Privacy Policy

Effective date: TBD (set at App Store launch)

Kelo is built so that we cannot see your financial plan. Every simulation runs on your iPhone. We do not operate servers that receive your scenario data, because we do not need to. This page describes, in plain language, what that means for you.

1. Data We Collect

None. Kelo collects no personal information, no analytics, no telemetry, no crash reports, and no identifiers. The App Store nutrition label for Kelo reads "Data Not Collected" for all categories.

2. Data Stored On Your Device

Your scenarios — portfolio values, annual spending, allocation, FIRE mode, Social Security assumptions, ACA inputs — are stored locally using Apple's SwiftData framework inside the app's sandboxed container.

This data never leaves your device unless you explicitly enable iCloud sync (see Section 3).

3. Optional iCloud Sync

Sync is off by default on real devices and can be toggled in Settings → Sync. When enabled, your scenario data synchronizes across your devices using Apple's CloudKit private database, scoped to your personal iCloud account (container ID: iCloud.com.kelo.app).

Your data is encrypted in transit and at rest using your iCloud account encryption keys. We do not possess decryption keys. We cannot read your data even if we wanted to.

4. What We Cannot Do

We cannot see your scenario inputs, results, or assumptions.
We cannot recover or export your data — you own it entirely.
We cannot sell your data — we never receive it.
We cannot share it with advertisers, brokers, or aggregators — the app contains no code that transmits plan data to our servers.

5. App Tracking Transparency

Kelo does not track you across apps or websites owned by other companies. Accordingly, Kelo does not present the App Tracking Transparency prompt.

6. Third-Party Services

The Kelo app itself uses no third-party SDKs, analytics platforms, crash reporters, or advertising networks. The only external service integrated into the app is Apple's CloudKit — and only if you turn on iCloud sync.

Email sent to support@kelofireplanner.com is handled by Zoho Mail (Zoho Corporation) acting as our email service provider. The contents of the email, your email address, and any information you voluntarily include are processed by Zoho under its privacy policy. We retain support correspondence only as long as needed to resolve your request and for a reasonable follow-up period thereafter.

7. Children's Privacy (COPPA)

Kelo is not directed at children under 13. We do not knowingly collect personal information from children because we do not collect personal information at all.

8. California Residents (CCPA/CPRA)

Kelo does not sell personal information. Kelo does not share personal information for cross-context behavioral advertising. Because we do not collect personal information, there is nothing for you to access, delete, correct, or opt out of under the CCPA/CPRA.

9. EU/UK Residents (GDPR)

For data generated inside the Kelo app, we do not act as a data controller because we do not collect or process it — every simulation runs on your iPhone. When iCloud sync is enabled, Apple acts as the data processor under its standard terms.

If you contact us by email at support@kelofireplanner.com, we act as the data controller for the contents of your message and your email address, with Zoho Mail as our processor (see Section 6). Under the GDPR/UK GDPR you may request access to, correction of, or deletion of this correspondence at any time by writing to the same address.

10. Data Retention and Deletion

Local data on your device persists until you delete it. You can remove all app data by deleting the app from your iPhone. If iCloud sync was enabled, you can also remove the app's iCloud container via iPhone Settings → [Your Name] → iCloud → Manage Account Storage → Kelo.

11. Changes to This Policy

If we update this policy, the effective date above will change and the new version will ship with the next app update. For material changes, we will surface the update in the app.

12. Contact

Data controller: Gurinder Singh
Email: support@kelofireplanner.com
Jurisdiction: India (courts in Chandigarh)