Ready Ledger Privacy Policy

Introduction

Ready Ledger ("we," "our," or "the app") is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Ready Ledger.

Information We Collect

Ready Ledger does not collect, transmit, or store any of your personal data on external servers. All data you enter into the app is stored locally on your device and, if you choose to enable iCloud sync, in your personal iCloud account managed by Apple.

Data Stored Locally

The app allows you to store the following types of information locally on your device:

• Career Information: Job applications, employment records, skills, certifications, courses, achievements, and network contacts
• Financial Information: Bills, payments, bank account balances, transactions, receipts, and expense records
• Personal Content: Notes, journal entries, mood tracker entries, voice memos, photos, and documents you choose to attach
• Schedule Information: Interviews, reminders, and calendar events
• Profile Information: Your name, contact information, and profile photo (if provided)

How We Use Your Information

Your information is used solely for app functionality:

• To display your career, financial, and personal tracking data within the app
• To sync your data across your devices via iCloud (if enabled)
• To provide reminders and notifications you configure
• To generate reports and analytics within the app
• To index your data for on-device search via Spotlight (no data leaves your device)
• To provide motivational notifications and progress tracking within the app
• To enable Handoff and Continuity features across your Apple devices
• To display widgets and live activities on your home screen and lock screen
• To execute Siri commands and Shortcuts automations you configure

Data Storage and Security

Local Storage: All app data is stored on your device using Apple's SwiftData framework with built-in encryption.

iCloud Sync: If you enable iCloud sync, your data is transmitted to and stored in your personal iCloud account. This data is encrypted in transit and at rest by Apple. We do not have access to your iCloud data.

On-Device Processing: Features like speech recognition, receipt scanning, and search indexing process data on your device whenever possible. No data from these features is transmitted to external servers.

Location Data: If you enable location-based reminders, location data is used only to trigger local notifications and is not stored or transmitted to external servers.

No Third-Party Access: We do not share, sell, or transmit your data to any third parties.

Third-Party Services

Ready Ledger does not integrate with any third-party analytics, advertising, or tracking services. The app uses only Apple's native frameworks:

• iCloud for optional data sync
• StoreKit for in-app subscriptions
• Apple Calendar, Reminders, Notes, and Contacts (with your permission)
• VisionKit for receipt scanning
• Speech Recognition for voice memo transcription (on-device when possible)
• Core Location for location-based reminders (optional)
• Core Spotlight for on-device search indexing
• Handoff/Continuity for seamless device transitions
• SiriKit and Shortcuts for voice commands and automation
• WidgetKit for home screen widgets
• Live Activities for real-time updates
• Files app integration for document access

Permissions

The app may request the following permissions, which you can grant or deny:

• Camera: To scan receipts for expense tracking
• Photo Library: To attach photos and documents
• Microphone: To record voice memos
• Speech Recognition: To transcribe voice memos to text (on-device processing when possible)
• Location Services: To enable location-based reminders for bills and interviews (optional)
• Calendar: To sync interview dates and job events
• Reminders: To create task reminders
• Contacts: To link network contacts with your address book
• Face ID/Touch ID: For secure app access (optional)
• Notifications: To send reminders and alerts
• Files Access: To save and access documents through the Files app
• Siri & Shortcuts: To create voice commands and automation workflows

All permissions are optional, and the app will function with limited features if permissions are denied.

Data Retention and Deletion

You have complete control over your data:

• All data can be deleted directly within the app
• Deleting the app removes all local data from your device
• iCloud data can be deleted through your iCloud settings
• We do not retain any copies of your data

Children's Privacy

Ready Ledger is not intended for use by children under 13 years of age. We do not knowingly collect personal information from children under 13.

In-App Purchases

Ready Ledger offers optional subscription purchases through Apple's App Store. All payment processing is handled by Apple, and we do not collect or store your payment information. Subscription information is managed through your Apple ID account.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the app and on this page with an updated "Last Updated" date. Your continued use of the app after changes constitutes acceptance of the updated policy.

Your Rights

Since all data is stored locally on your device and in your personal iCloud account, you have complete control over your information:

• Access: View all your data within the app
• Correction: Edit any information directly in the app
• Deletion: Delete any or all data at any time
• Export: Export your data in various formats (PDF, CSV)

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA). However, since Ready Ledger does not collect or sell personal information, these rights are not applicable. All your data remains under your control on your device.

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Consent

By using Ready Ledger, you consent to this Privacy Policy.