Privacy Policy - EZer for iOS

Effective Date: October 20, 2025 | Version 1.0

Introduction

Welcome to EZer. We are committed to protecting your privacy and ensuring the security of your personal financial data. This Privacy Policy explains how we collect, use, store, and protect your information when you use the EZer mobile application on iOS devices (iPhone and iPad).

Important iOS Limitation:

Unlike the Android version, EZer for iOS does NOT have automatic SMS parsing or notification reading capabilities. This is an iOS platform restriction designed to protect user privacy. All transactions must be entered manually or imported from bank statements.

1. Information We Collect

1.1 Information You Provide Directly

Account Information:

Name (optional), Email address, Profile information
Currency and language preferences, Regional settings

Financial Data You Enter:

Transactions (manually entered), Bank account names (not credentials)
Budget information, Savings goals, Bill information
Receipt images and scanned documents
Imported bank statements (CSV, PDF, Excel)

Important: We NEVER ask for or store:

Bank account passwords or login credentials
Credit/debit card numbers, CVV/PIN codes
Social Security Numbers or Government ID numbers
Apple ID password or any Apple account credentials

1.2 Information Collected Automatically

Device Information:

Device model and iOS version (for compatibility and support)
App version and build number
Crash reports and performance diagnostics (no financial data included)
General usage statistics (screens viewed, features used - no personal data)

iOS Privacy Features:

✅ No SMS access (iOS platform limitation)
✅ No notification access (iOS platform limitation)
✅ All data processing happens locally on your device
✅ We cannot access your iMessages, calls, or other apps
✅ App Privacy Report available in iOS Settings

2. How We Use Your Information

Display your financial transactions and balances
Categorize expenses and income (manual or auto-categorization)
Generate budgets and track spending patterns
Monitor bill due dates and send local push notifications
Track savings goals and progress
Provide financial insights and analytics
Generate charts, reports, and export files

3. How We Store Your Information

3.1 Local Storage (iOS Device)

Encrypted Database: All financial data stored in encrypted SQLCipher database
AES-256 encryption standard (same as banks)
Encryption keys stored in iOS Keychain (hardware-protected)
Data protected by Secure Enclave (hardware security)
Cannot be accessed without Face ID, Touch ID, or device passcode
Data automatically protected when device is locked

3.2 iOS-Specific Security Features

Data Protection API: Files encrypted at rest using iOS Data Protection
Keychain: Sensitive keys stored in iOS Keychain (never in user-accessible storage)
App Sandbox: EZer runs in isolated sandbox, cannot access other apps
Secure Enclave: Biometric data (Face ID/Touch ID) never leaves device hardware
Background App Refresh: Limited to non-sensitive tasks only

3.3 Cloud Storage (Optional)

If you choose to enable encrypted backups:

Data is encrypted on your device before upload
Encryption key never leaves your device
We cannot decrypt your backups without your device
Backups stored in secure cloud storage (Google Cloud or AWS)
You can delete cloud backups anytime from app settings

4. iOS-Specific Permissions

Permission	Purpose	Required?
Camera	Scan receipts and documents using OCR	Optional
Photo Library	Save receipt images and export charts	Optional
Face ID / Touch ID	Secure app lock and authentication	Optional
Notifications	Bill reminders and goal alerts (local only)	Optional
Files Access	Import bank statements (CSV/PDF/Excel)	Optional
Internet Access	Cloud backup (optional), app updates, support	Required

Notable Differences from Android:

❌ No SMS access (iOS does not allow third-party apps to read SMS)
❌ No notification listener (iOS platform limitation for privacy)
✅ All transactions must be entered manually or imported from files
✅ More privacy-focused by design due to iOS platform restrictions
✅ Enhanced security through iOS Secure Enclave and Keychain

5. Data Entry Methods (iOS)

Since iOS does not allow automatic SMS or notification parsing, you can add transactions using:

Quick Manual Entry: Add transactions with just a few taps
Bank Statement Import: Import PDF, CSV, or Excel files from your bank
Receipt Scanning: Take photos of receipts for automatic OCR text extraction
Batch Import: Upload multiple transactions at once from files
Recurring Transactions: Set up repeating bills/income to auto-add

6. Your Privacy Rights

You have the right to:

✅ Access all your data stored in the app (Data Export feature)
✅ Export your data in multiple formats (CSV, JSON, Excel, PDF)
✅ Delete specific transactions or all data
✅ Modify or correct any information
✅ Request account deletion with all associated data
✅ View app's data access in iOS Settings → Privacy → App Privacy Report
✅ Revoke any permission anytime (Camera, Photos, Notifications, etc.)

7. Data Sharing

❌ What We DON'T Do

• Access your SMS or iMessages (iOS doesn't allow it)
• Sell your data to third parties
• Share data with advertisers or data brokers
• Require bank passwords or credentials
• Track you across other apps or websites
• Use your data for marketing or profiling
• Share data with social media platforms

✅ What We DO

• Encrypt all data with AES-256 (bank-level security)
• Process all data locally on your device
• Store encryption keys in iOS Keychain
• Give you complete data control and export
• Delete data permanently when you request it
• Respect all your privacy choices
• Comply with Apple's privacy requirements

8. iOS-Specific Privacy Features

App Privacy Report: View EZer's data access history in iOS Settings → Privacy → App Privacy Report
Privacy Nutrition Labels: See our privacy summary on the App Store before downloading
No Tracking: We don't track you across apps or websites (complies with iOS App Tracking Transparency)
On-Device Processing: All AI/ML features run locally on your device, never on servers
iCloud Keychain Integration: Optionally sync app passwords securely via iCloud Keychain

9. Data Retention

Financial data: Stored locally on your device until you delete it
Account data: Retained while your account is active
Backup data: Deleted within 24 hours when you delete your account
Crash reports: Anonymized crash logs retained for 90 days for debugging
Support tickets: Communication history retained for 2 years for legal compliance

10. Third-Party Services

EZer for iOS may use the following third-party services:

Firebase (Google): Authentication, crash reporting (no financial data shared)
Cloud Storage Providers (AWS or Google Cloud): Only if you enable encrypted backups (data is encrypted before upload)
Apple Services: iCloud (optional, for encrypted backups), App Store (for app distribution)

We ensure all third-party services comply with GDPR, CCPA, and Apple's privacy requirements.

11. Apple Privacy Nutrition Label

Our App Store privacy label indicates:

Data Used to Track You: None
Data Linked to You: Email address (for account), Financial info (you provide)
Data Not Linked to You: Crash data, diagnostics

12. Children's Privacy

EZer is not intended for users under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us to delete it.

13. International Data Transfers

Your data is primarily stored on your iOS device. If you enable cloud backups:

Data may be transferred to secure servers in the United States or European Union
All transfers comply with GDPR Standard Contractual Clauses
Data is encrypted before transfer and at rest

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

Posting the new Privacy Policy in the app
Sending a push notification (if you've enabled notifications)
Displaying an in-app alert on next launch
Updating the "Last Updated" date at the bottom of this policy

Significant changes will require your consent before taking effect.

15. Your California Privacy Rights (CCPA)

If you are a California resident, you have additional rights:

Right to know what personal information is collected
Right to know if personal information is sold or disclosed (we don't sell data)
Right to delete personal information
Right to opt-out of sale of personal information (we don't sell data)
Right to non-discrimination for exercising your rights

16. GDPR Rights (European Users)

If you are in the European Economic Area, you have these rights:

Right to access your personal data
Right to rectification (correct inaccurate data)
Right to erasure (delete your data)
Right to restrict processing
Right to data portability (export your data)
Right to object to processing
Right to withdraw consent anytime

17. Contact Us

Privacy Email: privacy@ezerapp.com

Support Email: support@ezerapp.com

Data Protection Officer: dpo@ezerapp.com

Website: https://www.ezerapp.com/privacy-ios

Response Time: Within 7 business days for privacy requests

Address: [To be updated upon company registration]

Last Updated: October 20, 2025 | Next Review: April 20, 2026| Version: 1.0

Privacy Policy for iOS