Privacy Policy

Punk Ventures LLC · Last updated: January 2026

This policy covers Punk Ventures LLC products. Written in plain English.

Spend Later

What we collect

Transaction amounts and categories you manually enter
Savings goals you set
Anonymized crash reports and usage data
Subscription status from Apple (not payment details — Apple handles that)

What we don't collect

Bank account or credit card info
Your name, address, or SSN
Location data
Contacts or any other device data

How we use it

Run the app and generate your savings insights
Verify subscription status and unlock features
Fix bugs and improve performance

We never sell your data or use it for advertising.

Storage & security

Your financial data lives locally on your device. iCloud backup follows Apple's security standards. All data is encrypted in transit and at rest.

Subscriptions

Payments processed by Apple. Subscriptions auto-renew unless cancelled 24 hours before renewal. Manage or cancel in your Apple ID settings: apple.com →

Your rights

Delete all your data from app settings
Export your data in a readable format
Request a copy of what we have on you

Contact: griffin@punk-ventures.com

General

Children

Our products are not intended for children under 13. We don't knowingly collect data from minors.

Changes

If this policy changes significantly, we'll update the date above and notify you through the app.

Questions

Email griffin@punk-ventures.com. We respond within 48 hours.