party analytics providers, contact us at the address below and we will assist you.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last updated" date and, where appropriate, through an in-app notice. Continued use of the App after changes constitutes your acceptance of the updated policy.

10. Contact

If you have questions about this Privacy Policy, please contact us:

Email: [YOUR SUPPORT EMAIL]
Website: Chronopay Support