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Privacy Policy for Apex FIRE Planner

Effective date: August 17, 2026

This Privacy Policy explains how Apex FIRE Planner (the "App") handles information. The App is designed around a simple principle: the personal and financial information you enter into the App stays on your device and is not uploaded to our servers.

1. Scope

This Privacy Policy applies to the Apex FIRE Planner mobile application. It does not govern the independent privacy practices of Apple, Google, RevenueCat, Cloudflare, or a storage provider or other destination that you choose for an exported backup.

2. Information You Enter into the App

The App may ask you to enter information needed to build your financial independence plan, including:

• your birth year;
• assets, debts, income, expenses, and future expenses;
• currencies and financial-planning assumptions; and
• snapshots, notes, and other plan information you choose to add.

This information is processed locally on your device. It is not transmitted to us, RevenueCat, the App's exchange-rate service, or any advertising or analytics provider. In particular, your birth year is used only on your device to calculate age-based projections.

The App does not require you to create an Apex FIRE Planner account or explicitly sign in. We do not ask for or collect your name, email address, phone number, mailing address, or similar contact information through the App.

3. Local Storage and Backups

Your plan is stored in an encrypted local vault on your device. Because we do not receive or maintain a copy of it, we cannot view, recover, synchronize, correct, export, or delete your plan for you.

If you use the App's backup feature, the App creates a passphrase-protected encrypted backup file. You decide whether to create a backup and where to save or share it. The backup does not include your RevenueCat subscription identifier. Once you export a backup, its storage, retention, deletion, and disclosure are controlled by you and by any destination or service you select. Keep your passphrase secure; we cannot recover a lost passphrase or decrypt your backup for you.

4. Limited Service Data Processed Online

Although the information you enter into your plan stays on your device, limited technical and purchase-related data must be processed online to provide subscriptions, purchase restoration, and optional online exchange rates.

4.1 Purchases and subscriptions

The App uses RevenueCat to manage in-app purchases, subscription status, entitlements, and purchase restoration. The applicable app store, such as Apple's App Store or Google Play, processes the payment itself. We do not receive your full payment-card details.

The App uses a randomly generated, anonymous RevenueCat App User ID and does not send RevenueCat your name, email address, birth year, financial plan, or backup. Depending on the platform and transaction, RevenueCat and the applicable app store may process:

• the anonymous App User ID;
• purchase and subscription information, such as product, status, renewal, receipt, or purchase token information;
• device and technical information, such as device type, operating system, app version, IP address, and activity timestamps; and
• information needed to prevent fraud, restore purchases, provide customer support, and comply with law.

For more information, review the RevenueCat Privacy Policy, Apple Privacy Policy, and Google Privacy Policy.

4.2 Online exchange rates

If the App requests online exchange rates, the request may include:

• the base and requested currency codes;
• a randomly generated installation identifier;
• the device platform and an app-release credential; and
• a short-lived proof of an active Premium subscription.

To create that short-lived proof, our exchange-rate service briefly receives the anonymous RevenueCat App User ID and checks the related entitlement with RevenueCat. The service stores only a cryptographic hash of that identifier together with limited subscription-verification information, rather than the original identifier. It does not receive your birth year, account balances, transaction values, income, expenses, projections, notes, or backup files.

The exchange-rate service uses Cloudflare infrastructure. As with most internet services, Cloudflare may process network and request information, including an IP address, to transmit, secure, and operate the service. Operational records and aggregate metrics may include the requested service route, request method, response status, timing, cache status, environment, and app-release identifier. They do not include the financial values or other plan information you entered. See the Cloudflare Privacy Policy for more information.

5. How Limited Service Data Is Used

We and our service providers use the limited service data described above only as reasonably necessary to:

• process, verify, and restore purchases and subscriptions;
• unlock and maintain Premium features;
• provide requested exchange rates;
• protect the App and its services against fraud, abuse, and security threats;
• diagnose failures and maintain service reliability; and
• meet legal obligations and enforce applicable terms.

Where applicable law requires a legal basis, this processing is based on performing our agreement with you, our legitimate interests in operating and securing the App, compliance with legal obligations, or consent where specifically requested.

6. No Advertising, Sale, or Behavioral Tracking

The App contains no advertising. We do not use advertising identifiers, advertising SDKs, or third-party behavioral tracking. We do not sell personal information or share it for cross-context behavioral advertising. The App does not include a product-analytics or crash-reporting SDK. Limited operational monitoring of the exchange-rate service is used only for security, reliability, and performance.

7. Disclosure of Information

We do not disclose information you enter into your plan because we do not receive it. Limited service data may be disclosed:

• to RevenueCat, Apple, Google, and Cloudflare for the purposes described in this Policy;
• to professional advisers or infrastructure providers subject to appropriate confidentiality and data-protection obligations;
• when reasonably necessary to comply with law, legal process, or a valid governmental request, or to protect rights, safety, and security; or
• in connection with a merger, acquisition, financing, reorganization, or sale of the App, subject to applicable law and this Policy.

8. Retention and Deletion

Information in your plan remains on your device until you remove it through the App, clear the App's data, or uninstall the App, subject to your device's operating-system behavior. The App's Remove My Data control deletes the local plan, history, encryption key, installation identifier, and cached exchange rates from that device.

Deleting local App data does not:

• delete backup files that you previously exported;
• cancel an active subscription; or
• erase transaction and subscription records maintained by Apple, Google, or RevenueCat.

You must delete exported backups from their chosen destinations yourself. You can manage or cancel a subscription through the store where you purchased it. RevenueCat, Apple, Google, Cloudflare, and any backup destination retain and delete information under their own policies and legal obligations.

We retain limited exchange-rate service records only for as long as reasonably necessary for subscription verification, security, rate limiting, troubleshooting, legal compliance, and service operation. We may retain aggregated or de-identified information that does not reasonably identify an individual.

9. Security

The App uses technical safeguards intended to protect locally stored information, including AES-256-GCM encryption and platform-protected key storage where supported. Exported backups are encrypted using the passphrase you choose. Online connections use transport encryption.

No storage or transmission method is completely secure. You are responsible for protecting your device, device credentials, backup files, backup destinations, and backup passphrases.

10. Children's Privacy

The App is a financial-planning tool intended for a general adult audience and is not directed to children under 13 or the minimum age required by local law. We do not knowingly collect personal information from children. A birth year entered into the App remains on the device and is not sent to us. If you believe a child has provided personal information to one of our online services, contact us using the details below.

11. Your Privacy Rights and Choices

Depending on where you live, you may have rights concerning personal information, such as rights to access, correct, delete, restrict or object to processing, withdraw consent, or receive a portable copy.

You can directly view, change, export, and delete the plan stored on your device. Because we cannot access or identify your local plan, we cannot fulfill a request concerning that local information on your behalf. Requests concerning app-store or RevenueCat records may require the anonymous subscription Support ID shown in the App and may also need to be directed to the relevant provider.

You may contact us to exercise an applicable right regarding limited service data. We may need information sufficient to verify and locate the relevant record. You may also have the right to complain to your local data-protection authority.

12. International Processing

RevenueCat, Apple, Google, Cloudflare, and their service providers may process limited service data in countries other than the one where you live. Those countries may have different data-protection laws. Any such processing is governed by the safeguards and terms described in the relevant provider's privacy policy and by applicable law.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes to the App, our service providers, or applicable law. We will update the effective date above and provide any additional notice required by law. Your continued use of the App after an update is subject to the revised Policy.

14. Contact Us

For privacy questions or requests, contact the developer of Apex FIRE Planner at:

Email: [INSERT PRIVACY OR SUPPORT EMAIL BEFORE PUBLICATION]