Privacy Policy

This Privacy Policy explains how Totum (the “App”) handles information. Totum is developed and published by Mohamed Hegab, an individual developer (“we,” “us,” or “our”). By using Totum, you acknowledge the practices described below.

1. Scope and privacy contact

This policy applies to Totum for iPhone and iPad and to support communications about the App. For privacy questions, requests, or complaints, contact:

2. Information stored only on your device

Totum can store the following information in the App’s local container:

• Asset and liability names, categories, balances, and balance history.
• Individual transaction or adjustment entries, including amounts, dates, and any text you enter.
• Recurring income and dividend schedules.
• Interest rates and calculated interest entries.
• Currency, theme, and other App preferences.
• Cached exchange rates and their reference dates.

This information is processed on your device to calculate and display your net worth and related performance. We do not operate a Totum account system, receive a copy of these financial records, or use them for advertising or profiling.

3. Information processed through online services

Exchange-rate requests

When an online currency conversion is requested, Totum sends the selected three-letter base and quote currency codes to the public Frankfurter exchange-rate API. Totum does not send account names, balances, entry amounts, notes, income, dividends, or interest information with that request.

The public Frankfurter service operates behind Cloudflare. Its network infrastructure may process basic connection and request information, such as an IP address, request time, user-agent or device/network information, for delivery, security, abuse prevention, and basic analytics. The returned rate and reference date are cached locally for offline use.

Bug reports and support email

If you select “Report a bug,” Totum opens your chosen email app with our support address, a template, the App version and build, the operating-system version, and the general device type prefilled. Nothing is sent unless you review and send the message. You can edit or remove the prefilled information before sending.

We receive the email address, message contents, attachments, and technical details you choose to send. The template asks you not to include account names, balances, or other financial records. Your email provider and Google, which provides our support mailbox, may process the message under their respective policies.

No advertising tracking

Totum does not contain advertising SDKs, request access to Apple’s advertising identifier, sell personal information, or track you across apps and websites owned by other companies for targeted advertising.

4. Why information is processed

Information is processed only as reasonably necessary to:

• Provide Totum’s local net-worth calculations and user-selected features.
• Retrieve and cache requested reference exchange rates.
• Respond to support, privacy, or legal requests.
• Comply with applicable law and enforce applicable agreements.

Where data-protection law requires a legal basis, these activities rely on providing the service you requested or performing a contract, our legitimate interests in operating and securing Totum, compliance with legal obligations, or consent where specifically requested.

5. Service providers and disclosure

We do not sell personal information. Information may be processed by the following providers only for the purposes described above:

• Apple: App distribution and related platform services. See Apple’s Privacy Policy.
• Frankfurter and Cloudflare: Exchange-rate delivery, network security, abuse prevention, and basic service analytics. See Frankfurter’s service information and Cloudflare’s Privacy Policy.
• Google: Delivery and storage of support emails sent to our Gmail address. See Google’s Privacy Policy.

We may also disclose information if reasonably necessary to comply with a valid legal obligation, protect users or the public, investigate fraud or security issues, or establish and defend legal claims. Because your financial records are not transmitted to us, we ordinarily cannot disclose or retrieve them.

6. Retention and deletion

Local Totum data

Your Totum financial records remain on your device until you edit or delete them using available App controls or delete the App. Deleting Totum ordinarily removes its local App container from that device. Copies may remain temporarily in device backups controlled by you or Apple until those backups are overwritten or deleted.

Support communications

We retain support and bug-report emails only as long as reasonably necessary to answer the request, diagnose recurring problems, protect the App, or meet legal obligations. You may ask us to delete a support communication, subject to information we must retain for legal or security purposes.

7. Security and backups

Totum relies on Apple’s App sandbox and device security protections to isolate local data. Online requests use encrypted HTTPS connections. No storage or transmission method can be guaranteed completely secure, so you should protect your device with a passcode, keep your operating system updated, and maintain any backups you consider necessary.

Totum does not provide its own cloud synchronization or recovery service. Depending on your Apple and device settings, the operating system may include App data in an iCloud, Finder, or device backup. Those backups are governed by Apple’s terms and your settings.

8. Your choices and privacy rights

You can:

• Edit or delete local records using available App controls.
• Turn off the secondary-currency feature to avoid automatic exchange-rate refreshes for that display.
• Choose whether to send a bug report and edit or remove any prefilled diagnostic details before sending.
• Delete Totum to remove its local container from the device, subject to device backups.
• Contact us to request access, correction, deletion, restriction, portability, or objection for personal information that we control, where applicable law grants that right.

Since we do not receive your locally stored financial records, we cannot view, export, correct, or delete those records remotely. Requests concerning Apple-controlled information should be directed to Apple.

European Economic Area and United Kingdom

If applicable, you may have rights to access, correct, erase, restrict, or receive a portable copy of personal data, and to object to certain processing. You may also lodge a complaint with your local data-protection authority. Contact us first if you would like us to address a concern.

United States state privacy disclosures

Depending on your state, you may have rights concerning access, correction, deletion, and portability. We do not sell personal information or share it for cross-context behavioral advertising.

9. International processing

Apple, Frankfurter, Cloudflare, Google, your chosen email provider, and their service providers may process information in countries other than the one where you live. Their processing is governed by their policies and applicable safeguards. Your locally stored Totum financial records are not transferred to these providers by Totum.

10. Children

Totum is a general personal-finance utility and is not directed to children. We do not knowingly collect financial records or other personal information from children. If you believe a child has provided personal information to an online service through Totum, contact us so we can assess the request.

11. Changes to this policy

We may update this Privacy Policy when Totum’s features, providers, or legal obligations change. The updated policy will show a new effective date and will be made available in the App and at the public policy URL used for the App Store listing. Material changes will be communicated as required by applicable law.

12. Contact