Escape Payout

Escape Payout ("we", "us", or "our") is a personal finance tracking app. This Privacy Policy explains what information we collect, how we use it, and your rights regarding your data. We are committed to keeping your financial information private and secure.

1. Information We Collect

Account information

• Your email address and a hashed password, used to identify your account and let you log in across devices.

Financial data you enter

• Debt and loan details (names, balances, payment amounts, due dates) that you type in manually.
• Income sources and amounts you enter.
• Bank account names and balances you enter manually — we never ask for your banking credentials or connect to any financial institution.
• Transaction notes and payment logs you create.
• Receipt images you choose to attach (Pro and Max plans).

Usage and technical data

• App settings you choose (language, currency, country, appearance).
• Device type and operating system version, collected automatically to help us fix bugs.
• Crash reports and error logs containing no personal financial information.

Subscription data

• Your current plan tier (Free, Pro, or Max), managed through Apple's StoreKit and RevenueCat. We never see your payment card details — Apple processes all payments directly.

2. How We Use Your Information

• To provide the service — calculating your Relief Map, Month Planner, and account summaries from the data you enter.
• To power the AI Money Coach (Max plan) — your financial data is sent to Anthropic's Claude API to generate personalized responses. Anthropic does not use your data to train its models under the terms of our API agreement.
• To send optional reminders — if you enable payment reminders, we send push notifications. You can turn these off at any time in your device Settings.
• To maintain and improve the app — error logs and crash reports help us identify and fix bugs.
• To manage your subscription — RevenueCat verifies your plan tier with Apple's servers so the correct features are unlocked.

3. Data Sharing

We do not sell, rent, or share your personal data with third parties for advertising or marketing purposes. The only third parties that receive any portion of your data are:

• Anthropic (AI Money Coach, Max plan only) — your financial data is sent to generate AI responses. See Anthropic's privacy policy at anthropic.com/privacy.
• RevenueCat — receives your anonymous app user ID and Apple receipt data to verify your subscription status. See revenuecat.com/privacy.
• Apple — processes all subscription payments. See apple.com/privacy.

We may disclose information if required by law or to protect the rights and safety of our users.

4. Data Storage and Security

• All data is stored on encrypted servers operated by Replit (replit.com), hosted on Google Cloud Platform infrastructure in the United States.
• Passwords are never stored in plain text — they are hashed using bcrypt before storage.
• All communication between the app and our servers uses HTTPS (TLS 1.2 or higher).
• Each user's data is logically isolated — no other user can access your accounts, debts, or transactions.
• Receipt images are stored in encrypted object storage and accessible only to your account.

5. Data Retention

We retain your data for as long as your account is active. If you request deletion of your account, we will permanently delete your personal data and financial entries within 30 days. Anonymized, aggregated statistics (e.g. total number of users) may be retained indefinitely as they contain no personally identifiable information.

6. Your Rights

Depending on your location, you may have the right to:

• Access — request a copy of the data we hold about you.
• Correction — update or correct your information directly in the app.
• Deletion — request permanent deletion of your account and all associated data.
• Portability — request your data in a structured, machine-readable format.
• Objection — object to certain types of processing.

To exercise any of these rights, email us at support@escapepayout.app. We will respond within 30 days.

7. Children's Privacy

Escape Payout is not directed at children under 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 and we will delete it immediately.

8. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you within the app. Continued use of the app after changes constitutes your acceptance of the updated policy.

9. Contact Us

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