Privacy Policy – CashChum

Effective Date: October 31, 2025

CashChum is designed with privacy at its core. This policy explains how your financial data and personal information are handled within the app.

1. No Cloud Data Collection

CashChum does not collect, store, or transmit your personal or financial information to external servers. All savings records, spending data, and analytics are stored locally on your device using Apple’s secure Core Data framework.

2. On-Device AI Processing

All budgeting insights, savings suggestions, and AI interactions are processed directly on your device. None of your financial inputs or AI conversations are sent to or stored on external servers.

3. Data Security

Your financial data, preferences, and AI interactions are securely stored on your device. You can delete this data anytime from within the app or by uninstalling CashChum. We never access, share, or sell your information.

4. Subscriptions and Payments

All in-app purchases and subscriptions are processed through Apple’s App Store using your Apple ID. CashChum does not store or have access to your payment information.

5. No Third-Party Tracking

CashChum does not include any third-party analytics, tracking, or advertising SDKs. The app operates entirely with a privacy-first design to protect your personal and financial data.

6. User Control

You have complete control over your data. You can delete savings records, reset your AI preferences, or uninstall the app to remove all associated data from your device.

7. Contact

If you have any questions or concerns about this privacy policy, please contact us at kpappworx@gmail.com.

By using CashChum, you agree to this privacy policy.