Privacy Policy

1. Overview

AGM Apps ("we," "our," or "us") operates the Real-Time Salary Tracker mobile application (the "App"). This Privacy Policy explains how we handle your information and protect your privacy when you use our App.

We are committed to your privacy. Your financial data belongs to you, and we have designed the App to keep your sensitive salary information secure and private.

2. Information We Collect

2.1 Information You Provide

When you use the App, you may enter the following information, all of which is stored locally on your device only:

• Salary and wage information (annual, monthly, hourly rates)
• Work schedules and shift times
• Time-off entries (vacations, sick days, holidays)
• Tax rates and financial calculations
• Pay frequency and next pay date
• Currency and language preferences
• Optional iCloud sync preferences

2.2 Information Automatically Collected

We do not collect any personal information automatically. However, third-party services integrated into the App may collect certain technical information as described in Section 4.

3. How We Store Your Data

3.1 Local Storage

• On-Device Storage: All your financial data — salary, schedules, time-off entries, paystub adjustments, lunch overrides — is stored locally on your device using Apple's secure UserDefaults storage system.
• Your Financial Data Stays Local: Your salary numbers and personal earnings information never leave your device unless you explicitly enable iCloud sync. We do not have visibility into your earnings.
• Data Deletion: If you delete the App, all locally stored data is permanently removed from your device.

3.2 iCloud Sync (Automatic When iCloud Is Enabled)

If iCloud is enabled on your Apple ID, the App automatically syncs your data through Apple's iCloud Key-Value Storage so it appears on your other Apple devices signed into the same Apple ID. This sync includes:

• Salary entries, work schedule, and time-off log
• Job records (for multi-job users)
• Pay frequency and payday settings
• App settings (currency, language, theme, etc.)
• Flexible appointment details — including any optional client names and free-text notes you add to those appointments

Data in iCloud Key-Value Storage is encrypted in transit and at rest by Apple. However, Apple has access to the contents unless you have Advanced Data Protection enabled on your Apple account. We never have access to this data — it stays inside your personal Apple iCloud space, governed by Apple's Privacy Policy.

Opting out of appointment-detail sync: If you would prefer that the contents of your flexible-schedule appointments (including any client names and notes you've entered) never leave this device, you can disable that specific sync from Settings → Privacy → Sync Appointment Details to iCloud. Other categories (salary, schedule, job records) will continue syncing normally. To stop iCloud sync of all App data, sign out of iCloud or disable iCloud Drive for this App in your device's iCloud settings.

3.3 AI Feature Cloud Processing

As of v4.0.3 (May 2026), the App offers two optional AI-powered features that route through a server-side proxy hosted on Google Firebase Cloud Functions:

• AI Invoice Scanner: When you choose to scan a paystub or invoice, the image you submit is sent to a Cloud Function (proxyGemini) that forwards it to Google's Gemini AI for analysis. The audit result is returned to your device and displayed in the App; we do not retain a copy.
• Discover (AI salary lookup): When you search for a public-figure salary, your search query is sent to a Cloud Function (proxyClaude) that forwards it to Anthropic's Claude AI. The response is then cached in Firestore (a non-personal cache of public-figure compensation lookups; see Section 4.5).

Both Cloud Functions hold the AI API keys server-side in Google Secret Manager so the keys are never embedded in the App binary. The image / query you submit may include incidental content (a paystub, a public figure's name). Neither Cloud Function logs the content of your requests beyond what is needed for transient processing and error diagnostics. Your locally-stored salary data, schedules, or other on-device records are never automatically transmitted — only the explicit AI request you initiate.

Your financial data is never sold to third parties.

4. Third-Party Services

4.1 Google AdMob (Advertising)

The free version of the App displays advertisements through Google AdMob. AdMob may collect and process the following information:

• Device identifiers (Advertising ID)
• IP address and approximate location (country/region level)
• Device type and operating system version
• App usage data for ad performance

You can opt out of personalized ads in your device settings:

• iOS: Settings → Privacy & Security → Tracking → Limit Ad Tracking
• Or: Settings → Privacy & Security → Apple Advertising → Personalized Ads

For more information, see Google's Privacy Policy.

4.2 Firebase Analytics

We use Google Firebase Analytics to understand how users interact with the App. Firebase may collect:

• Anonymous usage statistics (screens viewed, features used)
• Device information (model, OS version)
• Crash reports and performance data

No personal or financial data is sent to Firebase. All analytics data is anonymized and aggregated. See Firebase's Privacy Policy.

4.3 GDPR Compliance (EEA Users)

If you are located in the European Economic Area (EEA), you will be prompted to provide consent before any advertising or analytics services collect your data. You can accept or decline personalized ads and manage your privacy preferences at any time in Settings.

4.4 AI Service Providers (Anthropic + Google AI)

The AI Invoice Scanner forwards your submitted image to Google's Gemini API. The Discover feature forwards your typed query to Anthropic's Claude API. Both calls are routed through our Firebase Cloud Functions proxy so the AI keys never ship in the App. Each provider may transiently process the request content per their own data-handling policies:

• Google AI / Gemini: ai.google.dev/gemini-api/terms
• Anthropic / Claude: anthropic.com/legal/privacy

Both providers state that API requests sent through their commercial APIs are not used to train their public models. We do not send your locally-stored on-device data to either provider unless you explicitly initiate a scan or search.

4.5 Firebase Cloud Functions + Firestore

The Firebase Cloud Functions (proxyGemini, proxyClaude) run on Google Cloud infrastructure under our Firebase project real-time-salary-ios. They:

• Hold the AI API keys server-side in Google Secret Manager (never in the App binary).
• Forward your request to the AI provider and return the response to your device.
• Do not associate requests with your Apple ID, email, or any account identifier — we do not have user accounts.
• Generate transient operational logs (timestamps, error codes) for the purpose of debugging and abuse prevention. These logs are retained per Google Cloud's default retention policy.

Firestore is used to cache the results of Discover searches so common queries (e.g., compensation of well-known public figures) can be served instantly without a new AI call. The Firestore cache contains only the AI-returned public-figure compensation data — it does NOT contain any user-identifying information, your search history, your salary, or your device identifier. The cache is a shared lookup table used by all App users to reduce repeat AI cost.

4.6 Additional Ad Networks (Unity Ads, Liftoff / Vungle)

The App also integrates Unity Ads and Liftoff (Vungle) as fallback ad networks alongside Google AdMob. Which network is active at any given time is controlled via our remote configuration file at agmapps.net/rts-ios-ad-config.json. Whichever network is active may collect:

• Device information (device type, OS version, anonymized identifiers)
• Ad interaction data (views, clicks, ad-completion events)
• IP address and approximate location

Refer to each network's privacy policy for full details:

• Unity Ads: unity.com/legal/privacy-policy
• Liftoff / Vungle: liftoff.io/privacy-policy/

6. In-App Purchases (Real-Time Salary Plus)

The App offers an optional "Real-Time Salary Plus" subscription ($0.99 / month). When subscribed, you receive:

• All advertisements removed
• Detailed AI Auditor breakdown views
• 30 AI Credits per month, shared between the AI Invoice Scanner and Discover features

When you make a purchase:

• Payment is processed entirely by Apple through the App Store.
• We do not collect or store your payment information.
• Apple's Privacy Policy and Terms of Sale apply to all purchases.
• Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period.
• You can manage or cancel your subscription at any time in your device's Settings (Apple ID → Subscriptions).

7. Data Security

• Local Encryption: Your salary data and personal records are protected by iOS's built-in security features, including device encryption and biometric authentication (Face ID / Touch ID).
• Salary Data Stays Local: Your salary numbers, schedules, time-off entries, and other on-device records are never automatically transmitted to our servers. They stay on your device (or in your personal iCloud if you enable sync).
• AI Features Use HTTPS: When you explicitly invoke an AI feature (Invoice Scanner or Discover), the specific request you initiate is transmitted to our Firebase Cloud Functions over HTTPS / TLS. No content is ever sent in cleartext.
• Sandboxed Storage: The App operates in Apple's secure sandbox environment, preventing unauthorized access by other apps.
• Server-Side Secret Management: The AI provider API keys live exclusively in Google Secret Manager, accessed only by our Cloud Functions. They are never embedded in the App binary.

8. Data Breach Notification

In the unlikely event of a data breach that affects your personal information, we will notify you within 72 hours via the contact method you have provided to us. We will inform you about:

• The nature of the breach
• What information was affected
• Steps we are taking to address the breach
• Actions you can take to protect yourself

9. Children's Privacy

The App is intended for working adults and is not designed for children under 13. We do not knowingly collect personal information from children. If you believe a child has provided information through the App, please contact us at help.agmapps@outlook.com.

10. International Users

The App is available worldwide. If you use the App outside the United States:

• Your data remains stored locally on your device in your country.
• If you enable iCloud sync, your data may be processed in countries where Apple operates iCloud servers.
• Third-party services (AdMob, Firebase) may process data according to their respective privacy policies.

11. Your Rights and Choices

You have full control over your data:

• Access: All your data is accessible within the App at any time.
• Modification: You can edit or delete any salary, schedule, or time-off entry.
• Deletion: Use "Reset All Data" in Settings to permanently delete your information, or simply uninstall the App.
• Opt-Out of Ads: Upgrade to the Plus version to remove all advertisements.

12. California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal information is collected about you
• Request deletion of your personal information
• Opt-out of the sale of personal information (Note: We do not sell your data)
• Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at the email address provided below.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, the "Last Updated" date at the top will be revised. Significant changes will be communicated through an App update notification. Continued use of the App after changes constitutes acceptance of the updated policy.

14. Third-Party Links

The App may contain links to external websites (such as our developer website, Apple's terms, or Google's privacy policy). We are not responsible for the privacy practices of these third-party sites.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:

help.agmapps@outlook.com

Developer: AGM Apps  ·  agmapps.net

For EEA Users: You have the right to lodge a complaint with your local data protection authority if you believe your rights have been violated.