eWealth Privacy Policy

Last updated: 2025-09-12

This Privacy Policy describes how eWealth (the “App”) processes information when you use our Apple‑only wealth tracking application. The App uses SwiftUI, SwiftData and CloudKit/iCloud, and does not operate any third‑party servers.

1) Who We Are and How to Contact Us

Controller: [Arno Nan]
Contact: [yqngreat@gmail.com]

2) What We Process (Categories of Data)

Data is created and controlled by you. Typical records include:

Account: name, institution, currency, type, active status, created time
ValuationSnapshot: date, market value, currency, optional notes, account link
ExternalCashflow: date, direction (IN/OUT), amount, currency, category/subcategory, notes, account link
FxRate: date, fromCurrency, toCurrency (base), rate (maintained by you; manual or CSV)
Settings: base currency and display preferences
MonthlyAggregate: optional derived summaries for performance
Technical: minimal device/OS metadata needed to operate iCloud sync (handled by Apple’s frameworks; we do not build our own telemetry)

3) Sources of Data

You: manual entry or import (e.g., CSV for FX)
System frameworks: Apple iCloud/CloudKit/SwiftData services that enable sync/storage (no third‑party ingestion by us)

4) Purposes of Processing

Provide and operate App features (recording accounts, snapshots, cashflows)
Compute local analytics and charts (e.g., monthly income/expense, TWR)
Sync across your devices via iCloud; optionally share via CKShare
Maintain settings and preferences

5) Legal Bases (EEA/UK users)

Performance of a contract: to provide the App’s core functionality you request
Legitimate interests: securing the App, preventing abuse, providing expected functionality
Consent: where you opt‑in to optional features (e.g., sharing via CKShare)
Compliance with legal obligations: when we must retain or disclose information by law

6) Sharing and Disclosure

Apple iCloud/CloudKit: infrastructure provider for storage/sync and sharing; Apple processes data under its terms and privacy policies
CKShare recipients: only those Apple IDs you explicitly invite (read‑only or co‑edit). You control scope and can revoke access at any time
No sale or sharing for advertising; no third‑party analytics SDKs

7) International Transfers

iCloud storage and transfers are managed by Apple. Regions and cross‑border transfers are subject to Apple’s terms and safeguards

8) Security

Encryption: iCloud encryption in transit and at rest; optional additional local encryption for sensitive fields with keys in Keychain
Limitations: no method is 100% secure; we follow Apple’s security model and best practices

9) Your Choices and Controls

Create, view, edit and delete records
Configure base currency and preferences
Import/export FX or historical data (if supported)
Manage CKShare invitations and permissions
Delete shared portfolios: we remove mirrored/shared data where possible; recipients may retain device caches per Apple/iCloud behavior

10) Data Retention and Deletion

We do not run servers; your data persists on your device and in your iCloud until you delete it
Backups retained by Apple/iCloud or your device may persist for limited periods per Apple policies

11) Children’s Privacy

The App is not directed to children under 13. We do not knowingly collect information from children

12) Region‑Specific Rights

EEA/UK: You may have rights to access, rectify, erase, restrict or object to processing, and data portability. You may withdraw consent at any time (where applicable). You can also lodge a complaint with your local data protection authority
California (CCPA/CPRA): We do not “sell” or “share” personal information for cross‑context behavioral advertising. You may have rights to know, delete, correct, and limit use of sensitive information, and to not be discriminated against for exercising your rights
How to exercise: Contact us at [privacy@e-studio.ai]. We may ask you to verify your request

13) Automated Decision‑Making

None. The App does not engage in automated decision‑making producing legal or similarly significant effects

14) Changes to This Policy

We may update this Policy to reflect product or legal changes; we will update the “Last updated” date and may provide in‑app notice or release notes

15) Contact

Email: [privacy@e-studio.ai]
If you share portfolios with others, consider what information is included before inviting collaborators. Your data remains yours; the App processes it solely to provide features you choose to use.