Privacy Policy
Your family's privacy is our top priority
🔒 Our Privacy Promise
We don't collect, track, or store any of your personal data. Everything stays in your iCloud, giving you complete control over your family's information.
1. Introduction
Welcome to Simpler Budget: Monarch! Your family's privacy is extremely important to us. This Privacy Policy explains our approach to data handling and why we've designed our app to be completely privacy-focused.
The Simple Truth: We built our app so that we never see, collect, or store your personal information. All your data stays securely in your own iCloud account.
2. Information We DON'T Collect
🚫 What We Never Collect
- No Personal Information: We don't collect names, email addresses, phone numbers, or any identifying information
- No Child Information: Your child's name, age, savings goals, and financial data never reach our servers
- No Usage Tracking: We don't track how you use the app, what features you access, or when you're active
- No Analytics: No usage statistics, crash reports, or behavioral data collection
- No Location Data: We don't access or track your device's location
- No Device Information: We don't collect device IDs, hardware details, or system information
- No Social Data: We don't access your contacts, social media, or external accounts
3. How Your Data is Stored
🏠 Your Data Stays Home
- iCloud Only: All savings goals, progress, and financial learning data is stored exclusively in your personal iCloud account
- Local Device Storage: When offline, data is temporarily stored on your device and syncs to iCloud when connected
- No External Servers: We don't operate servers that store your personal information
- Apple's Security: Your data benefits from Apple's enterprise-grade iCloud security infrastructure
- Your Control: You can delete all app data through your device settings or iCloud management
4. No Account Required
Since we don't collect data, you don't need to create an account to use Simpler Budget: Monarch:
- Download and start using immediately
- No registration, usernames, or passwords required
- No email verification or personal details needed
- One child profile per device for focused learning
5. Achievement Sharing
When your child shares achievement cards for reaching savings goals:
- User-Controlled: Sharing only happens when you or your child actively chooses to share
- No Data Collection: We don't collect or store information about what's shared or with whom
- Standard iOS Sharing: Uses your device's built-in sharing features (Messages, Mail, etc.)
- Parental Supervision: Parents should monitor and approve what achievements are shared
6. Third-Party Services
🔗 External Connections
Simpler Budget: Monarch is designed to work independently:
- No Third-Party Analytics: We don't use Google Analytics, Facebook tracking, or similar services
- No Advertising Networks: No ad trackers or marketing data collection
- Apple Services Only: We only interact with Apple's App Store and iCloud for basic functionality
- No Social Media Integration: No automatic posting or social media data sharing
7. Children's Privacy Protection
👶 COPPA Compliance & Beyond
We take children's privacy extremely seriously:
- No Data Collection from Children: We don't collect any personal information from children of any age
- Parental Control: Parents maintain complete control over their child's learning data through iCloud
- Educational Focus: The app is designed purely for financial literacy education
- Safe Environment: No chat features, social interactions, or external communications
- Age-Appropriate Design: Interface and features designed specifically for young learners
8. App Permissions
Simpler Budget: Monarch requests minimal permissions:
- iCloud Access: To save and sync your child's financial learning data across devices
- Photos (Optional): Only if you choose to add photos to savings goals or save achievement cards to your photo library
- Notifications (Optional): To remind about savings goals or celebrate achievements (all processed locally on your device)
9. Data Security
Even though we don't collect your data, we still prioritize security:
- Secure Code: Our app is built with security best practices
- Regular Updates: We provide security updates through the App Store
- Apple's Protection: Your iCloud data benefits from Apple's advanced security measures
- Local Encryption: Data on your device is protected by iOS encryption
10. Your Rights
Since we don't collect your data, you automatically have complete control:
- Access: All your data is accessible in your iCloud account
- Correction: Edit any information directly in the app
- Deletion: Delete app data through your device settings or by deleting the app
- Portability: Your data stays in your iCloud and moves with you
- Control: Manage iCloud syncing through your Apple ID settings
11. Subscription and Payment
For subscription management:
- Apple Handles Payments: All subscriptions are processed by Apple through the App Store
- No Payment Data Collection: We don't see or store your payment information
- Apple's Privacy Policy: Payment processing follows Apple's privacy standards
- Subscription Management: Control subscriptions through your Apple ID settings
12. Changes to This Privacy Policy
If we ever need to update this Privacy Policy:
- We'll post the updated version with app updates
- The "Effective Date" will reflect the change
- We'll maintain our commitment to not collecting your personal data
- Any significant changes will be communicated through the App Store
13. International Users
Our privacy-first approach works worldwide:
- Global Privacy: No data collection means no cross-border data transfer concerns
- Local Compliance: Our approach meets or exceeds privacy requirements globally
- Regional Laws: Compatible with GDPR, CCPA, and other privacy regulations
- iCloud Infrastructure: Benefits from Apple's global data center security
14. Contact Us
📧 Questions About Privacy?
We're happy to explain our privacy practices in more detail!
Our Commitment: We believe financial education should never come at the cost of your family's privacy. That's why we built Simpler Budget: Monarch to be completely private by design - your child learns about money while your data stays exactly where it belongs: with you.