生效日期：2026 年 5 月
我财（AssetMe，以下简称「本应用」）非常重视您的隐私保护。本协议说明我们如何处理您的信息。
一、信息收集与使用
本应用是一款完全离线的个人资产管理工具。您输入的所有数据——包括资产名称、金额、利率、币种、备注、标签、固定收支规则等——均仅存储在您的设备本地。我们不会收集、传输或在任何服务器上存储您的财务数据。
本应用可能在您明确授权后使用以下设备功能：
- 面容 ID / 触控 ID — 用于应用锁定验证，由 Apple 安全隔区在设备本地完成处理。
- 日历（EventKit） — 将资产到期日和固定收支提醒同步到系统日历。
- 通知 — 发送本地提醒通知，提醒即将发生的资产事件。不会向任何服务器发送数据。
- 相册（PHPicker） — 选取图片作为附件，所选照片仅复制到应用沙盒本地。
二、数据存储与安全
所有财务数据使用 Apple SwiftData 框架存储在设备本地，不涉及任何云端同步。
备份文件（.whub）采用 AES-256-GCM 加密。加密密钥由您设置的密码或设备特定标识符派生。我们无法访问您的加密密钥或备份内容。
本应用使用 Apple identifierForVendor 仅用于派生备份加密密钥，该标识符无法用于跨应用追踪。
三、网络使用
本应用仅发起一个网络请求：通过 Apple 公开的 iTunes Lookup API 检查应用更新。此请求仅包含应用的 Bundle ID，不传输任何个人数据。
四、应用内购买
Pro 功能通过 Apple StoreKit 框架购买，所有支付处理由 Apple 完成。我们不接收或存储任何支付信息。
五、第三方共享
我们不会向第三方共享、出售或转让您的任何数据。本应用不包含任何第三方 SDK、分析工具或广告框架。
六、您的权利
由于所有数据都存储在您的设备上，您拥有完全控制权：
- 查看与导出 — 随时将数据备份为加密的 .whub 文件。
- 删除 — 卸载应用将永久删除所有数据。
- 权限管理 — 随时通过 iOS 设置撤销任何系统权限。
七、未成年人保护
本应用不收集、传输或存储任何用户的个人信息，无论用户年龄。建议未成年用户在家长或监护人指导下使用。
八、协议更新
我们可能会因应用变更更新本协议。更新后的协议将包含在应用内。继续使用即视为接受更新内容。
九、联系我们
如有隐私相关问题或反馈建议，请通过 App Store 评价或应用内的反馈渠道与我们联系。
Effective Date: May 2026
AssetMe ("we", "the App") is committed to protecting your privacy. This policy describes how we handle your information.
1. Information Collection & Use
AssetMe is a fully offline personal asset management tool. All data you enter — including asset names, amounts, interest rates, currencies, notes, tags, and recurring income/expense rules — is stored exclusively on your device. We do not collect, transmit, or store any of your financial data on any server.
The App may use the following device features with your explicit permission:
- Face ID / Touch ID — for app lock verification, processed entirely on-device by Apple's Secure Enclave.
- Calendar (EventKit) — to sync asset maturity dates and recurring payment reminders to your system calendar.
- Notifications — to send local reminders for upcoming asset events. No data is sent to any server.
- Photo Library (PHPicker) — to select images as attachments. Selected photos are copied to the app's local sandbox only.
2. Data Storage & Security
All financial data is stored locally using Apple's SwiftData framework. No cloud synchronization is involved.
Backup files (.whub) are encrypted with AES-256-GCM. Encryption keys are derived from passwords you set or device-specific identifiers. We never have access to your encryption keys or backup contents.
The App uses Apple's identifierForVendor solely to derive backup encryption keys. This identifier cannot be used to track you across apps.
3. Network Usage
The App makes only one network request: checking for app updates via Apple's public iTunes Lookup API. This request contains only the app's bundle identifier — no personal data is transmitted.
4. In-App Purchases
Pro features are purchased through Apple's StoreKit framework. All payment processing is handled by Apple. We do not receive or store any payment information.
5. Third-Party Sharing
We do not share, sell, or transfer any of your data to third parties. The App contains no third-party SDKs, analytics tools, or advertising frameworks.
6. Your Rights
Since all data resides on your device, you have full control:
- View & Export — Back up your data as an encrypted .whub file at any time.
- Delete — Uninstalling the App permanently removes all data.
- Permissions — Revoke any system permission via iOS Settings at any time.
7. Children & Minors
The App does not collect, transmit, or store any personal information from any user, regardless of age. Minors are advised to use the App under parental or guardian supervision.
8. Policy Updates
We may update this policy to reflect App changes. Updated policies will be included in the App. Continued use after updates constitutes acceptance.
9. Contact Us
For privacy concerns or feedback, please leave a review on the App Store or contact us through the in-app feedback channel.