Privacy Policy & Terms of Service

Privacy Policy

1. What We Collect

Data stored only on your device

• Log entries: the text of what you log (e.g., "coffee $4.50", "morning run done")
• Timestamps of each entry
• Category assignments (expense, habit, note, income)
• App preferences (notification settings, category order, theme)

We do not have access to any of this data. It is stored in your device's local SwiftData database and, if you enable iCloud sync, in your private iCloud account (which we also cannot access).

Anonymous analytics (optional)

If you enable analytics (optional, off by default), we may receive anonymous event counts such as app launch count, feature usage events, and crash reports. This data is never linked to your identity and cannot be used to reconstruct your logs.

Data we do NOT collect

• Voice recordings (processed on-device by Apple's Speech framework)
• Log content or entry text
• Location data
• Contacts, camera, or photo access
• Name, email, or any personally identifiable information
• Device advertising ID (IDFA)

2. In-App Purchases (Pro)

If you purchase Loquo Pro, your payment is processed by Apple through the App Store. We receive only:

• Whether you have an active purchase (yes/no)
• The purchase type

We do not receive your payment method, name, or billing address. All payment processing is handled by Apple.

3. iCloud Sync

If you enable iCloud sync, your log entries are stored in your personal iCloud account using Apple's CloudKit private database. Neither Apple nor Loquo can read the contents of your private CloudKit database. You can disable iCloud sync at any time in iOS Settings → iCloud.

4. Speech Recognition

Loquo uses Apple's on-device SFSpeechRecognizer for voice transcription. Your voice audio is:

• Processed entirely on your device
• Never transmitted to our servers
• Never stored as audio (only the resulting text is saved)

Apple's own privacy policy governs the Speech framework. We do not have any access to this audio stream.

5. Data Retention

• Your log entries remain on your device until you delete them.
• Free users: entries older than 90 days are hidden from the app UI but not deleted — they become accessible if you upgrade to Pro.
• If you delete the app, all local data is deleted with it.
• If you use iCloud, iCloud data can be managed via iOS Settings → [Your Name] → iCloud → Manage Storage.

6. Children

Loquo is not directed to children under 13. We do not knowingly collect any information from children.

7. Changes to This Policy

If we make material changes to this policy, we will notify you via an in-app notice before the change takes effect. We will always post the current version here.

8. Contact

Questions or concerns? Email us at: privacy@loquo.app

Terms of Service

1. Acceptance

By downloading or using Loquo, you agree to these terms. If you do not agree, do not use the app.

2. License

We grant you a personal, non-exclusive, non-transferable license to use Loquo on devices you own or control, subject to these terms.

3. What You Can and Cannot Do

You can:

• Use Loquo for personal, non-commercial purposes
• Log any content that is lawful and does not infringe anyone's rights

You cannot:

• Reverse engineer, decompile, or modify the app
• Use the app to violate any law
• Attempt to extract data from other users
• Resell or redistribute the app

4. Pro Purchase

• Loquo Pro is a one-time purchase through Apple's App Store.
• No refunds for purchases (governed by Apple's refund policy).
• Features included in Pro may change. We will give advance notice before removing features.

5. Disclaimer of Warranties

Loquo is provided "as is" without warranty of any kind. We do not guarantee the app will be error-free or available at all times.

6. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of Loquo. Our total liability to you in any circumstance is limited to the amount you paid us in the 12 months before the claim.

7. Governing Law

These terms are governed by applicable law, without regard to conflict of law principles.

8. Contact

Questions about these terms: legal@loquo.app