SpendLens 隐私政策 / Privacy Policy

Canonical URL: https://apps.striketl.com/spendlens/privacy.html

 隐私政策

 更新日期：2026-05-09
 生效日期：2026-05-09
 本版本更新摘要：本政策已与 SpendLens 当前商业版本 的默认行为对齐：本地优先、无自有账号、无自有服务器/API、可通过 Apple StoreKit 提供订阅/IAP 权益校验、无广告追踪、无第三方分析 SDK，核心本地记录默认仅在设备本地处理。

 SpendLens（「SpendLens」）的运营者（以下简称「我们」）深知个人信息对您的重要性。我们将遵守适用法律法规，采取适当的安全保护措施，保护个人信息安全可控。

 请您在使用本应用前，仔细阅读并充分理解本《隐私政策》（以下简称「本政策」）。一旦您开始使用本应用，即表示您已阅读并理解本政策。如您不同意本政策的任何内容，请立即停止使用。

 【适用范围】本政策适用于我们通过 SpendLens iOS 客户端向您提供的功能与服务，不适用于第三方单独向您提供的服务（例如 Apple App Store、iOS 系统、iCloud 备份或系统迁移等），该等服务适用第三方各自的隐私政策或条款。

 【未成年人保护】若您是未满 18 周岁的未成年人，请在监护人陪同下阅读本政策，并在征得监护人同意后使用本应用。我们不会出于营销目的主动定向收集未满 14 周岁儿童的个人信息；监护人联系我们并提出合法请求的，我们将在核实后依法处理。

 目录
 一、我们如何收集和使用个人信息
 二、我们如何使用 Cookie 或同类技术
 三、我们如何存储和保护个人信息
 四、我们如何共享、转让、公开披露个人信息
 五、您的权利
 六、第三方服务与 SDK 说明
 七、未成年人保护
 八、本政策的修订
 九、适用法律与管辖
 十、联系我们

 一、我们如何收集和使用个人信息
 1. 基本原则
    当前版本不要求您创建自有云端账号，不要求登录，不连接我们的业务服务器保存您的本地记录，不接入广告追踪，也不接入第三方分析 SDK。除为实现本政策所述目的所必需或法律另有规定外，我们不会收集与功能无关的信息。
 2. 您主动录入并保存在本地的信息
   为帮助您管理本地记录和当前 App 的核心信息，您可能会在应用内主动录入或查看当前版本支持的字段，例如名称、日期、分类、备注、状态、清单或其他用户主动输入的内容。当前版本默认将这些信息保存在设备本地，用于本地展示、排序、搜索、筛选和状态计算。
 3. 系统权限
    当前商业版本 的核心功能不需要相机、麦克风、照片、位置、通讯录、蓝牙、广告追踪等敏感系统权限。若未来版本加入照片导入、文件导入、本地通知或其他权限能力，我们会在触发相关功能前说明用途并请求系统授权；您可拒绝或撤回授权。
 4. 本地计算与本地存储
    当前版本的仪表盘指标、紧急事项、核心状态状态、证明清单和搜索筛选结果均在设备本地计算。我们不会将您的本地记录、日期、分类、备注或状态上传至我们的服务器。
 5. 交易与订阅相关信息
    VIP 权益通过 Apple App Store 应用内购买实现。我们可能在设备侧依据 Apple 提供的交易状态、订阅状态或非消耗型购买状态判断您是否享有相应权益，并在本地缓存必要的会员状态标识用于展示权益边界和执行功能限制。完整银行卡号、完整支付凭证、退款和账单信息由 Apple 或其支付合作方处理，我们不会在本应用中收集或存储。
 6. 日志与诊断信息
    为改进产品质量与稳定性，我们可能通过 Apple 官方渠道接收匿名或去标识化的崩溃日志、性能数据、设备型号、操作系统版本、应用版本等信息；该等信息通常无法单独识别您的身份。我们不会在应用代码中主动接入第三方分析或广告 SDK。
 7. 征得授权同意的例外
    根据法律法规，在以下情形中，我们可能在未取得您单独同意的情况下处理个人信息：为订立、履行与您作为一方当事人的合同所必需；为履行法定义务或法定职责所必需；为应对突发公共卫生事件或紧急情况下保护自然人的生命健康与财产安全所必需；在合理范围内处理您自行公开或其他已合法公开的个人信息；法律、行政法规规定的其他情形。

 二、我们如何使用 Cookie 或同类技术
 本应用为原生客户端程序，不运行传统浏览器网页来采集您的个人信息；当前版本不会通过 Cookie、像素标签或类似追踪技术识别您。若未来在应用内嵌网页或帮助页面中使用 Cookie 或同类技术，我们将在该等场景中另行说明并获得必要同意。

 三、我们如何存储和保护个人信息
 1. 存储地点：当前版本中与本地记录直接相关的主要内容默认存储于您的终端设备本地存储空间。若您通过 iOS、iCloud、设备迁移或备份功能保存数据，相关处理由 Apple 和您的系统设置决定。
 2. 存储期限：在您删除记录、卸载应用、清除数据或系统清理后，本地存储的相关信息可能随之删除或不可访问（除非系统另有缓存或备份）。请您自行保留重要原始凭证。
 3. 安全措施：我们在产品设计层面尽可能减少不必要的数据收集；当前版本优先采用本地处理，减少传输风险；我们会遵循 Apple 平台要求并适时评估安全机制的有效性，防止未经授权的访问、披露、篡改或丢失。
 4. 请您理解，任何安全措施都无法做到绝对安全。若发生个人信息安全事件，我们将依法启动应急预案并尽力减小影响；法律法规要求我们告知的，我们将按规定告知用户并向主管机关报告。

 四、我们如何共享、转让、公开披露个人信息
 1. 共享：当前版本不向我们的服务器上传本地记录，也不会向无关第三方出售您的个人信息。Apple 作为系统、App Store、崩溃诊断、系统备份或迁移等能力提供方，可能依据其自身隐私政策处理相关信息。
 2. 转让：如因合并、分立、收购或资产出售导致转让，我们将要求新的持有方继续受本政策约束；否则我们将要求重新征得您的授权同意。
 3. 公开披露：我们不会公开披露您的个人信息，除非法律法规规定、司法机关或行政机关依法提出要求；在上述情形下，我们将尽可能审查接收方的合法性并在法律允许范围内向您告知。
 4. 委托处理：当前版本主要在本设备本地完成计算；若未来引入云服务委托处理，我们将签署数据处理协议并监督受托方。

 五、您的权利
 在适用法律允许的范围内，您可以行使下列权利：
 1. 访问与复制：您可以在应用内查看您本地保存的本地记录，也可以通过应用内展示的《隐私政策》访问本政策全文。
 2. 更正与补充：若本地记录不准确，您可以直接在应用内修改或重新录入；对于我们在法律意义上持有的信息，您可以通过联系方式向我们提出请求。
 3. 删除：您可以删除应用内记录、卸载应用或清除设备数据；但 iOS 系统备份、迁移或 Apple 侧数据由对应平台规则处理。
 4. 撤回同意：当前核心功能不依赖敏感权限；若未来您授予某项权限，可通过系统设置关闭该权限以撤回授权。
 5. 注销与账户：当前版本未提供独立账号体系，因此一般不适用「账号注销」路径；若未来新增账号体系，我们将在专门条款中说明注销条件与流程。
 6. 响应时限：我们将在验证您的身份后，在适用法律规定的期限内答复您的请求。为保障安全，我们可能要求您提供书面请求或以其他方式证明身份。

 六、第三方服务与 SDK 说明
 1. Apple：包括但不限于 App Store、iOS、系统备份/迁移、崩溃诊断和操作系统能力提供方。请您阅读 Apple 隐私政策以了解其如何处理设备标识符、诊断信息、系统备份和交易相关信息。
 2. 当前版本不接入广告 SDK、第三方统计分析 SDK、第三方登录 SDK 或第三方支付 SDK。
 3. 若未来集成广告、统计、云同步、OCR、邮件导入或其他第三方服务，我们将在集成前评估其合法性，并在本政策或单独弹窗中告知其名称、用途、收集信息类型，征得必要同意后启用。

 七、未成年人保护
 我们建议监护人合理设定未成年人使用智能终端的权限与环境。若监护人发现未成年人在未经同意的情况下向我们提供了个人信息，可以通过本政策联系方式与我们联系，我们将在核实后尽快删除或匿名化处理。

 八、本政策的修订
 我们可能适时修订本政策。更新后，我们会通过应用内公告、弹窗、App Store 元数据或其他合理方式提示您阅读变更内容。若变更会导致您权利义务的实质变化，我们将提供更显著的通知。若您不同意更新后的政策，请停止使用本应用；继续使用即视为接受修订后的政策。

 九、适用法律与管辖
 本政策的订立、生效、履行、解释及争议解决（除非法律另有强制性规定）适用中华人民共和国大陆地区法律。因本政策引起的争议，应首先协商解决；协商不成的，提交被告住所地有管辖权的人民法院诉讼解决。

 十、联系我们
 如您对本政策或个人信息保护相关事宜有任何疑问、意见或投诉，或希望行使相关权利，请通过以下方式联系我们：
 电子邮箱（个人信息保护相关）：494478415@qq.com
 我们将在验证您的身份后尽快答复。如您对我们的答复不满意，特别是认为个人信息处理行为损害了您的合法权益，您有权向网信、电信、公安及市场监管等监管部门投诉举报，或向有管辖权的人民法院提起诉讼。

 您亦可访问 https://apps.striketl.com/spendlens/privacy.html 在线阅读本政策。

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 Privacy Policy

 Update Date: 2026-05-09
 Effective Date: 2026-05-09
 What’s new in this version: This Policy is aligned with SpendLens’s default commercial-release behavior: local-first, no proprietary account, no proprietary server/API, Apple StoreKit subscription/IAP entitlement checks may be used, no ad tracking, no third-party analytics SDK, and core local records processed locally by default.

 SpendLens (marketed as SpendLens) and its operator (“we”) take your privacy seriously. We comply with applicable laws and adopt reasonable security measures to protect personal information.

 Please read this Privacy Policy (“Policy”) carefully before using the App. By starting to use the App, you indicate that you have read and understood this Policy. If you disagree, please do not use the App.

 [Scope] This Policy applies to features and services delivered through the SpendLens iOS client. It does not apply to services independently provided by third parties, such as the Apple App Store, iOS, iCloud backup, or system migration, which are governed by their own privacy policies or terms.

 [Minors] If you are under 18, please read this Policy with a parent or legal guardian and use the App only with their consent. We do not knowingly direct marketing at children under 14; guardians may contact us to exercise applicable rights.

 Table of Contents
 I. How We Collect and Use Personal Information
 II. Cookies and Similar Technologies
 III. How We Store and Protect Personal Information
 IV. How We Share, Transfer, and Disclose Personal Information
 V. Your Rights
 VI. Third-Party Services and SDKs
 VII. Protection of Minors
 VIII. Changes to This Policy
 IX. Governing Law and Jurisdiction
 X. Contact Us

 I. How We Collect and Use Personal Information
 1. Basic principles
    The current version does not require you to create a proprietary cloud account, does not require login, does not connect to our business server to store your local records, does not use ad tracking, and does not integrate third-party analytics SDKs. Except as necessary for the purposes stated in this Policy or as required by law, we do not collect information unrelated to providing the App.
 2. Information you actively enter and store locally
    To help you manage local records and the App’s core information, you may enter or view the local record fields supported by the current App, such as names, dates, categories, notes, status values, checklist state, or other user-entered content. The current version stores this information locally by default for local display, sorting, searching, filtering, and status calculation.
 3. System permissions
   The current commercial release's core features do not require Camera, Microphone, Photos, Location, Contacts, Bluetooth, tracking permission, or similar sensitive permissions. If future versions add photo import, file import, local notifications, or other permission-based features, we will explain the purpose and request system authorization only when the feature is triggered. You may refuse or revoke authorization.
 4. Local computation and storage
   Dashboard metrics, highlighted items, status values, checklists, and search/filter results are calculated on device in the current version. We do not upload your local records, dates, categories, notes, checklist states, or status values to our server.
 5. Transaction and subscription-related information
    VIP benefits are provided through Apple App Store in-app purchase. We may rely on Apple-provided transaction state, subscription state, or non-consumable entitlement state on device to determine whether you have the relevant benefit, and may locally cache necessary membership-state indicators to show benefit boundaries and enforce feature limits. Complete card numbers, complete payment credentials, refunds, and billing information are handled by Apple or its payment partners; we do not collect or store them inside the App.
 6. Logs and diagnostics
    To improve quality and stability, we may receive anonymized or de-identified crash logs, performance data, device model, OS version, and App version through Apple’s official mechanisms. Such data generally cannot identify you by itself. We do not proactively integrate third-party analytics or advertising SDKs in the app code.
 7. Exceptions to consent
    Under applicable laws, we may process personal information without separate consent when necessary to perform a contract with you, comply with legal obligations, protect vital interests in emergencies, handle information you have lawfully made available within reasonable bounds, or for other statutory grounds.

 II. Cookies and Similar Technologies
 The App is a native client and does not use traditional browser cookies, pixels, or similar tracking technologies to identify you in the current version. If embedded web views or help pages introduce such technologies later, we will explain the use in context and obtain consent where required.

 III. How We Store and Protect Personal Information
 1. Storage location: content directly tied to local records is stored locally on your device by default in the current version. If you use iOS, iCloud, device migration, or backup features, Apple and your system settings govern that processing.
 2. Retention: deleting records, uninstalling the App, clearing data, or OS cleanup may delete or make local records inaccessible unless the OS maintains caches or backups. Please retain important original proof yourself.
 3. Security measures: we minimize collection by design, prefer local processing in the current version, and follow Apple platform requirements. We periodically review safeguards against unauthorized access, disclosure, alteration, or loss.
 4. No security measure is perfect. If a personal information incident occurs, we will activate contingency plans as required by law and, where mandated, notify users and regulators.

 IV. How We Share, Transfer, and Disclose Personal Information
 1. Sharing: the current version does not upload local records to our server, and we do not sell your personal information to unrelated third parties. Apple may process information under its own privacy policies as the provider of the OS, App Store, crash diagnostics, system backup, or migration capabilities.
 2. Transfer: if business ownership changes through merger, acquisition, or asset sale, we will require successors to honor this Policy or re-obtain consent where necessary.
 3. Public disclosure: we do not publicly disclose your personal information unless required by law or lawful governmental requests. We will assess legitimacy and inform you where feasible.
 4. Processors: the current App primarily computes locally. If cloud processing is introduced later, we will use contractual safeguards for processors.

 V. Your Rights
 Subject to applicable law and practical capability:
 1. Access & copy: you can view locally saved local records in the App and read this Policy in-app.
 2. Rectification: you can edit or re-enter local records directly in the App. For information we legally hold, you may contact us with a request.
 3. Erasure: you can delete in-app records, uninstall the App, or clear device data. iOS backups, migration data, or Apple-side records are governed by the relevant platform rules.
 4. Withdraw consent: current core features do not rely on sensitive permissions. If future permissions are granted, you can disable them in system settings.
 5. Account deletion: no standalone account system exists in the current version, so account deletion generally does not apply. If accounts are added later, we will document deletion paths.
 6. Response timeline: after identity verification, we will respond within statutory timelines where applicable.

 VI. Third-Party Services and SDKs
 1. Apple: includes the App Store, iOS, system backup/migration, crash diagnostics, and OS-provided capabilities. Review Apple’s privacy documentation for identifiers, diagnostics, system backup, and transaction-related information.
 2. The current version does not integrate advertising SDKs, third-party analytics SDKs, third-party login SDKs, or third-party payment SDKs.
 3. If advertising, analytics, cloud sync, OCR, email import, or other third-party services are added later, we will assess vendors beforehand and disclose names, purposes, and data types via this Policy or dedicated prompts, obtaining consent where necessary.

 VII. Protection of Minors
 Guardians should supervise minors’ device use. If a guardian believes a minor provided personal information without consent, contact us; we will delete or anonymize upon verified request where appropriate.

 VIII. Changes to This Policy
 We may update this Policy from time to time and notify you via in-app notices, pop-ups, App Store metadata, or other reasonable means. Material changes will be highlighted where feasible. If you disagree with updates, stop using the App; continued use indicates acceptance.

 IX. Governing Law and Jurisdiction
 This Policy shall be governed by the laws of the mainland region of the People’s Republic of China, excluding conflict rules, unless mandatory law provides otherwise. Disputes shall first be negotiated; if unresolved, submitted to a competent court at the defendant’s domicile.

 X. Contact Us
 For privacy inquiries, complaints, or rights requests:
 Email (privacy matters): 494478415@qq.com
 We will respond after verifying your identity where appropriate. If you are dissatisfied with our response, you may complain to competent regulators or bring a lawsuit where permitted by law.

 You may also read this Policy online at https://apps.striketl.com/spendlens/privacy.html.

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