Privacy Policy for CardCue

Introduction

1523 Labs (“we,” “our,” or “us”) operates CardCue (the “App”), a mobile application designed to help users track their credit card bills and payment due dates through SMS message monitoring. The App processes bank SMS notifications locally on your device to provide timely reminders for bill payments. This Privacy Policy explains how we handle your information and your privacy rights when you use our App.

Information Collection and Use

CardCue is designed with privacy at its core. We want to be clear about our practices:

• No Data Collection: We do not collect, store, or transmit any personal information to external servers.
• Local Storage Only: All data, including SMS processing and bill tracking information, is stored exclusively on your device.
• No Internet Required: The App functions completely offline and does not require internet connectivity.

Types of Data Stored Locally

The App stores the following information locally on your device:

1. SMS Messages: Access to read bank SMS notifications related to credit card transactions and bills (with your permission)
2. Credit Card Information: Extracted bill amounts, due dates, and payment-related information from SMS messages, stored locally
3. App Settings: Your preferences, reminder settings, and notification configurations using device's SharedPreferences
4. Biometric Authentication Data: Managed securely by your device's operating system
5. Local Database: Processed financial information and payment tracking data stored in a local database on your device

Permissions

CardCue requires the following permissions to function:

1. SMS Permission: To read and process credit card-related SMS messages from your bank
2. Biometric Authentication: For secure access to your financial information
3. Background Processing: To continuously monitor SMS messages and provide timely bill payment reminders
4. Notification Permission: To send bill payment reminders and important alerts

These permissions can be revoked at any time through your device settings, though this may limit the App's functionality.

Data Security

We implement appropriate technical measures to maintain the security of your financial information:

• All financial data is stored exclusively on your device
• Biometric authentication adds an additional layer of security
• No data transmission to external servers
• No cloud backup or sync features
• Secure local encryption for sensitive financial information

Financial Data Processing

CardCue processes SMS messages specifically related to:

• Credit card transactions
• Bill generation
• Payment due dates
• Payment confirmations

The App does not:

• Process or store SMS messages unrelated to credit card activities
• Share financial information with any third parties
• Modify or send SMS messages
• Access any banking applications or websites

Children's Privacy

Our App does not knowingly collect any personal information. Since all data is processed locally, parents can monitor and control their children's use of the App through device-level controls.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last updated” date.

Your Rights

Since all data is stored locally on your device, you have complete control over your data. You can:

• Clear app data through your device settings
• Uninstall the app to remove all financial tracking data
• Control SMS and notification permissions through device settings
• Delete specific credit card tracking information within the app

Contact Us

If you have any questions about this Privacy Policy or how we handle your financial information, please contact us at:

Email: 1523labs@gmail.com

Disclaimer

CardCue processes credit card-related SMS messages locally on your device. We are not responsible for:

• The accuracy of SMS messages received from banks
• Any financial decisions or payments made based on the App's reminders
• Missed payments due to delayed or undelivered SMS messages
• Loss of financial tracking data due to device malfunction or app uninstallation
• Unauthorized access to your device
• Any issues arising from permission changes or system modifications
• The accuracy of bill amounts or due dates extracted from SMS messages