Privacy Policy for ClearDues

Effective Date: January 25, 2026
Last Updated: January 25, 2026

Our Philosophy

ClearDues was built on a simple principle: your financial data belongs to you, and only you.

In a world where every finance app demands access to your bank accounts and sends your data to remote servers, we took a different path. ClearDues operates entirely on your device, with zero servers, zero tracking, and zero data collection.

This isn't just marketing—it's how the app is fundamentally designed.

The Short Version

✅ All data stays on your device (stored locally with SwiftData)
✅ No servers - We don't operate any backend infrastructure
✅ No tracking - No analytics, no telemetry, no usage data collection
✅ No account required - No email, no password, no login
✅ No third-party services - No advertising networks, no data brokers
✅ Optional iCloud - If you enable sync, it uses your private iCloud (end-to-end encrypted)

We literally cannot access your data, even if we wanted to.

Information We Collect

None.

ClearDues does not collect, transmit, or store any personal information on external servers.

Information You Store Locally

When you use ClearDues, the following data is stored exclusively on your device:

Subscription Data

Subscription names, amounts, and renewal dates
Payment method information (card names and colors you assign)
Trial period information
Payment history (when you mark subscriptions as paid)

User Preferences

Your selected currency
App theme preferences (Light/Dark mode)
Notification settings
Face ID/Touch ID security preferences
Onboarding completion status

Location: All of this data is stored locally on your iPhone/iPad using Apple's SwiftData framework. It never leaves your device unless you explicitly enable iCloud sync (see below).

How We Use Your Data

We don't.

Because your data never reaches us, we have no ability to use, analyze, or access it.

Your data is used exclusively by the app on your device to:

Display your subscriptions and spending reports
Send you renewal reminders (if you enable notifications)
Sync your data across your devices (if you enable iCloud)
Populate widgets and Live Activities
Respond to Siri commands

Optional Features & Permissions

ClearDues requests the following permissions only when you use specific features. All are optional.

Camera (Bill Scanner)

Purpose: To scan receipts and automatically extract subscription details
How it works: Uses Apple's Vision framework to perform OCR (text recognition) entirely on-device
Data handling: Images are processed locally and never saved or transmitted
Permission: Only requested when you tap the "Scan Bill" button

Calendar

Purpose: To display your upcoming subscription renewals in Apple Calendar
How it works: Creates local calendar events on your device
Data handling: Events are stored in your Apple Calendar app, synced via your iCloud if enabled
Permission: Only requested when you enable calendar sync in Settings

Notifications

Purpose: To remind you before subscriptions renew
How it works: Local notifications scheduled by iOS
Data handling: Notification content is generated locally, not sent through external servers
Permission: Only requested during onboarding (you can skip)

Face ID / Touch ID

Purpose: To protect your financial data with biometric authentication
How it works: Uses Apple's LocalAuthentication framework
Data handling: Biometric data never leaves your device's Secure Enclave
Permission: Only requested when you enable "Require Face ID" in Settings

Siri & Shortcuts

Purpose: To let you check subscriptions and mark payments using voice commands
How it works: App Intents processed locally by iOS
Data handling: Voice data processed by Apple's Siri (see Apple's Privacy Policy), but subscription data stays local
Permission: Only requested when you use Siri features

iCloud Sync (Optional)

Purpose: To sync your subscriptions across your iPhone, iPad, and Mac
How it works: Uses your private iCloud account with CloudKit
Data handling: Data is end-to-end encrypted and stored in your personal iCloud storage
Important: Even with iCloud enabled, we cannot access your data—it belongs to your Apple account
Permission: Only enabled if you add the iCloud capability and sign in with your Apple ID

Third-Party Services

We use none.

ClearDues does not integrate with:

❌ Analytics services (Google Analytics, Firebase, etc.)
❌ Crash reporting tools
❌ Advertising networks
❌ Social media platforms
❌ Payment processors (we don't handle payments)
❌ Cloud storage providers (except your optional private iCloud)

Currency Exchange Rates

ClearDues fetches live currency exchange rates from a public API to display your spending in different currencies. This request:

Contains no personal information
Contains no identifiers
Is a standard HTTPS request to a public data source
Cannot be linked to you or your subscriptions

Data Sharing

We share nothing, because we have nothing to share.

Since your data never reaches our servers, there is no data for us to:

Sell to advertisers
Share with data brokers
Provide to analytics companies
Hand over to third parties

The only entity that can access your subscription data is you, on your device.

Data Security

Local Storage

All data is stored using Apple's SwiftData framework with iOS's built-in encryption
If you enable Face ID protection, access is additionally gated by biometric authentication
App content is automatically hidden in the iOS App Switcher to prevent shoulder-surfing

Network Security

The only network requests ClearDues makes are for currency exchange rates
All requests use HTTPS (TLS 1.3) encryption
No authentication tokens, API keys, or personal identifiers are transmitted

iCloud (If Enabled)

Data synced via iCloud uses Apple's end-to-end encryption
Encryption keys are derived from your device passcode and Apple ID
We do not have access to your iCloud data

Children's Privacy

ClearDues is not directed at children under 13. We do not knowingly collect personal information from children.

However, because ClearDues operates entirely on-device with no data collection, there is no risk of children's data being collected or transmitted, even if they use the app.

Age Rating: 4+ (suitable for all ages, per Apple's rating system)

Your Rights

Access Your Data

Your data is already accessible to you—it's stored locally on your device in the ClearDues app.

Delete Your Data

Delete individual subscriptions by swiping left in the app
Delete all data by uninstalling ClearDues from your device
If you enabled iCloud sync, also delete ClearDues data from iCloud Settings

Export Your Data

We do not offer a data export feature because your data never leaves your device. If you need to access the raw data, you can:

Take screenshots within the app
Use iOS's built-in iCloud backup (if enabled)

Opt-Out of Data Collection

There is nothing to opt-out of—we don't collect data in the first place.

⚠️ Important Notice About Future Changes

Current Status: ClearDues is currently free with zero data collection, zero ads, and zero tracking as described in this policy.

Future Possibility: If ClearDues is sold or ownership is transferred to another party, this privacy policy and the app's data practices may change. Any new owner may implement different data collection practices, analytics, advertising, or monetization strategies.

Your Protection: We commit to notifying all users via an in-app message before any such transfer occurs, and the new owner will be required to publish an updated privacy policy reflecting any changes to data practices.

Changes to This Policy

If we make changes to this privacy policy, we will:

Update the "Last Updated" date at the top
Publish the new version at https://cleardues.pbod.dev/privacy.html
Notify users via an in-app message (for significant changes)

Because we don't collect email addresses, we cannot send email notifications about policy changes.

International Users

ClearDues is available worldwide. Since all data is stored locally on your device:

GDPR (Europe): Fully compliant—your data never leaves your device
CCPA (California): Fully compliant—we don't sell personal information because we don't collect it
France: No ANSSI encryption approval needed—uses only standard Apple encryption

Legal Basis for Data Processing (GDPR)

Under GDPR, the legal basis for processing your data is:

Contract Performance: To provide you with subscription tracking functionality
Legitimate Interest: To improve app performance (all processing happens locally)
Consent: For optional features like notifications, calendar sync, and Face ID

Because all processing happens on your device, you maintain full control and ownership of your data at all times.

Contact Us

ClearDues is developed and maintained by Pavlo Bodnar.

If you have questions, concerns, or requests regarding this privacy policy, please contact:

Email: pavlo@pbod.dev
Website: https://pbod.dev
App Website: https://cleardues.pbod.dev

Open Source & Transparency

ClearDues is committed to transparency. While the app is not currently open source, we maintain detailed technical documentation explaining our privacy-first architecture.

Technical Details:

Storage: SwiftData (Apple's local database framework)
Encryption: iOS standard encryption (AES-256)
Authentication: LocalAuthentication framework (Face ID/Touch ID)
Vision: On-device OCR via Vision.framework
Sync: CloudKit (your private iCloud)
No Backend: Zero server-side code

Attribution

This privacy policy was last reviewed by a human (not generated by AI) and is designed to be both legally compliant and genuinely understandable.

We believe privacy policies should be honest, transparent, and written in plain language—not legal jargon designed to obscure the truth.

Summary

ClearDues in one sentence:
A privacy-first subscription tracker where all your data stays on your device, no servers involved, no tracking, no data collection, period.

Privacy Promise:
We built ClearDues the way we'd want a finance app to work—complete control, zero compromise.

Last Updated: January 25, 2026
Effective Date: January 25, 2026
Version: 1.0