Introduction
Thank you for using InvestmentDashboard (hereinafter referred to as "the Application" or "our Service"). We take your privacy very seriously. This Privacy Policy explains how we collect, use, store, and protect your personal information.
This Application is developed and operated by Owen Liu (hereinafter referred to as "we" or "us"). By using this Application, you agree to the terms of this Privacy Policy.
1. Data Collection
1.1 Information We Collect
This Application may collect the following types of information:
1.1.1 Information You Provide
- Client Data: Client names, dates of birth, contact information, etc.
- Asset Information: Investment portfolios, stocks, bonds, deposits, insurance policies, and other financial data
- Policy Information: Insurance companies, policy numbers, coverage amounts, beneficiaries, etc.
- Photos and Documents: Policy photos, spreadsheet documents, etc. that you upload
1.1.2 Automatically Collected Information
- Device Information: Device model, operating system version, unique device identifiers
- Usage Data: Information about how you use the Application (feature usage frequency, error logs, etc.)
- Subscription Information: Subscription status, trial period start/end dates, payment records
1.2 Information We Do NOT Collect
- Authentication Information: We do not collect your Apple ID or password
- Payment Information: All payment processing is handled by Apple; we do not store your credit card information
- Location Information: We do not track your geographic location
- Third-Party Accounts: We do not require linking to social media or other third-party accounts
2. How We Use Your Data
2.1 Primary Purposes
We use the collected information for the following purposes:
- Provide Services: Manage your client and asset data
- Data Synchronization: Sync data across your devices via iCloud
- Feature Improvement: Analyze usage patterns to improve application features
- Customer Support: Respond to your inquiries and technical support requests
- Subscription Management: Manage your subscription status and trial period
2.2 Data Processing
- All data processing occurs on your device or within your iCloud account
- We do not transfer your data to our own servers
- OCR text recognition uses Apple's Vision framework and processes locally on your device
3. Data Storage and Security
3.1 Storage Locations
- Local Storage: Data is stored on your device using Core Data
- Cloud Sync: Stored in your iCloud account via Apple CloudKit
- Encryption: All data is protected by iOS and iCloud encryption
3.2 Security Measures
We implement the following measures to protect your data:
- Use Apple's secure frameworks (Core Data, CloudKit)
- Data transmission uses SSL/TLS encryption
- Store data only in your iCloud account
- Do not transfer data to third-party servers
- Regular application updates to patch security vulnerabilities
3.3 Data Retention
- Your data remains on your device and iCloud account until you choose to delete it
- Local data will be removed after uninstalling the application
- iCloud data retention follows Apple's iCloud policies
- You can delete any data at any time within the application
4. Data Sharing
4.1 We Do NOT Share Your Personal Data
We will NOT sell, rent, or share your personal data with third parties, except:
- Legal Requirements: To comply with legal obligations, court orders, or government requests
- Your Consent: With your explicit consent
- Apple Services: Using services provided by Apple (iCloud, App Store)
4.2 Third-Party Services
This Application uses the following services:
Apple Services
- iCloud / CloudKit: For cross-device data synchronization
- StoreKit: For handling subscription payments
- Vision Framework: For OCR text recognition (processed locally on device)
These services are subject to Apple's Privacy Policy: https://www.apple.com/privacy/
External API Services
- Exchange Rate API: For retrieving real-time exchange rate information
- Purpose: Provides currency conversion for multi-currency investment products
- Data Transmitted: Only currency codes (e.g., USD, EUR, TWD), no personal information
- Data Received: Only public exchange rate data
- Frequency: API calls are made only when users actively request them
- Privacy Protection: API requests do not contain any personally identifiable information
- Data Storage: Exchange rate data is cached only in device memory and not permanently stored
- Stock Price API: For retrieving real-time US and Taiwan stock prices
- Purpose: Provides real-time stock market value updates
- Data Transmitted: Only stock symbols (e.g., AAPL, 2330.TW), no personal information
- Data Received: Only public stock price data
- Frequency: API calls are made only when users actively click "Update Stock Price"
- Privacy Protection: API requests do not contain any personally identifiable information
Important Notes:
- All API calls are anonymous requests and do not transmit any personal information
- API service providers cannot track or identify individual users
- We do not send your investment portfolio information to any third parties
- Exchange rates and stock prices are public market information and do not involve personal privacy
5. Your Rights
5.1 Access and Control Your Data
You have the following rights:
- Access Right: View all your stored data at any time
- Modification Right: Edit or update your data
- Deletion Right: Delete any or all data
- Export Right: Export your data (future versions will support this)
- Subscription Management: Cancel subscription at any time
5.2 How to Exercise Your Rights
- Delete Data: Delete individual items directly in the application
- Manage iCloud Data: Via iOS Settings > [Your Name] > iCloud
- Manage Subscription: iOS Settings > [Your Name] > Subscriptions
- Contact Us: For assistance, contact us using the information below
6. Children's Privacy
This Application is not designed for children under 13. We do not knowingly collect personal information from children under 13. If you discover that we have collected information from a child, please contact us immediately, and we will delete that information as soon as possible.
7. International Data Transfers
Since we use Apple iCloud services, your data may be stored in Apple data centers located in different countries. Apple complies with international data protection standards, including the EU GDPR and other applicable regulations.
8. Cookies and Tracking Technologies
This Application does NOT use cookies, web trackers, or similar technologies. We do not track your activities on other websites or applications.
9. Privacy Policy Changes
We may update this Privacy Policy from time to time. For significant changes, we will:
- Notify you within the application
- Update the "Last Updated" date at the top of this document
- Request your re-consent when appropriate
We recommend reviewing this policy regularly to stay informed of any changes. Continued use of the Application indicates your acceptance of the updated policy.
10. GDPR Compliance Statement (EU Users)
If you are an EU resident, under GDPR, you have the following additional rights:
- Data Portability: Receive your data in a structured, commonly used format
- Right to Restriction: Restrict our processing of your data in certain circumstances
- Right to Object: Object to the processing of your data
- Right to Withdraw Consent: Withdraw your consent at any time
- Right to Complain: File a complaint with a data protection supervisory authority
11. California Privacy Rights (CCPA)
If you are a California resident, under CCPA, you have the following rights:
- Right to Know: Learn about the categories of personal information we collect
- Right to Delete: Request deletion of your personal information
- Right to Opt-Out: Opt out of the sale of your personal information (we do not sell personal information)
- Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights
12. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:
Email: stockbankapp@gmail.com
Response Time: We will respond to your inquiries within 7 business days
13. Consent
By using this Application, you acknowledge that you have read, understood, and agree to the terms and conditions of this Privacy Policy.