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# Privacy PolicyLast updated: October 27, 2025
Effective Date: October 27, 2025---## IntroductionConsumii is a privacy-first expense tracking app designed to help you manage your finances without compromising your personal data. This Privacy Policy explains what data we collect, how we use it, and your rights regarding your information.---## 1. Data We DON'T CollectConsumii is designed with privacy at its core. We do NOT collect:- Personal information (name, email, phone)
- Financial account data or banking credentials
- Location data or GPS coordinates
- Browsing history
- Device identifiers for tracking
- Third-party analytics or usage data
- Any data that could identify you personally
- Advertising identifiers (IDFA)---## 2. Local-Only Data StorageAll your data stays on YOUR device using SwiftData and local storage:- Expense items: Names, prices, categories, notes, purchase dates
- Budget information: Income, spending limits, category budgets
- Financial tracking: Savings goals, financing/loan details, payment history
- Photos: Receipt images and item photos
- Settings: App preferences and configurations
- Emotional data: Impulse control ratings, emotional states (local only)
- Consumer profile: Consumer type assessment results (local only)
- Achievements: Progress, milestones, and gamification data
- Environmental data: CO₂ footprint calculations (local only)
- Notification preferences: Timing, frequency, and engagement data
- Item metadata: Disposal methods, resale values, item lifespan tracking
- Usage patterns: Completely local, never transmitted---## 3. Widget Data Sharing (On-Device Only)Consumii includes 9 home screen widgets that display your financial information:- Data sharing method: App Group container (group.jgeider.consumii)
- Storage: UserDefaults shared between main app and widgets
- Scope: Only between Consumii app and its own widgets
- Security: Protected by iOS sandboxing, no third-party access
- Widget types: Totals, Budget, Savings, Items, Quotes, Achievements, Impulse Control, Income, Mood-Aware Quotes (Premium)
- Data synchronization: Happens only on your deviceAll widget data remains on your device and is never transmitted over the network.---## 4. iCloud Sync (Optional)If you enable iCloud sync:- Data goes directly to YOUR iCloud account (iCloud.Consumi container)
- We never see or access your iCloud data
- Encrypted by Apple's security standards
- Controlled entirely by your Apple ID settings
- Can be disabled at any time in Settings
- Syncs across your devices using the same Apple ID
- Subject to Apple's iCloud Terms and Privacy PolicyiCloud sync is completely optional. Disabling it does not affect app functionality.---## 5. Images and PhotosPhotos you add to items:- Receipt scanning: Uses VisionKit document camera to capture complete document images
- Storage: Stored only in the app's local sandbox
- Processing: Document images are captured and stored locally on your device
- Transmission: Never uploaded or transmitted anywhere
- Deletion: Deleted when you delete the item or app
- iCloud sync: May sync to your iCloud if you enable that feature
- Ownership: You retain full ownership and controlWe request camera and photo library access only for scanning receipts and invoices as complete documents. Document images are captured and stored locally and never leave your device unless you enable iCloud sync.---## 6. App PermissionsConsumii may request the following permissions:- Camera: To scan receipts and invoices as complete documents (document images stay local)
- Photo Library: To select existing photos for expense items
- Notifications: For budget alerts, achievement notifications, and smart insights
- iCloud: For optional data sync to your Apple iCloud accountAll permissions are optional and can be revoked anytime in iOS Settings. Revoking permissions will limit related features but the app will continue to function.---## 7. Notification SystemConsumii uses Apple's UserNotifications framework to send you helpful reminders:Notification types (13 total):
- Purchase item reminders
- Milestone and achievement celebrations
- Weekly spending summaries
- Smart insights and tips (Premium feature)
- Budget alerts and warnings
- Savings goal progress updates
- Impulse control check-insHow notifications work:
- Scheduled locally on your device using UNUserNotificationCenter
- No external servers involved in notification delivery
- Engagement tracking (delivery, taps, dismissals) stored locally
- Smart timing based on your preferences and quiet hours
- Frequency limits: Max 5 purchase notifications, 3 achievement notifications, 2 smart notifications per day
- Can be disabled entirely or customized by type in SettingsAI-Powered Smart Notifications (Premium):
- Mood-aware quote widget uses on-device ML to suggest relevant quotes
- No emotional data is transmitted to external servers
- All processing happens locally using iOS Core ML frameworksNotification engagement data (when delivered, when tapped) is stored locally to improve notification timing. This data never leaves your device.---## 8. Emotional & Behavioral DataConsumii includes features to help you understand your purchasing psychology:Consumer Type Assessment:
- 8-question psychological questionnaire
- Identifies 6 consumer types: Emotional Buyer, Strategic Planner, Mindful Minimalist, Deal Hunter, Balanced Spender, Experience Collector
- Results stored locally in UserDefaults
- Used for personalized recommendations and insights
- Can retake quiz anytime to update your profileImpulse Control Tracking:
- Optional emotional state ratings before purchases
- 24-hour rule reminders for impulse purchases
- Impulse control score calculations
- All emotional data stored locally, never transmittedThis data is used exclusively for your personal insights and to improve your financial decision-making. We never collect, transmit, or share this sensitive psychological data.---## 9. Environmental Data (CO₂ Footprint)Consumii calculates your purchasing carbon footprint:- CO₂ emissions estimated based on product categories
- Uses standardized emission factors from environmental databases
- Calculations performed locally on your device
- Historical CO₂ data stored locally
- Disposal method tracking (recycle, donate, trash, sell)
- Sustainability insights based on your purchase patternsNo environmental data is transmitted to external servers. All calculations and insights are generated on-device.---## 10. Subscription & Payment ProcessingConsumii offers optional premium features via in-app subscription:Payment handling:
- Processed exclusively through Apple's StoreKit 2 framework
- We never see or store your payment information
- Apple handles all billing, payment, and subscription management
- Subscription validation happens locally on your device
- No payment data is transmitted to our serversSubscription types:
- Monthly: €0.99/month (com.consumii.promonthly)
- Yearly: €19.99/year (com.consumii.proyearly)
- Subscription Group ID: F170B326Data we receive from Apple:
- Subscription status (active/inactive) - stored locally
- No personal or payment informationFor subscription management, refunds, or billing questions, please refer to Apple's App Store policies or contact Apple Support.---## 11. Achievements & GamificationConsumii includes achievement tracking to motivate financial goals:- Achievement progress stored locally using SwiftData
- Milestone celebrations delivered via local notifications
- No leaderboards or social features (no data sharing)
- Achievement data includes: progress percentages, completion dates, categories
- All gamification calculations happen on-deviceYour achievement data is private and never shared with other users or external services.---## 12. No Network TransmissionConsumii operates completely offline (except for optional iCloud sync):- No data is sent to our servers (we don't have servers)
- No third-party analytics services
- No advertising networks
- No tracking pixels or beacons
- No crash reporting services
- No A/B testing frameworks
- No social media SDKsThe only network activity occurs if you enable iCloud sync, which communicates directly with Apple's iCloud servers using end-to-end encryption.---## 13. Third-Party ServicesWe do NOT use any third-party services that collect user data:- No analytics services (Google Analytics, Firebase, Mixpanel, etc.)
- No advertising networks (AdMob, Facebook Ads, etc.)
- No social media SDKs
- No user behavior tracking
- No crash reporting (Crashlytics, Sentry, etc.)
- No customer support tools that track usersApple services we use:
- StoreKit 2: For in-app subscriptions (Apple's payment system)
- CloudKit: For optional iCloud sync (Apple's cloud storage)
- UserNotifications: For local notifications (Apple's notification framework)
- VisionKit: For on-device document camera scanningAll Apple services operate under Apple's Privacy Policy and do not share data with third parties.---## 14. Data SecurityYour local data is protected by:- iOS app sandboxing (data isolated from other apps)
- Device encryption (when enabled via iOS settings)
- SwiftData secure storage
- No network exposure (offline-first architecture)
- Regular security updates via App Store
- App Group container security for widget data sharingIf your device is lost or stolen:
- Use iOS 'Find My' to remotely erase your device
- If iCloud sync is enabled, data remains in your iCloud account
- You can restore data on a new device via iCloud sync---## 15. Your Rights (GDPR Compliant)Since we don't collect your data, you have complete control:- Right to access: View all data directly in the app
- Right to rectification: Edit or update any data anytime
- Right to erasure: Delete items, clear all data, or delete the app
- Right to data portability: Export data via iOS sharing features
- Right to object: Disable features you don't want to use
- Right to restrict processing: Control which features process your data
- Right to withdraw consent: Revoke permissions in iOS SettingsHow to exercise your rights:
- Access data: Browse all features in the app
- Delete data: Swipe to delete items, or use 'Clear All Data' in Settings
- Export data: Use iOS share functionality
- Disable features: Turn off notifications, widgets, or iCloud sync in Settings---## 16. Data Retention- Data is retained on your device until you delete it
- Deleting an expense item immediately removes it from local storage
- Uninstalling the app permanently deletes all local data
- iCloud data persists in your iCloud account until manually deleted
- Widget data is deleted when you remove widgets from home screen
- No server-side data retention (we have no servers)---## 17. Children's Privacy (COPPA Compliant)Consumii is safe for users of all ages:- No data collection from anyone, including children under 13
- No online interactions or social features
- No advertising
- No location tracking
- Parents have complete visibility and control
- Compliant with COPPA (Children's Online Privacy Protection Act)We do not knowingly collect personal information from children under 13. The app does not collect any personal information from users of any age.---## 18. International Data TransfersSince all data is stored locally on your device:- No international data transfers occur
- Data travels with your device
- iCloud data may be stored in Apple data centers (subject to your Apple ID region)
- Apple handles all data sovereignty and compliance for iCloud---## 19. California Privacy Rights (CCPA)For California residents:- We do not sell your personal information
- We do not share personal information for cross-context behavioral advertising
- We do not collect personal information (as defined by CCPA)
- No opt-out required since we don't collect or sell data---## 20. Changes to Privacy Policy- Updates will be posted in the app with a new 'Last updated' date
- Material changes will be clearly highlighted in release notes
- Continued use of the app implies acceptance of updated policy
- Previous versions available upon request via email
- We will never reduce your privacy protections without clear notice---## 21. Contact InformationQuestions about privacy?
Email: [email protected]
We respond to all privacy inquiries within 48 hours.For GDPR-related requests:
Email: [email protected]For data protection officer contact:
Email: [email protected]
Contact:
Jürgen Geider
Address: Pfenningsbusch 24, 22081 Hamburg
---## 22. VerificationYou can verify our privacy claims by:- Checking your device's network usage in iOS Settings
- Reviewing iOS privacy indicators (orange/green dots)
- Using network monitoring tools (Charles Proxy, Wireshark)
- Inspecting app permissions in Settings > Privacy & Security
- Enabling iOS 'App Privacy Report' to see all data access
- Reviewing Apple's App Store privacy nutrition labels---## 23. Legal Basis for Processing (GDPR)Under GDPR, our legal basis for processing your data is:- Consent: You provide explicit consent when using features like camera access or notifications
- Contract: Processing necessary to provide the app service you requested
- Legitimate interest: Improving app functionality based on local usage patternsYou can withdraw consent at any time by disabling features or permissions in iOS Settings.---## SummaryConsumii is built on a foundation of privacy and user control. Your financial data, emotional insights, consumer profile, and all other information stays on your device. We don't collect, transmit, or sell your data. Period.---This Privacy Policy is effective as of October 27, 2025.By using Consumii, you agree to this Privacy Policy.---# Datenschutzerklärung (German)Letzte Aktualisierung: 27. Oktober 2025
Gültig ab: 27. Oktober 2025---## EinleitungConsumii ist eine datenschutzorientierte Ausgaben-App, die Ihnen hilft, Ihre Finanzen zu verwalten, ohne Ihre persönlichen Daten zu gefährden. Diese Datenschutzerklärung erklärt, welche Daten wir erfassen, wie wir sie verwenden und welche Rechte Sie bezüglich Ihrer Informationen haben.---## 1. Daten, die wir NICHT erfassenConsumii ist mit Datenschutz im Kern entwickelt. Wir erfassen NICHT:- Persönliche Informationen (Name, E-Mail, Telefon)
- Finanzkontodaten oder Bankzugangsdaten
- Standortdaten oder GPS-Koordinaten
- Browserverlauf
- Gerätekennungen zum Tracking
- Drittanbieter-Analysen oder Nutzungsdaten
- Daten, die Sie persönlich identifizieren könnten
- Werbe-Identifikatoren (IDFA)---## 2. Ausschließlich lokale DatenspeicherungAlle Ihre Daten bleiben auf IHREM Gerät mittels SwiftData und lokalem Speicher:- Ausgabenposten: Namen, Preise, Kategorien, Notizen, Kaufdaten
- Budgetinformationen: Einkommen, Ausgabenlimits, Kategoriebudgets
- Finanzverfolgung: Sparziele, Finanzierungs-/Kreditdetails, Zahlungsverlauf
- Fotos: Belegbilder und Artikelfotos
- Einstellungen: App-Präferenzen und Konfigurationen
- Emotionale Daten: Impulskontrollbewertungen, emotionale Zustände (nur lokal)
- Verbraucherprofil: Ergebnisse der Verbrauchertyp-Bewertung (nur lokal)
- Erfolge: Fortschritt, Meilensteine und Gamification-Daten
- Umweltdaten: CO₂-Fußabdruck-Berechnungen (nur lokal)
- Benachrichtigungspräferenzen: Timing, Häufigkeit und Engagement-Daten
- Artikel-Metadaten: Entsorgungsmethoden, Wiederverkaufswerte, Artikellebensdauer-Tracking
- Nutzungsmuster: Vollständig lokal, niemals übertragen---## 3. Widget-Datenfreigabe (nur auf dem Gerät)Consumii enthält 9 Homescreen-Widgets, die Ihre Finanzinformationen anzeigen:- Datenfreigabemethode: App-Gruppen-Container (group.jgeider.consumii)
- Speicherung: UserDefaults gemeinsam zwischen Haupt-App und Widgets
- Umfang: Nur zwischen Consumii-App und ihren eigenen Widgets
- Sicherheit: Geschützt durch iOS-Sandboxing, kein Drittanbiet