Privacy Policy

Smart Credit Ledger is designed with your privacy in mind. We believe your financial data should stay under your control. Your data is stored on your device and syncs across your own devices using Apple's iCloud (CloudKit) — it is never sent to VDTKM Labs or any other third party.

What we don't do
  • We don't collect any personal information
  • We don't have servers that receive or store your data
  • We don't use analytics or tracking
  • We don't share your information with anyone
  • We don't sell or monetize your data in any way
  • We don't use third-party services other than Apple iCloud for syncing your own data between your own devices
What we do
  • Store all your data locally on your device
  • Sync your data across your devices using Apple iCloud (CloudKit), within your own private iCloud account
  • Let you export your data when you want to
  • Let you import data from files you choose
  • Send local notifications (only on your device)
  • Keep everything private and secure
Your data — what's stored on your device and synced via iCloud
  • Credit card information you enter
  • Household member details
  • Notification preferences
  • App settings
How it's protected
  • Stored on your device, and synced only within your own private iCloud account
  • Uses your device's built-in security
  • iCloud sync relies on Apple's CloudKit private database, which only your signed-in devices can access
  • VDTKM Labs never has access to your synced data
  • You control everything
Data export/import
  • Export: creates a file on your device with your data
  • Import: reads files you select from your device
  • You choose when and how to transfer your data
  • We never see or process your files
Notifications
  • Local notifications only, on your device
  • You can turn them on/off anytime
  • No external notification services
Your rights
  • Access all your data anytime
  • Delete anything you want
  • Export your data whenever
  • Delete the app and all data, including turning off iCloud sync for the app in your device settings
Data retention
  • Your data stays on your device and in your private iCloud account as long as you use the app
  • Delete the app and disable iCloud sync for it = delete all data
  • No automatic deletion
Children's privacy
  • This app is not intended for children under 13. We don't collect any information from anyone.
International users
  • Your data stays on your device and within your own private iCloud account
  • We do not transfer your data across borders ourselves
  • Apple's iCloud handles storage of your synced data in accordance with Apple's own privacy practices
  • Follows your local privacy laws

By using Smart Credit Ledger, you understand that your data stays on your device and under your control. Questions? Contact support.