YouFO Privacy Policy

Effective date: November 4, 2026

This Privacy Policy explains how YouFO LLC ("we," "us," or "our"), an Indiana limited liability company, handles information in the YouFO iOS app (the "App"). In short: your data stays on your device and in your own iCloud. We can't see it, and we don't sell it.

1. Information You Enter

You enter information into the App yourself, such as recurring income and expenses, spending estimates, savings set-asides, account balances, purchase goals, loan calculator inputs, Time Warp and Sunset retirement projections, meal ideas and recipes (including any website links), emergency-prep supply list items, and notes. YouFO does not connect to your bank or financial accounts.

2. Where Your Data Is Stored

Your data is stored on your device (using Apple's SwiftData) and synced through your own private iCloud account using Apple's CloudKit. We do not run our own servers for your data, and we cannot access, view, or read it. Apple's handling of iCloud data is covered by Apple's Privacy Policy: https://www.apple.com/legal/privacy/.

Sign in with Apple. You sign in with Apple. Apple authenticates you. We do not receive your Apple ID password.

Face ID. If you turn on Face ID app lock, Face ID is handled entirely by iOS. We never receive your biometric data.

Notifications. If you turn them on, the App schedules local reminders (such as a payday balance reminder and monthly set-aside check-ins) on your device. These are created and delivered on-device only; no notification content is sent to us or to a push server. You can turn them off in the App or in iOS Settings at any time.

Financial tools. The loan calculator uses built-in estimated average rates stored in the App. Calculations run on your device; your inputs are not sent to us or to any rate provider.

3. Purchases and RevenueCat

If you buy YouFO's premium subscription, Apple processes your payment. We never receive your payment card details. We use RevenueCat to manage subscriptions and purchase status. RevenueCat receives a salted, hashed, anonymous app user ID and purchase information (such as product, purchase date, renewal status, and transaction details from Apple). This is used only to unlock premium features and manage your subscription. See RevenueCat's privacy policy: https://www.revenuecat.com/privacy.

4. What We Don't Do

• No analytics or usage tracking
• No advertising or ad networks
• No tracking across other apps or websites
• No AI processing of your data
• No sale or sharing of your personal information for money or targeted advertising

5. Family Sharing

Family sharing uses Apple's iCloud sharing (CKShare). The owner acts as admin and can give invitees read-only or edit access to a snapshot of the budget. Invitees see a snapshot copy that the owner republishes by tapping Update Shared Copy; it is not updated in real time, and edits made by invitees do not currently merge back into the owner's data. When you share:

• Shared data becomes visible to, and (with edit access) changeable by, the people you invite within their own snapshot copy. It is stored in iCloud under Apple's terms and may be cached on participants' devices.
• Shared data may remain on participants' devices or in their copies even after you stop sharing or remove their access.
• You are responsible for having the right to share the information and for choosing whom you invite. Please don't share other people's information without their permission.
• We do not see shared data. Apple's iCloud terms and Privacy Policy apply.

You can stop sharing or remove participants through the App or iCloud.

6. Feedback and Support Emails

The App offers an optional prompt after you take a screenshot, plus Suggest an Improvement and Report a Problem forms. These open a draft in your own Mail app, which may include an optional screenshot and your app version, iOS version, and device model. Nothing is sent unless you tap Send.

If you send it, we receive your email address, your message, any attachments (including screenshots), and that diagnostic information. We use it only to respond to you, provide support, and fix or improve the App. We keep support emails only as long as needed for those purposes (up to 12 months), then delete them, unless the law requires otherwise. You can ask us to delete your support emails at any time. Screenshots may show your budget or balances. Please crop or avoid including sensitive financial information before sending.

7. Children

YouFO is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has given us information, contact us and we will help remove it.

8. Retention and Deletion

Your data stays on your device and in your iCloud until you delete it. You can:

• Export your data to CSV inside the App.
• Delete your account inside the App, which removes all local records, deletes your private iCloud sync zone, and deletes the family-sharing zone.
• Remove App data through iOS and iCloud settings.

When the family-sharing zone is deleted, invitees lose access on their next sync; data already downloaded to an invitee's device may remain until their app syncs or is removed. Deleting your account does not delete emails you have sent us (ask us to delete those). RevenueCat and Apple may keep purchase records as required for billing, tax, fraud prevention, and legal purposes under their own policies.

9. Your Rights

Depending on where you live (for example, California under the CCPA/CPRA, or the EU/UK under the GDPR), you may have rights to access, correct, delete, or port your personal information, and to object to or restrict certain processing. Because your data stays in your control, you can do most of this directly in the App (view, edit, export, delete). For requests about purchase data held through RevenueCat, support emails, or any other privacy question, email us at customersupport@youfollc.com. We will not discriminate against you for exercising your rights. We may need to verify your request. If you are in the EU/UK, you may also complain to your local data protection authority.

10. Security

We rely on Apple's device and iCloud protections and on optional Face ID lock. No system is perfectly secure, so please keep your device and Apple ID protected.

11. Changes to This Policy

We may update this Privacy Policy. We will change the effective date above and, for material changes, notify you in the App.

12. Contact

YouFO LLC

Email: customersupport@youfollc.com

Website: https://youfollc.com