同行 TwoRetire — 隱私權政策 Privacy Policy

TwoRetire 不收集、不傳送任何使用者資料至開發者伺服器。所有資料僅存於您的裝置及您個人的 iCloud 私有資料庫;若您選擇與配偶共同規劃,部分資料會透過 Apple 的 iCloud 共享機制直接同步到配偶的裝置,同樣不經過開發者伺服器。

1. 總覽

同行 TwoRetire 是一款協助夫妻共同規劃退休財務的工具,幫助您記錄退休帳戶、試算退休時程與提領策略。本 app 由個人開發者發布,不隸屬於任何公司。

本隱私政策說明我們如何處理您的個人資料。

2. 我們收集什麼資料?

我們不收集任何資料。所有您在 app 中輸入的內容,均儲存於您自己的裝置或您個人的 Apple iCloud 私有資料庫,開發者無法存取。

帳戶與資產資料

帳戶名稱、金融機構、帳戶類型(如 401(k)、傳統/Roth IRA)、稅務屬性、餘額紀錄等,透過 Apple CloudKit 私有資料庫同步,預設僅您本人可存取。

退休規劃資料

出生年份、目標退休年齡、社會安全金(Social Security)請領年齡與預估金額、支出與收入假設、您建立的模擬情境等,用於在您的裝置上計算退休預估,同樣只存在您的 iCloud 私有資料庫,不會傳送給開發者。

App 偏好設定

介面語言、通知開關等使用者偏好,存於裝置本機,不會離開您的裝置。

3. 與配偶共享(家庭規劃)

如果您邀請配偶加入,您可以自行選擇哪些帳戶要「共享明細」、「只共享總額」或「保持私人」——只有您主動選擇分享的部分,才會透過 Apple 的 CloudKit 共享資料庫(CKShare)直接同步到配偶的裝置。這個同步完全發生在 Apple 的基礎設施內,開發者沒有存取權限,也不經過開發者的伺服器(因為本 app 根本沒有自己的伺服器)。

可見性的變更只能從「較不公開」升級到「較公開」(例如私人 → 共享),不能反向降級——這是刻意的設計,因為配偶已經看過的明細本來就無法真正收回。

4. 相機使用

本 app 使用裝置相機,僅用於掃描配偶傳來的邀請 QR code 以加入共同的家庭規劃。掃描過程完全在您的裝置上進行(Apple VisionKit),不會拍攝、儲存或上傳任何照片或影像。

5. 通知

本 app 會依您帳戶的更新時間,在裝置本機產生季度更新提醒通知,完全在您的裝置上計算,不會被開發者讀取。app 另外使用 Apple 的靜默推播(silent push)機制,僅用於觸發 iCloud 資料同步,推播本身不含任何個人資料內容,開發者也無法看到您的資料。

6. 第三方分享

我們不與任何第三方分享您的個人資料。本 app 不含廣告網路、分析 SDK,也不含任何第三方追蹤器。

7. 資料儲存與同步

本 app 使用 Apple 的 CloudKit 技術進行跨裝置同步。您的資料儲存於 Apple 管理的私有(或共享)資料庫,開發者沒有後台可以查看您的個人內容。

資料的隱私保護受 Apple 隱私政策規範:apple.com/legal/privacy

8. 您的資料控制權

刪除單一帳戶:您可以在 app 內直接刪除任何一筆帳戶紀錄。
刪除所有資料:您可以在 iPhone「設定 → 您的 Apple ID → iCloud → 管理帳號儲存空間」中找到 TwoRetire,刪除其 iCloud 資料;或直接移除 app。

9. 兒童資料保護

本 app 是設計給成年使用者規劃自身退休財務的工具,並非設計給兒童使用,也不會刻意向 13 歲以下兒童收集任何個人資料。

10. 非投資理財建議

TwoRetire 提供的試算與投影僅供個人規劃參考,不構成投資、稅務或法律建議,也不是任何形式的理財顧問服務。實際決策請諮詢合格的專業顧問。

11. 政策變更

若本政策有重大變更,我們會更新本頁面上方的「最後更新」日期。建議您不定期回來查看。

12. 聯絡我們

如有任何隱私相關問題,請透過 App Store 上的開發者聯絡方式與我們聯繫。

TwoRetire does not collect or transmit any user data to developer servers. All data is stored only on your device and in your personal iCloud private database. If you choose to plan together with your spouse, some data syncs directly to their device through Apple's iCloud sharing mechanism — also without passing through any developer server.

1. Overview

TwoRetire is a tool that helps couples plan their retirement finances together — tracking retirement accounts and modeling retirement timing and withdrawal strategies. This app is published by an independent developer.

This Privacy Policy explains how we handle your personal information.

2. What data do we collect?

We collect no data. Everything you enter in the app is stored on your own device or in your personal Apple iCloud private database, which the developer cannot access.

Account & Asset Data

Account names, financial institutions, account types (e.g. 401(k), Traditional/Roth IRA), tax treatment, and balance history are synced through Apple's CloudKit private database and are accessible only to you by default.

Retirement Planning Data

Birth year, target retirement age, Social Security claim age and estimated benefit, spending/income assumptions, and any scenarios you create are used to compute retirement projections on your own device, and are likewise stored only in your iCloud private database — never sent to the developer.

App Preferences

Interface language, notification toggles, and other preferences are stored locally on your device and never leave it.

3. Sharing With Your Spouse (Household Planning)

If you invite your spouse, you choose which accounts to make "fully shared," "totals only," or "private" — only what you actively choose to share syncs directly to your spouse's device through Apple's CloudKit sharing database (CKShare). This sync happens entirely within Apple's infrastructure; the developer has no access to it and it never passes through a developer server (this app doesn't have one).

Visibility can only be upgraded toward more sharing (e.g. private → shared), never downgraded — this is intentional, since details your spouse has already seen can't truly be un-shared.

4. Camera Use

This app uses the device camera solely to scan the QR code invite your spouse sends you to join a shared household plan. Scanning happens entirely on your device (Apple VisionKit) — no photo or video is captured, stored, or uploaded.

5. Notifications

Based on when your accounts were last updated, this app generates a quarterly update reminder locally on your device — computed entirely on-device and never read by the developer. The app also uses Apple's silent push mechanism solely to trigger iCloud sync; the push itself carries no personal data, and the developer cannot see your data.

6. Third-Party Sharing

We do not share your personal data with any third parties. This app contains no ad networks, analytics SDKs, or third-party trackers.

7. Data Storage & Sync

This app uses Apple's CloudKit technology for cross-device synchronization. Your data is stored in Apple's private (or shared) database — the developer has no dashboard access to your personal content.

Data privacy is governed by Apple's Privacy Policy: apple.com/legal/privacy

8. Your Data Controls

Delete a single account: You can delete any account record directly within the app.
Delete all data: You can find TwoRetire under iPhone Settings → your Apple ID → iCloud → Manage Account Storage and delete its iCloud data, or simply remove the app.

9. Children's Data

This app is designed for adults planning their own retirement finances. It is not directed at children, and we do not knowingly collect personal data from children under 13.

10. Not Financial Advice

The projections and calculations TwoRetire provides are for personal planning reference only. They do not constitute investment, tax, or legal advice, nor any form of financial advisory service. Please consult a qualified professional advisor for actual decisions.

11. Changes to This Policy

If we make material changes to this policy, we'll update the "Last Updated" date at the top of this page. Please check back periodically.

12. Contact Us

For any privacy-related questions, please contact us through the developer contact information on the App Store.