Effective date: August 8, 2026
CardCalc Privacy Policy
CardCalc is a manual credit card spending tracker. Your card and spending records are stored on your device, and in your own iCloud account only if you turn on iCloud Sync.
Data Collection
CardCalc does not require an account and does not send your card names, spending records, credit limits, notes, or notification schedule to the developer.
These records are stored locally on your device. Deleting the app deletes the copy stored by the app on that device. Copies outside the app are not deleted: a device backup managed by your operating system, data saved to your iCloud account by iCloud Sync, the paired Apple Watch summary, and any backup file or CSV you exported or shared yourself. Delete those separately if you no longer need them.
You can choose to move records out of the app. In Records, the share button creates CSV text with each record's date, card name, category, amount, and memo and sends it to the app or destination you pick. In Settings, Save backup file writes a JSON file with your cards, spending records, recurring expenses, paid status, and categories to a location you choose (such as iCloud Drive or Files on your device), and Restore from backup file reads such a file back. Nothing is shared or exported unless you do this. Once shared or saved, that copy is handled by the destination you chose, not by CardCalc.
If you turn on Lock with Face ID / passcode in Settings, CardCalc asks iOS to verify you with Face ID, Touch ID, or your device passcode when the app opens. Verification is performed by iOS; CardCalc only receives whether it succeeded and does not receive or store biometric data.
iCloud Sync is off by default. If you turn it on in Settings, your cards, spending records, recurring expenses, paid status, and categories are saved to your own iCloud account (iCloud key-value storage) so they can sync across your devices. The developer cannot access this data. The Home Screen widget reads a summary from storage shared on your device, and if the CardCalc Apple Watch app is installed, upcoming payment card names, dates, and amounts are sent to your paired Apple Watch.
Advertising and Consent
The free version uses Google AdMob to show one banner at the bottom of the main tabs (Cards, Records, Summary, Statistics, and Calendar). Full Access and qualifying previous paid purchases do not show ads. Google Mobile Ads may process an IP address (which can estimate a general location), device or app identifiers, advertising data, app interactions, performance data, and crash or diagnostic information for advertising, analytics, fraud prevention, and service operation. After the UMP check, the free version asks once for Apple's App Tracking Transparency permission. If you allow it, Google Mobile Ads may use your device's advertising identifier (IDFA) to personalize and measure ads across other companies' apps and websites. If you do not allow it, ads are still shown but the IDFA is not used, and all app features keep working. You can change this choice at any time in iOS Settings > Privacy & Security > Tracking. Full Access and qualifying previous paid purchases are not asked.
Before requesting ads, the free version uses Google's User Messaging Platform (UMP) to check whether consent or an opt-out choice is required where you live and, if required, shows the consent form. Ads are requested only when UMP reports that ads may be requested. If the check or the form fails (for example, when you are offline), UMP uses the choice previously saved on your device, so ads can still be requested based on an earlier choice. You can reopen available privacy choices from Settings in the app.
Learn more in Google's Privacy Policy and Google's iOS advertising data disclosure.
Financial Data
CardCalc does not connect to bank accounts or access financial institutions, request bank credentials, process payments, or store complete card numbers. Card and spending information is entered manually by you and stored on your device (and in your own iCloud account if you turn on iCloud Sync).
Purchases
Full Access purchases and restorations are processed by Apple through the App Store. The developer does not receive your payment-card details.
Changes
If this policy changes, the updated version and effective date will be posted here.
Contact
Email: support@smallappworks.com