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Privacy Policy

Effective Date: March 8, 2026 App: Winnie Operator: Winnie, a sole proprietorship operated by Austin Beckett Contact: support@winnie-app.com

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At a Glance

Winnie is a personal financial planning app. Here is what you should know upfront:

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1. Information We Collect

Account Information

When you create an account, we collect:

Passwords are hashed and managed by Firebase Authentication. We never store or have access to your password in plain text.

Profile Information (Optional)

You may optionally provide:

All profile fields are optional and can be left blank or set to "Prefer not to share."

Financial Information (User-Entered)

You may enter financial information including:

All financial data is entered manually by you. Winnie does not connect to banks, brokerages, credit cards, or any external financial service. We have no access to your actual account balances, transactions, or financial accounts.

Preference Data (Local Only)

The following preferences are stored on your device in UserDefaults and are never transmitted to our servers:

Notification Preferences

If you enable weekly savings reminders, your preferred day and time are stored in your account to schedule local notifications on your device. Winnie does not use remote push notifications.

Guest Mode

If you use Winnie without creating an account, a random session identifier is stored on your device in UserDefaults. This identifier is used only to associate your local data within the app. No account is created, no data is transmitted to any server, and the identifier has no connection to your identity.

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2. What We Do Not Collect

Winnie does not collect any of the following:

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3. How We Use Your Information

We use your information for the following purposes only:

What We Do Not Use Your Information For

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4. Partner Data Sharing

Winnie allows two people to link their accounts as partners to plan finances together. When you link with a partner:

Shared between partners: - Display name and avatar - Savings goals (names, target amounts, current balances, contributions) - Savings plans and projections - Activity history (contributions, goal completions) - Financial profile (income, savings rate)

Never shared with your partner: - Secret goals — goals you mark as secret are enforced as private by our database security rules. Your partner cannot see, access, or know about them. This is not just a UI setting; it is enforced at the database level. - Your email address - Your password or authentication credentials

Both partners consent to data sharing when they link their accounts via invite code. Either partner can leave the partnership at any time.

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5. How We Store Your Data

Guest Mode

In guest mode, all data is stored locally on your device using SwiftData (Apple's on-device database). This data:

Authenticated Mode

When you create an account, your data is stored in Google Cloud Firestore:

Security Measures

Logging

Winnie uses Apple's `os.log` framework for on-device diagnostic logging during development. These logs:

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6. Third-Party Services

Winnie uses the following third-party services:

| Service | Provider | Purpose | Data Shared | |---------|----------|---------|-------------| | Firebase Authentication | Google | User sign-in and account management | Email, display name | | Cloud Firestore | Google | Cloud database for authenticated users | All user-entered data | | Firebase App Check | Google | Verify authentic app requests | Device attestation token | | Cloud Functions for Firebase | Google | Server-side operations (e.g., invite code validation) | Request-specific data | | StoreKit | Apple | On-device purchase and subscription processing | Purchase transactions | | RevenueCat | RevenueCat, Inc. | Subscription entitlement management and purchase validation | Anonymous app user ID, purchase receipts | | Firebase Analytics | Google | Anonymous feature usage analytics | Anonymous event data (e.g., "goal created"), device type, OS version |

RevenueCat is used to validate purchases with Apple and manage subscription entitlements (e.g., determining whether your Winnie+ subscription is active, expired, or in a grace period). RevenueCat receives an anonymous user identifier and purchase transaction data from Apple. RevenueCat does not receive your name, email address, financial information, or any other personal data entered into Winnie. All payment processing remains through Apple.

Firebase Analytics is used to understand which features are used and where users encounter friction. It collects anonymous event data (such as "goal created" or "plan saved"), device type, and OS version. It does not collect goal names, financial amounts, personal details, or any content you enter into Winnie. Analytics data is not used for advertising, is not shared with third parties, and cannot be used to identify you personally.

Google's Privacy Policy: https://policies.google.com/privacy Apple's Privacy Policy: https://www.apple.com/legal/privacy/ RevenueCat's Privacy Policy: https://www.revenuecat.com/privacy

Services we do not use: - No advertising SDKs - No crash reporting services (no Crashlytics) - No third-party tracking or attribution services - No social media SDKs

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7. Data Retention and Deletion

Active Account

Your data is retained for as long as your account exists and you continue to use the service.

Account Deletion — Solo User

If you delete your account and are not linked to a partner, all of your data is permanently deleted, including:

Account Deletion — Partnered User

If you delete your account while linked to a partner:

This ensures that your partner does not lose shared financial planning data they also contributed to.

Guest Mode

If you use Winnie in guest mode, uninstalling the app removes all data. There is nothing to delete on our servers because no server account was created.

Invite Codes

Invite codes for partner linking expire after 7 days and are automatically cleaned up.

How to Delete Your Account

You can delete your account at any time from Profile > Account Info within the app. Deletion is immediate and cannot be undone.

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8. Your Rights and Choices

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9. International Users

Winnie is operated from Ontario, Canada. If you create an account, your data is processed and stored by Google Cloud Firestore, which operates data centers in the United States and other countries. By creating an account, you consent to the transfer and processing of your data outside your country of residence.

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10. Children's Privacy

Winnie is not directed at children. We do not knowingly collect personal information from children under the age of 13. If you believe that a child under 13 has provided personal information through Winnie, please contact us at support@winnie-app.com, and we will take steps to delete that information.

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11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Effective Date" at the top of this page. Your continued use of Winnie after changes are posted constitutes your acceptance of the updated policy. When feasible, we will communicate material changes within the app.

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12. Contact Us

If you have questions about this Privacy Policy or your data, contact us at:

Winnie Austin Beckett support@winnie-app.com https://www.winnie-app.com/support

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