Privacy Policy

DivCal — Dividend Tracker & Calendar

Effective: March 19, 2026

DivCal ("the App") is developed by an independent developer. This Privacy Policy explains how the App collects, uses, and protects your information.

1. Information We Collect

Data stored locally on your device:

Portfolio holdings (ticker symbols, share counts, cost basis)
Dividend event data and history (fetched from financial APIs)
Stock information and price data
App preferences and notification settings (via UserDefaults)

Data stored in your device's Keychain (encrypted):

Apple Sign-In credentials (user identifier, name, email) — only if you choose to sign in

Data collected anonymously:

Anonymous usage analytics via TelemetryDeck (e.g., which features are used, app launches). TelemetryDeck does not collect personally identifiable information, device identifiers, or IP addresses.

2. How We Collect Data

On-device processing: All portfolio data, holdings, and dividend calculations are processed and stored entirely on your device using Apple's SwiftData framework. Your financial data never leaves your device.
Network requests: The App sends stock ticker symbols to our backend API (hosted on Supabase) to fetch publicly available dividend data and stock prices. Only ticker symbols are sent — no personal information, device identifiers, or account data is transmitted.
Analytics: Anonymous, aggregated usage events are sent to TelemetryDeck. No user-identifiable data is included.

3. How We Use Your Data

To display dividend information, payment calendars, and portfolio analytics
To send local notifications about upcoming ex-dates and payment dates (with your permission)
To process in-app purchases and manage your subscription status
To improve the App based on anonymous usage patterns

4. Third-Party Services

The App uses the following third-party services:

Supabase (backend API): Receives only stock ticker symbols to return dividend and price data. No personal data is sent. Supabase Privacy Policy
Apple StoreKit (subscription management): In-app purchases and subscriptions are managed entirely through Apple's native StoreKit framework. All transaction data is handled directly by Apple. Apple Privacy Policy
TelemetryDeck (analytics): Receives anonymous, non-identifiable usage events. No IP addresses, device IDs, or personal data are collected. TelemetryDeck Privacy Policy
Apple Sign-In: If you choose to sign in, Apple provides your name and email (which you can choose to hide). This data is stored only in your device's Keychain.

5. Data Retention & Deletion

All portfolio and dividend data is stored locally on your device and can be deleted at any time via Settings → Data → Clear All Data.
Uninstalling the App removes all locally stored data.
Apple Sign-In credentials can be removed by signing out in the App's Settings.
Anonymous analytics data cannot be linked back to you and is retained by TelemetryDeck per their data retention policy.
Subscription transaction data is managed by Apple and retained per Apple's policies.

6. Your Rights

You can delete all app data at any time from within the App.
You can deny or revoke notification permissions via iOS Settings.
You can sign out of Apple Sign-In at any time.
You can request information about your data by contacting us at the email below.
EU/EEA users have additional rights under GDPR including the right to access, rectification, erasure, and data portability.

7. Children's Privacy

The App is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.

8. Data Security

We take reasonable measures to protect your information. All network communications use HTTPS encryption. Sensitive credentials are stored in the iOS Keychain, which provides hardware-level encryption. Your portfolio data remains on your device and is not transmitted to any server.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the App after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or your data, please contact us at:

support@divcal.app