Legal

Privacy Policy

Last updated: April 17, 2026 · Applies to: Horizon Market Compass (iOS, macOS) v2.0+

      The short version: Horizon does not collect, store, or share any personal information. All your data stays on your device by default. There are two optional features, both disabled by default and requiring your explicit consent, that send limited data to our servers: Share Links (a time-limited read-only snapshot, Section 4) and Cloud Alerts (your watchlist + Apple push-notification token so a daily market-close summary can be calculated server-side and pushed even when the app is closed, Section 5). Turning either feature off permanently deletes the associated data from our servers.
    

1. Information We Collect

Horizon 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 or tracking SDKs are included in the app
No advertising identifiers (IDFA) are collected
No device identifiers are collected, except an Apple Push Notification service (APNs) token when you explicitly enable Cloud Alerts — see Section 5

2. Data Stored on Your Device

All portfolio data you enter (holdings, cost basis, number of shares) is stored locally on your device using Apple's SwiftData framework. This data:

Never leaves your device to our servers, except via the optional Share Links feature (Section 4) or the optional Cloud Alerts feature (Section 5)
May be synced to your other Apple devices via iCloud if you have CloudKit sync enabled in Settings (controlled entirely by you)
Is included in your iCloud backup if you have iCloud backup enabled
Is deleted when you delete the app

3. Third-Party Market Data Services

Horizon fetches live market data from the following public APIs. These requests are made directly from your device and contain only stock ticker symbols, fund codes, or currency codes — no personal data is sent:

Yahoo Finance — stock quotes, dividend data, historical prices, and company information.
Financial Modeling Prep (FMP) — fallback data source for quotes and fundamentals. API key stored securely in your device's Keychain.
Twelve Data — fallback data source for US stock quotes. API key stored securely in your device's Keychain.
Finnhub — technical indicators, analyst ratings, price targets, and dividend data for US stocks. API key stored securely in your device's Keychain.
Frankfurter API (frankfurter.app) — currency exchange rates. Open-source, no account required.
SEC EDGAR (data.sec.gov) — publicly available 13F institutional investor filings for the Guru Portfolios feature. No personal data is sent.
NSE India — public market sentiment and FII/DII data for Indian market users.
WealthAdvisor (wealthadvisor.jp) — Japanese mutual fund NAV and distribution history. Fund codes only.
Morningstar / Seeking Alpha — analyst ratings and stock intelligence data.

4. Share Links (Optional, Opt-In)

Version 2.0 introduces an optional Share Links feature that allows you to create a shareable, read-only link to your portfolio or watchlist. This feature is disabled by default and requires your explicit consent before activation.

When you enable Share Links and create a link:

A snapshot of your selected portfolio or watchlist data is uploaded to our servers (hosted on Cloudflare's infrastructure)
The snapshot is stored temporarily in Cloudflare KV storage for the duration you select (1 hour to 90 days)
The data is automatically and permanently deleted when the link expires
You can control what is included: you may hide portfolio values, hide cost basis, or show allocations only
No account, name, or email is associated with the uploaded data
The data is never used for advertising, analytics, or sold to third parties
The shared link is accessible to anyone who has the link URL

You can disable Share Links at any time in Settings > Privacy. We recommend disabling it after each use and re-enabling only when needed.

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

5. Cloud Alerts (Optional, Opt-In)

Version 2.4 introduces an optional Cloud Alerts feature that pushes a daily watchlist summary to your device after each supported market closes — even when the app is closed. This feature is disabled by default and requires your explicit consent before activation. When you first enable the toggle, a consent screen shows you exactly what will be sent and you must tap "Enable" to proceed.

When you enable Cloud Alerts, the following is sent from your device to our server and stored until you turn the feature off:

Your Apple Push Notification service (APNs) device token — a random identifier issued by Apple so notifications can be routed to your specific device. It cannot be used to identify you as a person and cannot be used to track you across other apps or websites.
Your watchlist: ticker symbol, market (US / Japan / India / etc.), and the stock's display name for each watchlisted stock. Portfolio holdings, cost basis, share counts, trade history, and all other app data are never sent.
The app's bundle ID (used to validate the request).

What we do not send: no name, no email, no location, no IP-based geolocation, no portfolio value, no cost basis, no holdings, no trades, no API keys, no analytics, and no advertising identifiers.

Data is stored on our server (Cloudflare Workers + D1, hosted in the EU — Dublin region). It is accessible only by our server code that generates your notifications. It is never used for advertising, analytics, or sold to any third party.

Each device's entry is permanently deleted from our server when:

You turn Cloud Alerts off in Settings (immediate)
You uninstall Horizon — Apple invalidates the device token, our server is notified on the next attempted push, and the row is automatically removed
You revoke notification permission at the iOS / macOS level

The source code for the Cloud Alerts backend is maintained in a private MARS Studio repository and can be audited on request by contacting hmc-privacy@marsstudio.app.

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

6. Subscriptions

Version 2.0 introduces an optional Premium subscription ($39.99/yr) processed entirely through Apple's App Store and StoreKit. MARS Studio does not receive, store, or process any payment information. Apple's privacy policy governs all subscription transactions: apple.com/legal/privacy.

7. Advertising

Horizon Market Compass contains no advertisements and does not use any advertising identifiers (IDFA).

8. Children's Privacy

Horizon Market Compass does not knowingly collect information from children under 13. The app contains no features directed at children.

9. Changes to This Policy

If we make material changes to this policy, we will update the "Last updated" date above. Continued use of the app after changes constitutes acceptance of the updated policy.

10. Contact

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