Privacy Policy

1. Overview

Duly ("the App") is a minimalist iOS application for tracking recurring expenses. This Privacy Policy describes how Duly handles information when you use the App. Duly was designed to work without collecting any personal data.

By using Duly, you agree to the terms described in this policy. If you do not agree, please discontinue use of the App.

2. Information We Do Not Collect

Duly does not collect, process, or transmit any of the following:

• Personal identification information (name, email, phone number, address)
• Financial account information or bank details
• Device identifiers or advertising IDs
• Location data
• Usage analytics or behavioral data
• Crash reports sent to third-party services
• Any data through third-party SDKs or analytics platforms

We have no user accounts, no registration process, and no backend servers that store your information.

3. Data Storage

All data you enter into Duly — your expenses, categories, settings, and preferences — is stored exclusively on your device using Apple's SwiftData framework, a local on-device storage system provided by Apple.

Your data never leaves your device unless you have iCloud sync enabled, in which case it is synced through your personal iCloud account as described in Section 4.

4. iCloud Sync

Duly offers optional iCloud synchronization to keep your data consistent across your Apple devices (iPhone, iPad, Mac). If you use this feature:

• Your data is synced using Apple's CloudKit framework through your personal iCloud account
• The sync is end-to-end encrypted and managed entirely by Apple
• Duly has no access to your iCloud data — only you and your devices can read it
• You can disable iCloud sync at any time in your device's Settings

Apple's handling of iCloud data is governed by Apple's Privacy Policy.

5. Currency Exchange Rates

Duly supports displaying expenses in your chosen base currency. To provide up-to-date exchange rates, the App may make anonymous network requests to a public currency exchange rate API.

These requests:

• Do not include any personal information or device identifiers
• Do not transmit your expense data or financial information
• Are standard anonymous HTTP requests for publicly available exchange rate data

No data from these requests can be used to identify you.

6. Push Notifications

Duly uses Apple's local push notification system to remind you before upcoming payments. These notifications are:

• Scheduled entirely on your device — no network request is made to send them
• Never transmitted to external servers
• Fully under your control via iOS Settings

We do not use remote push notifications (APNs) or any third-party push notification services.

7. Third-Party Services

Duly does not integrate any third-party analytics, advertising, tracking, or crash reporting services. There are no third-party SDKs embedded in the App that could collect data about you or your usage.

The only external service involved is the App Store, which is governed by Apple's own privacy practices.

8. Children's Privacy

Duly does not knowingly collect personal information from children under the age of 13. Since the App collects no personal information from anyone, this isn't applicable.

9. Data Deletion

To delete your data, simply delete the App from your device. All locally stored data will be removed. If you have iCloud sync enabled, you can also delete the associated iCloud data through iOS Settings → [Your Name] → iCloud → Manage Account Storage.

Because we have no servers, there is no data to request deletion of from us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected with an updated "Last updated" date at the top of this page. Check this page occasionally to stay up to date. Continued use of the App after changes constitutes acceptance of the revised policy.

11. Contact

If you have questions about this Privacy Policy or Duly's privacy practices, please reach out: