Privacy Policy

This Privacy Policy explains how the DueVana iOS app and the duevana.com website (the “Services”) handle information. These pages are operated by the operator of duevana.com. “We,” “us,” and “our” refer to the operator of duevana.com.

This page is a consumer-facing description for App Store and website use. It is not legal advice and has not been certified by counsel for every jurisdiction.

1. Who this applies to

This Policy applies to visitors of duevana.com and users of the DueVana iOS app. Apple has its own privacy practices for App Store purchases, Apple ID, and iCloud.

2. No DueVana account

DueVana does not require you to create a DueVana account, email, or password on our servers. We do not operate a DueVana backend that stores your bills, income, buffer, or Ask questions for cloud inference. There is no DueVana-operated ledger server.

3. Information on your device

Depending on the features you use, the app may store on your iPhone:

• Cash buffer (starting balance and as-of date)
• Bills (names, amounts, due dates, recurrence, and related flags)
• Income sources (names, amounts, schedules, confirmed vs expected)
• Scenario adjustments you create in Plan Lab (Premium)
• Questions you type in Runway Analyst / Ask, and answers generated from your local ledger
• Preferences such as appearance, alert choices, and onboarding selections

This is financial information you enter. DueVana does not connect to banks, aggregate accounts, or display live bank balances. Optional local notifications (Premium bill-due and low-balance alerts) use Apple’s notification permission if you opt in. DueVana does not use HealthKit. Ledger entries are planning data, not health records and not a bank feed.

4. How we use information

We use information to:

• Compute break date, runway chart, scenarios, Ask answers, and related features on your device
• Remember preferences you set in the app
• Respond to support emails you send us
• Unlock Premium features after Apple confirms a subscription
• Comply with law and enforce these terms and Apple’s Standard EULA

We do not sell your personal information. We do not use your ledger for third-party advertising. We do not use an advertising identifier.

5. On-device Ask

Runway Analyst / Ask answers questions about your ledger on this iPhone. On supported devices, on-device Apple Intelligence may generate answers; otherwise DueVana uses deterministic on-device fallback. Ask is scoped to facts derived from your entries — not open-ended chat. Questions and answers stay on your device. They are not uploaded to a DueVana server. There is no DueVana-operated AI backend. You can disable Ask in Settings → On-device Ask.

6. Optional iCloud (Premium, off by default)

Free use stays on this iPhone. If you subscribe to DueVana Premium and you turn on Settings → Private iCloud Continuity while signed in to iCloud, bills, income, and buffer metadata may sync via Apple’s CloudKit (iCloud.com.duevana.duevana) to your private iCloud container — not to a DueVana ledger server. Continuity is off by default and never uploads until you turn it on. You can turn it off. Turning it off stops new uploads; copies already in iCloud remain until you delete them in system Settings or in iCloud.

Even with Continuity enabled, Ask conversation history, notification preferences, Premium nudge state, and StoreKit purchase cache remain device-local. Restore purchases (Apple ID / StoreKit) is separate from Welcome back restore from iCloud. A Free reinstall does not restore local-only data.

7. Notifications

If you enable Premium bill-due or low-balance alerts, DueVana schedules local notifications on your device. Notification copy is designed to be privacy-safe on the lock screen. You control notification permission through iOS Settings. Alerts default off until you turn them on.

8. Purchases (StoreKit)

Optional Premium is an auto-renewable subscription processed by Apple. We receive limited purchase or entitlement signals needed to unlock paid features (for example, subscription status). We do not receive your full payment card number. Apple’s privacy policy applies to payment data.

9. Analytics

DueVana does not send usage analytics to a DueVana server. We do not operate a third-party product-analytics SDK in the app. If Apple shares crash or diagnostic data with us under your device settings, we may use that to fix bugs. The marketing website may keep standard hosting logs (IP address, browser type, pages visited) for security and basic operations. If we add website analytics or cookies later, we will update this Policy and, where required, provide consent controls.

10. Support email

If you email support@duevana.com, we receive the address and message you send (and any attachments) so we can reply. Include your iOS version and what you were trying to do. Do not send bank passwords, full account numbers, or other sensitive content you would not want in an email inbox.

11. Website

duevana.com is a marketing and legal site. It does not host your in-app ledger. Hosting logs may include IP address, user agent, and requested URLs.

12. Sharing

We share information only when:

• You choose to share (for example, the system share sheet or a CSV you export)
• Apple processes purchases, iCloud, or device services you enable
• A service provider assists website hosting or email under confidentiality obligations
• Required by law, legal process, or to protect rights and safety
• In a merger, acquisition, or asset transfer (with notice where required)

We do not share your ledger with third parties for marketing or advertising. Optional iCloud Continuity syncs data to your iCloud account under Apple’s terms.

13. Retention

Data you store in the app generally remains until you delete it, uninstall the app, or clear related iCloud data for copies you opted into. Support emails are retained as long as needed to resolve your request and meet legal obligations. Canceling Premium through Apple pauses Continuity sync; existing iCloud records may remain until you delete them.

14. Children

The Services are not directed to children under 13 (or the minimum age in your region). We do not knowingly collect personal information from children. If you believe a child has provided data, contact us and we will take appropriate steps.

15. Security

We use reasonable administrative and technical measures appropriate to a local-first app and a marketing website. No method of storage or transmission is completely secure. Use a device passcode and keep your OS up to date.

16. Your choices and rights

Depending on your location, you may have rights to access, correct, delete, or export personal information, or to object to certain processing. For app data on your device, you can edit or delete ledger entries or uninstall. For iCloud copies, clear DueVana data in system Settings after turning Continuity off. For support-related data or other requests, email support@duevana.com. You may also adjust platform privacy settings (iCloud, notifications, analytics, App Tracking) on your device.

17. International users

If you access the Services from outside the country where the Services are operated, your information may be processed where we or our providers operate, subject to applicable law. Optional iCloud data follows Apple’s iCloud processing.

18. Changes

We may update this Policy from time to time. We will revise the “Last updated” date and, for material changes, provide additional notice where appropriate (in-app or on duevana.com).

19. Contact

Privacy questions: support@duevana.com

The operator of duevana.com · DueVana · support@duevana.com