Privacy Policy

Last Updated: October 31, 2025

Version: iOS App 1.0

1. Information We DON'T Collect

The PolicyEase 保單易 iOS app does NOT collect, transmit, or store:

• Personal information (name, email, phone number)
• Financial data (policy details, calculations, premiums)
• Location data
• Usage analytics or behavioral data
• Device identifiers
• Any other personal or sensitive information

2. How Your Data is Stored

Local Storage Only: All insurance policy data you enter is stored exclusively on your device using iOS's secure UserDefaults storage. This means:

• Your data never leaves your iPhone or iPad
• We cannot access your policy information
• Your data is not backed up to our servers
• If you delete the app, all data is permanently removed
• If you lose your device, your data cannot be recovered

3. No Account Required

The iOS app does not require you to create an account, sign in, or provide any personal information. You can use all features anonymously.

4. No Internet Connection Required

The app works completely offline. All calculations are performed locally on your device. The app only accesses the internet if you:

• Tap the "Learn More" button to visit our website
• Tap links to our Privacy Policy or Terms of Service

5. Web Version Promotion

The app displays information about our web version (wealth-pulse-hk.vercel.app) and a discount code (IOS16OFF). If you choose to visit the web version:

• You will be directed to our website in Safari
• The web version has its own privacy policy
• Any data you enter on the web version is subject to the web privacy policy
• The discount code is provided for your convenience and is not tracked by the iOS app

6. Third-Party Services

The iOS app does NOT use:

• Analytics services (Google Analytics, Firebase, etc.)
• Advertising networks
• Crash reporting services
• Social media integration
• Any other third-party tracking or data collection services

7. Children's Privacy

Our app is not directed to children under the age of 13. We do not knowingly collect any information from children. However, since we don't collect any data at all, this is not a concern.

8. Data Security

Since all data is stored locally on your device:

• Your data is protected by your device's security (passcode, Face ID, Touch ID)
• We recommend enabling device encryption and using a strong passcode
• Back up your device regularly if you want to preserve your data

9. Your Rights

Since we don't collect any data, you have complete control:

• Access: All your data is visible within the app
• Deletion: Delete the app to remove all data
• Portability: Currently, data cannot be exported (local storage only)
• Correction: Edit policies directly in the app

10. Changes to Privacy Policy

We may update this privacy policy from time to time. Changes will be posted on this page with a new "Last Updated" date. Continued use of the app after changes constitutes acceptance of the updated policy.

11. App Store Purchase

When you purchase the app from the Apple App Store:

• Payment is processed by Apple, not us
• Apple's privacy policy applies to the transaction
• We receive only basic sales data (number of downloads, region)
• We do NOT receive your name, email, or payment information

12. Contact Us

If you have questions about this privacy policy, please contact us:

• Website: wealth-pulse-hk.vercel.app
• Web Privacy Policy: Web Version Privacy Policy

13. Jurisdiction

This privacy policy is governed by the laws of Hong Kong SAR. The app is intended for use in Hong Kong and complies with Hong Kong privacy regulations.

© 2025 PolicyEase 保單易 Team. All rights reserved.
Terms of Service | Web Version