SubZero - Privacy Policy

1. The short version

- We do not require an account. You can use the App without creating an account or giving us an email or password.

- Your subscription data stays on your device. The subscriptions you add or import, and your spending overview, are stored locally on your device, not on our servers.

- Statement files are parsed on your device. CSV and text-based PDF statements you import are read entirely on-device — the file is not uploaded.

- Some images are sent for text extraction. Scanned/image PDFs and App Store subscription screenshots you attach are sent to our AI provider (OpenAI) to read the text; we do not keep copies.

- We do not sell your data, and we do not use it for third-party advertising.

2. Information the App handles

a) Information you provide

- Subscriptions: names, plans, prices, billing periods, start dates, websites, and status for the subscriptions you add or import.

- Statement files: CSV or PDF bank/card statements you choose to import.

- Screenshots: images of your subscription list (e.g. Apple's Subscriptions screen) you choose to attach.

- AI Advisor messages: the text you type into the in-app AI money advisor.

- Onboarding answers: a few non-identifying quiz responses (e.g. how many subscriptions you have) used only to shape the onboarding experience.

Some of this is financial information and is treated as sensitive. See Section 6.

b) Information handled automatically

- Purchase status: whether you have an active Subzero subscription, via Apple and RevenueCat (see Section 4). We do not receive your credit-card or payment details.

- Anonymous app identifier: an anonymous identifier used for feature configuration and to count app opens (via Firebase; see Section 4). It is not tied to your name or email.

- Tracking permission (ATT): on first launch we ask, through Apple's App Tracking Transparency prompt, whether we may measure the effectiveness of our marketing. If you decline, we do not track you across other companies' apps and websites. You can change this anytime in iOS Settings → Privacy & Security → Tracking.

We do not collect your location, contacts, or browsing history.

3. Where your information is stored

- On your device. Your subscriptions, spending overview, and settings are stored locally (standard app storage; subscription status is cached in the device keychain). This data is not uploaded to a Subzero server.

- Sent for processing, not stored by us. To read image statements/screenshots and to answer AI Advisor questions, the App sends the necessary text or images from your device directly to the providers in Section 4. We do not maintain a database of your personal information.

4. Third-party services we use

To make the App work, limited data is sent from your device to the following providers. Each has its own privacy policy.

Please review these providers' privacy policies (OpenAI, RevenueCat, Apple, Google) for how they handle data.

Important: CSV and text-based PDF statements are parsed on your device and are not sent to any provider. Only image/scanned statements and screenshots you explicitly attach are sent to OpenAI for text extraction.

5. How we use your information

We use the information to:

- show your subscriptions, renewal dates, and spending overview;

- detect recurring charges from statements you import;

- answer your questions in the AI Advisor;

- provide and verify your subscription (paywall/entitlement);

- operate, secure, and improve the App.

We do not use your information for third-party advertising, and we do not sell it.

6. Financial and sensitive information

Statements and subscription details are financial information. We minimize how it is handled: on-device parsing where possible, no server-side storage by us, and transmission to third parties only as described in Section 4 and only when you take an action that requires it.

7. International data transfers

The third-party providers in Section 4 may process data on servers outside your country (including the United States). Where required, transfers rely on appropriate safeguards.

8. Data retention and deletion

- Data stored on your device remains until you delete it in the App or delete the App.

- Deleting the App removes the locally stored data from your device.

- We do not keep our own copies of your subscriptions, statements, or chat content. Third-party providers retain data per their own policies.

9. Children

The App is not directed to children under 13 (or the minimum age of digital consent in your country), and we do not knowingly collect their information.

10. Security

We use standard platform protections (device storage, keychain for subscription status, HTTPS for network requests). No method of transmission or storage is 100% secure.

11. Your rights

Depending on where you live, you may have rights to access, correct, delete, or restrict processing of your data, or to object or withdraw consent. Because most data lives on your device, you can exercise many of these directly in the App. For anything else, contact us at team@expertify.club.

12. Changes to this policy

We may update this policy. Material changes will be reflected by updating the "Last updated" date and, where appropriate, an in-app notice.

13. Contact

Questions or requests: team@expertify.club.