# Privacy Policy
**Last updated:** February 28, 2025
**Rate Radar** ("we", "our", or "the app") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Rate Radar mobile application on iOS or Android.
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## 1. Information We Collect
### 1.1 Information You Provide
- **Simulation data:** When you use the "My Money" simulator (loan amount, interest rate, term, savings), this data may be stored locally on your device. We do not require an account to use the app.
- **Preferences:** Your chosen language and theme (e.g. light/dark) are stored on your device.
### 1.2 Information Collected Automatically
- **Device information:** Device type, operating system version, and a unique device or app identifier may be collected by our service providers (e.g. for in-app purchases and analytics).
- **Usage data:** We may collect anonymised or pseudonymised information about how you use the app (e.g. which screens you open, feature usage) to improve the product. This may include events such as viewing the paywall, using the simulator, or opening rate alerts.
- **In-app purchase data:** If you subscribe to Rate Radar Premium, purchase and subscription status are processed by Apple (iOS) or Google (Android) and by our subscription provider (e.g. RevenueCat). We do not store your payment card details; payment is handled entirely by the store.
### 1.3 Information We Do Not Collect
- We do not collect your name, email, or phone number unless you voluntarily provide them (e.g. in support).
- We do not sell your personal data to third parties.
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## 2. How We Use Your Information
We use the information we collect to:
- Provide, maintain, and improve the app (e.g. central bank rates, macro data, AI-generated insights, and the mortgage/savings simulator).
- Process and manage subscriptions and restore purchases.
- Understand usage patterns and fix errors (analytics and crash reporting).
- Comply with applicable laws and respond to lawful requests.
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## 3. Legal Basis (where applicable)
If you are in the European Economic Area (EEA) or UK:
- We process your data based on your consent (where we ask for it), to perform our contract with you (e.g. providing the app and subscription), and for our legitimate interests (e.g. improving the app and security), where permitted by law.
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## 4. Sharing and Disclosure
We may share information:
- **With service providers** that help us operate the app (e.g. cloud hosting, subscription and analytics providers). These providers are bound by confidentiality and data protection obligations.
- **With Apple and Google** as part of in-app purchase and subscription processing.
- **When required by law** (e.g. court order, government request) or to protect our rights, safety, or property.
We do not sell or rent your personal information to third parties for their marketing.
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## 5. Data Retention
- **On-device data:** Preferences and local simulation data remain on your device until you uninstall the app or clear app data.
- **Subscription and usage data:** We retain data only as long as necessary to provide the service, handle disputes, and comply with legal obligations (e.g. tax and accounting).
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## 6. Security
We use industry-standard measures to protect your data (e.g. encryption in transit). No method of transmission or storage is 100% secure; we encourage you to keep your device and app updated.
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## 7. Your Rights
Depending on where you live, you may have the right to:
- **Access** the personal data we hold about you.
- **Correct** inaccurate data.
- **Delete** your data (subject to legal exceptions).
- **Object** to or **restrict** certain processing.
- **Data portability** (e.g. a copy of your data in a machine-readable format).
- **Withdraw consent** where processing is based on consent.
- **Complain** to a supervisory authority (e.g. in the EEA/UK).
To exercise these rights, contact us at the email address below.
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## 8. Children
Rate Radar is not directed at children under 13 (or higher age where required). We do not knowingly collect personal data from children. If you believe we have collected such data, please contact us and we will delete it.
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## 9. International Transfers
Your data may be processed in countries outside your residence (e.g. United States, European Union). We ensure appropriate safeguards (e.g. standard contractual clauses or adequacy decisions) where required by law.
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## 10. Third-Party Services
The app may use:
- **Apple App Store / Google Play** for downloads and in-app purchases.
- **RevenueCat** (or similar) for subscription management.
- **Supabase** (or similar) for backend services (e.g. rates and macro data).
- **Analytics and crash reporting** (if enabled).
Each of these has its own privacy policy. We encourage you to read them.
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## 11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy in the app or on our website and updating the "Last updated" date. Your continued use of the app after changes constitutes acceptance of the updated policy.
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## 12. Contact Us
If you have questions about this Privacy Policy or your data, contact us at:
**[Your contact email]**
**[Your company/developer name]**
**[Optional: physical address or support URL]**
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*This document is for informational purposes. You may wish to have it reviewed by a legal professional before publication.*