Privacy Policy

Credit Card Cycle · Last updated June 9, 2026

Credit Card Cycle is developed by Byron Mejia. This Privacy Policy explains how the app collects, uses, stores, and protects your information. In short, your data stays on your device and is never sold, shared, or used for advertising purposes.

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Data We Collect

The app stores the following information exclusively on your device:

Credit card details (such as card name, credit limit, billing cycle dates, available balance, and related card information)
Transactions you record manually
Monthly billing cycle snapshots and historical records
App preferences, settings, and notification configurations

We do not collect analytics, crash reports, usage statistics, tracking information, or personal information.

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iCloud Sync Optional

If you enable iCloud Sync, your card and transaction data is stored in your personal iCloud account using Apple's CloudKit service.

This information is synchronized through your Apple ID and is governed by Apple's privacy practices. We do not have access to, control over, or visibility into your iCloud data.

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On-Device AI

The app may use Apple's Foundation Models framework to generate optional financial insights based on your stored card and transaction data.

All AI processing occurs entirely on your device. Your financial information is never transmitted to external servers or third parties for AI processing.

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Notifications

With your permission, the app may send local notifications to remind you about billing cutoff dates, payment due dates, and other card-related events.

These notifications are generated and processed entirely on your device. No notification data is transmitted externally.

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Siri, Shortcuts & Widgets

The app integrates with Siri, Apple Shortcuts, App Intents, and Home Screen widgets. Any information processed through these features is handled locally on your device through Apple's frameworks.

No data is transmitted to external servers through these integrations.

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No Third Parties

The app does not include advertising SDKs, analytics platforms, tracking technologies, marketing tools, or third-party data collection services.

We do not sell, share, rent, or disclose your personal information to any third party.

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Data Retention

Your information remains stored on your device until you choose to modify or delete it.

If iCloud Sync is enabled, synchronized information remains in your personal iCloud account until you delete it or disable synchronization.

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Data Deletion

You can delete individual cards, transactions, and billing history directly within the app.

You may also remove all locally stored information by deleting the app from your device.

If iCloud Sync is enabled, you can manage or delete synchronized data through your Apple ID and iCloud settings.

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Children's Privacy

The app is not intended for children under the age of 13 and does not knowingly collect personal information from children.

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Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page and the "Last updated" date will be revised accordingly.

Questions about this Privacy Policy? Contact us