SPEND LATER PRIVACY POLICY

Welcome to Spend Later, the iOS app that helps you quantify money you don't spend. This Privacy Policy explains how Punk Ventures LLC ("we," "our," or "us") collects, uses, and protects your information when you use our app.

We believe in transparency and giving you control over your data. This policy is written in plain English, not legal jargon.

Financial Data:

• Transaction amounts and categories you manually enter
• Savings goals and targets you set
• Spending patterns and trends you track

App Usage Data:

• How often you use the app
• Features you interact with most
• Crash reports and performance data (anonymized)

Device Information:

• iOS version and device model (for compatibility)
• App version (for updates and support)

We want to be crystal clear about what we don't access:

• Your bank account information
• Credit card numbers or financial account details
• Personal identification information (name, address, SSN)
• Location data
• Contacts or other personal data from your device

We use your data only to:

• Provide the core functionality of tracking your savings
• Generate insights and reports about your spending patterns
• Improve app performance and fix bugs
• Send you important updates about the app (if you opt-in)

Local Storage: Your financial data is stored locally on your device using iOS's secure storage mechanisms.

Cloud Backup: If you enable iCloud backup, your data follows Apple's privacy and security standards.

Encryption: All data is encrypted both in transit and at rest using industry-standard encryption.

Access Control: Only you can access your financial data through the app's authentication.

You have complete control over your data:

• Delete Data: You can delete all your data anytime through the app settings
• Export Data: Export your data in a readable format
• Opt-out: Disable any optional features or communications
• Access: Request a copy of all data we have about you

We use minimal third-party services:

• Apple App Store: For app distribution and updates
• Apple iCloud: For optional data backup (if you enable it)
• Crash Reporting: Anonymous crash data to improve app stability

These services have their own privacy policies, which we encourage you to review.

Spend Later is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

We may update this Privacy Policy occasionally. When we do:

• We'll update the "Last updated" date at the top
• We'll notify you through the app if changes are significant
• Your continued use of the app means you accept the updated policy