1. Introduction

This Privacy Policy describes how Five Cents ("App") collects, uses, and discloses your information when you use the App. By using the App, you agree to the collection and use of information in accordance with this Privacy Policy.

2. No Collection of Personal Data

Five Cents does not collect, store, or process any personal information from users. The App operates entirely on your device, and all data entered into the App (such as financial transactions, income, expenses, notes, and categories) is stored locally on your device or within your iCloud account if enabled. We do not have access to any of your data.

3. Use of Third-Party Services

Although the App itself does not collect any personal data, it integrates with the following third-party services for specific functionalities:

• Open Exchange Rates: This service is used to fetch the most recent currency exchange rates. No personal data is shared with this service, as it operates without user identifiers.
• RevenueCat: This service is used to manage in-app purchases and subscriptions. RevenueCat assigns random, non-personal identifiers to users to manage purchase-related activities. RevenueCat does not collect or store any personally identifiable information (PII).

Please refer to the privacy policies of these services for further information on their data handling practices:

• Open Exchange Rates: Privacy Policy
• RevenueCat: Privacy Policy

4. Data Storage and Security

All financial data entered into the App (e.g., expenses, income, and notes) is stored locally on your device. If you use iCloud to back up your data, the storage and security of that data are governed by Apple’s iCloud terms and policies. Five Cents does not store or have access to your financial data.

5. No User Accounts or Registration

Five Cents does not require you to create a user account, nor does it involve any registration process. This means that we do not collect email addresses, passwords, or any other personally identifiable information that could be associated with your identity.

6. Data Sharing and Disclosure

Since no personal data is collected, Five Cents does not share, sell, or transfer your information to third parties. Any data you input into the App is kept solely on your device or within your iCloud account, and is never shared with us or any third party.

7. User Rights (GDPR Compliance)

If you are a user in the European Union, the General Data Protection Regulation (GDPR) provides specific rights regarding your personal data. However, since Five Cents does not collect or process personal data, these rights are not applicable to the App. Any data stored in the App is under your full control, and you can delete it directly from your device at any time.

8. Children’s Privacy