Legal

Privacy Policy

Last updated: May 4, 2026 · Applies to: Compounder HQ (iOS) v1.0+

      The short version: Compounder HQ does not collect, store, or share any personal information. All your data — accounts, positions, transactions, tax lots, watchlist, settings — lives on your device. No account, no email, no analytics. Optional iCloud sync (CloudKit private database) keeps your devices in sync. The app fetches public market data over the network using ticker symbols only — no personal data is sent.
    

1. Information We Collect

Compounder HQ does not collect any personally identifiable information. Specifically:

No account registration is required.
No name, email, or contact information is collected.
No location data is accessed.
No analytics, telemetry, or tracking SDKs are included in the app.
No advertising identifiers (IDFA) are collected.
No device identifiers, push tokens, or fingerprints are collected by us.

2. Data Stored on Your Device

All app data you enter is stored locally on your device using Apple's SwiftData framework:

Accounts — brokerage names and types you create.
Positions, lots, transactions — ticker symbols, share counts, cost basis, purchase dates, and notes you enter.
Watchlist — symbols you add to follow.
Tax settings — your residency selection and per-class tax rates.
Income goal — your target annual income and assumptions.
Preferences — sort orders, default lot allocation method, alert settings.

This data:

Never leaves your device to our servers.
May be synced to your other Apple devices via iCloud (CloudKit private database) if you enable iCloud sync in Settings — controlled entirely by you.
Is included in your iCloud backup if you have iCloud backup enabled.
Is permanently deleted when you delete the app and (if applicable) clear the associated iCloud container.

3. Third-Party Market Data Services

Compounder HQ fetches live market data from the following public APIs. These requests are made directly from your device and contain only stock ticker symbols, ETF identifiers, or date ranges — no personal data is sent:

Finnhub — primary source for quotes, fundamentals, dividend history, company profiles, basic financials, earnings calendar, and analyst data. The app ships with a shared key for casual use; Pro users may bring their own Finnhub API key, which is stored securely in your device's iOS Keychain.
SEC EDGAR (data.sec.gov) — publicly available regulatory filings. Used by Compounder HQ's covered-call ETF distribution-class manifest workflow. No personal data is sent.

These services have their own privacy policies governing how they handle the API requests Compounder HQ sends:

Finnhub privacy policy: finnhub.io/privacy
SEC.gov privacy policy: sec.gov/privacy

4. Shared Cache (Cloudflare Worker)

To stay within Finnhub free-tier rate limits, certain data — dividend history, ETF distribution policies, computed Compounder Scores, basic financials, and earnings dates — is read from and written to a shared cache hosted on Cloudflare Workers + D1 (in the EU — Dublin region). The cache is shared across MARS Studio's investment apps. The data flowing through this cache:

Contains only public market data — ticker symbols, ex-dividend dates, dividend amounts, ETF distribution-class breakdowns, share counts in financial statements, etc.
Contains no personal data, no holdings, no cost basis, no portfolio value, no account information, and no device identifier.
Uses a shared bearer token (embedded in the app binary) to authenticate write requests — the token is not unique per user.

Cloudflare's privacy policy applies to data stored on their infrastructure: cloudflare.com/privacypolicy.

5. Push Notifications

Compounder HQ v1.0 uses local notifications only — ex-dividend reminders and earnings reminders are scheduled on your device via iOS BackgroundTasks and UNUserNotifications. No Apple Push Notification service (APNs) tokens are sent to any server. Server-driven push alerts are planned for a future v1.1 release and will be opt-in with a separate consent screen at that time.

6. Subscriptions (StoreKit)

Compounder HQ offers an optional Pro subscription ($39.99/yr) processed entirely through Apple's App Store and StoreKit 2. MARS Studio does not receive, store, or process any payment information — we receive only a confirmation that your transaction is valid. Apple's privacy policy governs all subscription transactions: apple.com/legal/privacy.

You can manage or cancel your subscription at any time via iOS Settings > [your name] > Subscriptions or the in-app Settings > Manage Subscription link.

7. CSV Imports

When you import a brokerage CSV (Fidelity, Schwab, Vanguard, IBKR, SBI証券, 楽天証券, マネックス証券, or generic), the file is parsed entirely on your device. The CSV contents are never uploaded — only the resulting positions you choose to commit are saved to your local SwiftData store.

8. iCloud Sync (Optional, Opt-In)

If you enable iCloud sync in Settings, Compounder HQ uses Apple's CloudKit private database (your personal iCloud, scoped to the app) to keep accounts, positions, lots, transactions, watchlist, and settings in sync across your Apple devices signed in to the same Apple ID. MARS Studio cannot read or access this data — the CloudKit private database is end-to-end controlled by your Apple ID. You can disable sync at any time in Settings.

9. Analytics & Crash Reporting

Compounder HQ does not include any third-party analytics SDKs (no Firebase, no Mixpanel, no Amplitude, no Sentry, no Crashlytics, etc.). If you opt in to share crash data with Apple at the iOS level (iOS Settings > Privacy & Security > Analytics & Improvements), Apple may share aggregated, anonymised crash logs with us via App Store Connect — this is governed by Apple's privacy policy and is independent of the app.

10. Advertising

Compounder HQ contains no advertisements and does not use any advertising identifiers (IDFA).

11. Children's Privacy

Compounder HQ is not directed at children. The app does not knowingly collect information from children under 13. Investment tracking inherently requires adult financial accounts and tax-classification context that is unsuitable for minors.

12. International Users

Compounder HQ is available globally on the App Store. The app is designed to support investors holding US-listed securities regardless of their country of residence (NRIs, US expats, IBKR International / Schwab International / Moomoo US users). The shared cache (Section 4) is hosted in the EU (Dublin region) — if your residency selection touches a residency-specific tax engine, those calculations remain entirely on your device. No personal data crosses borders via our infrastructure.

13. Changes to This Policy

If we make material changes to this policy, we will update the "Last updated" date above and (where the change is material) surface a notice in the app on next launch. Continued use of the app after changes constitutes acceptance of the updated policy.

14. Contact

Questions about this policy? Contact us at chq-privacy@marsstudio.app or write to us at MARS Studio, marsstudio.app.