Legal

Privacy Policy

Last updated: February 11, 2026

Credit Buddy ("we," "our," or "the app") helps you track credit card benefits and rewards. This policy explains what information the app stores, how it is handled, and your choices.

What data the app stores

Credit Buddy stores the information you enter, including credit card names, benefit details, reward account balances, and calculator history.

This data is stored locally on your device using Apple's SwiftData framework.

iCloud sync (optional)

If you enable iCloud sync, your app data is stored in your personal iCloud account via Apple's CloudKit so it can sync across your own devices.

We do not have access to your iCloud data.

What we collect

We do not collect, transmit, or store your app data on our servers. Credit Buddy does not require an account and does not include third-party analytics or ad tracking SDKs.

Third-party services

Credit Buddy only communicates with Apple services required for core app features:

• Apple iCloud (CloudKit): Only when you enable sync. Governed by Apple's Privacy Policy.
• Apple StoreKit: Used for optional Credit Buddy+ purchases and managed by Apple.

Permissions

Credit Buddy may request access to notifications (for reminders) and calendar (for benefit deadline events). These permissions are optional and can be changed in iOS settings at any time.

Data deletion

You can delete your data in the app settings at any time. Deleting the app removes local data. If iCloud sync is enabled, synced data can also be removed from iCloud account settings.

Children's privacy

Credit Buddy is not directed to children under 13, and we do not knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. If we do, the "last updated" date above will change.

Contact

Questions about this policy can be sent to support@creditcaddy.app.