Parcelamento Privacy Policy
Effective date: November 7, 2026
Last updated: November 7, 2026
Parcelamento is an app for tracking installment purchases, both the ones you pay and the ones you receive (credit cards, statements, payment booklets, bank slips, loans, creditors, people, categories, reminders and alarms), developed by Renato Ferraz (“developer”, “we”). This Privacy Policy explains what data the app handles, where it is stored and how you can control it.
By using Parcelamento, you agree to the practices described here. If you do not agree, do not use the app.
1. Quick summary
- Your installment plans, installments, cards, statements, creditors, people and categories stay on your device and, if you choose, are synced through your own iCloud account (CloudKit, private database). The developer has no server of its own for this data and has no access to it.
- We do not use analytics, cross-app tracking, ads or the advertising identifier.
- The Community section (Feedback, Roadmap and About the developer) is optional. Only when you sign in there to vote or send suggestions does some of your data go to UAPP, the developer’s own service (section 4).
- Subscriptions are sold and billed by Apple. We do not receive your payment details.
- We do not sell or rent your data.
2. Data the app handles
Data that stays only on your device and in your iCloud
- Installment plans and installments: description, amounts, dates, number of installments, interest, down payment, fees, status (paid, upcoming, overdue) and notes.
- Cards and payment methods: name, color, limit and the closing and due days you enter. The app does not ask for or store card numbers, passwords or bank details.
- Creditors, people and categories: names, the photo or image you choose and the contact phone number you type. The app does not access your contacts.
- Reminders and alarms: the notification preferences for each installment and each card.
- Exported files: spreadsheets and PDFs are created on the device and only leave it when you decide where to send them.
Some settings stay only on the device, outside iCloud, as shown on the screen itself (for example, the share of your income you set aside for installment purchases).
System features used on the device
- Notifications and alarms: scheduled by the system itself (iOS local notifications and AlarmKit). No server sends these alerts.
- Widgets, Apple Watch, Siri and Shortcuts: read the same data on the device, through a local App Group, your iCloud and the direct connection between iPhone and Apple Watch.
- Photos: used only when you pick an image for a creditor or a person.
- Face ID or passcode: if you turn on the app lock, the check is done by the system. The app never receives your biometric data.
- When you sign in to vote or send suggestions: your name and email, and the account identifier. This data is used only for that purpose: showing your suggestion with your name, replying to you and keeping your account.
- When you send a suggestion, a comment or a vote: the text and any images you attach.
- When you open the Community screens: the app requests the content from the UAPP server, telling it which app and language are in use. As with any internet access, the server receives the connection’s IP address.
No installment plan, amount, card or other financial data is sent to UAPP.
What the app does NOT collect
- Location, contacts, health data, browsing history or the advertising identifier.
- Bank details, card numbers or passwords.
- We do not track you across apps or websites.
3. Where the data is stored
- Local storage: SwiftData, in the protected storage of iOS, iPadOS and watchOS.
- Sync (optional): CloudKit, in the private database of your iCloud account. Synced data exists only within your Apple Account’s space, the same mechanism used by apps such as Reminders or Notes.
- The developer does not operate, access or have any technical means to access the contents of your private CloudKit database.
- UAPP: the developer’s servers, hosted by Supabase, only for Community data (section 2).
4. Sharing
- UAPP: suggestions, comments and votes published on the Roadmap may be seen by other people who use the app, together with the author’s name. Do not include sensitive data in these texts. The UAPP account is also covered by the UAPP Privacy Policy.
- Apple: takes part in storage (iCloud/CloudKit) and purchases (App Store), governed by Apple’s Privacy Policy.
- Other than that, we do not share data with third parties. We may disclose information if required by law or a valid court order.
5. Security
- Data on the device follows the standard encryption of iOS, iPadOS and watchOS. The Face ID or passcode lock, in the app’s Settings, protects access to your amounts.
- Data synced through CloudKit follows Apple’s encryption in transit and at rest.
- Communication with UAPP uses an encrypted connection (HTTPS).
- No storage method is 100% secure. Protect your Apple Account with a strong password and two-factor authentication.
6. Your rights and control
- Access and correction: all your data is visible and editable in the app at any time.
- Export: exporting to a spreadsheet or PDF creates a copy of your installment plans that you can keep wherever you like.
- Deleting app data: deleting items in the app or uninstalling it removes the data from the device; turning off iCloud for the app (Settings › [your name] › iCloud) and deleting its data removes what is in CloudKit.
- Deleting your Community account: while signed in, open your account in the Community section of Settings and tap Delete account. The account and its data are deleted. You can also just sign out. To delete suggestions and comments you have already sent, write to the email below.
- Revoking permissions: photos, notifications, alarms and Face ID can be turned off at any time in the system Settings.
Requests about personal data, including under Brazil’s General Data Protection Law (LGPD, Law No. 13,709/2018), are handled through the email below, within the legal deadline.
7. Children
Parcelamento is not directed at children. It is a personal finance organization app intended for adults.
8. Changes to this policy
We may update this Privacy Policy when the app gains features that change how data is handled. The “Last updated” date at the top will be revised, and relevant changes will be announced in the app.
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