Privacy Policy
This Privacy Policy describes how bkova (“we”, “us”, or “the App”) handles information when you use the iOS application. bkova is an efficiency tool for organizing mortgage escrow figures (tax and insurance reserves), projecting cushion and shortage, and comparing response options. It is a personal worksheet, not a servicer, lender, or financial advisor.
1. Summary
- Escrow numbers, bills, ledger entries, and plan notes you enter are stored on your device.
- Optional photos of statements or receipts stay on your device unless you export or share them yourself.
- We do not require an account and do not sell personal information.
- Limited network activity may occur for app configuration or linked content display; it is not used to build an advertising profile from your escrow worksheet.
2. Information you provide
Depending on how you use the App, you may enter or attach:
- Loan nickname, servicer name, and notes you type.
- Escrow balance, monthly deposit, cushion rules, analysis horizon, and tax or insurance bill amounts and due months.
- Actual ledger entries (deposits, disbursements, catch-up, adjustments) and related notes.
- Response-plan choices and snapshot titles or notes.
- Photos or images of escrow statements or payment proofs, if you choose to attach them via camera or photo library.
This information is used only to operate the worksheet features you request (forecasts, comparisons, calendar views, and local records).
3. Information collected automatically
The App may process limited technical data required for normal operation on iOS, such as:
- Device and system capabilities needed to display the interface and store local files.
- Diagnostic signals generated by the operating system when the App crashes or is terminated (subject to your system settings).
- Network requests needed to load remote configuration or web content when that path is enabled by the App’s launch logic.
We do not use on-device escrow worksheet contents for third-party advertising.
4. Camera and photos
If you grant permission, the App may access the camera or photo library so you can attach a picture of a statement line or receipt next to an entry. Images are saved in the App’s local storage on your device. You can deny or revoke these permissions in iOS Settings; core worksheet features that do not need photos remain available.
5. Storage and retention
Primary worksheet data is stored locally in the App’s sandbox (for example, documents and photo files under the App container). Data remains until you delete entries in the App or remove the App from the device. Uninstalling bkova removes its local container under normal iOS behavior.
6. Sharing
We do not sell your personal information. We do not share your escrow worksheet contents with third parties for their marketing. Sharing may occur only when:
- You initiate it yourself (for example, system share sheets, screenshots, or copying text).
- Required by law, regulation, or valid legal process.
- Needed to protect rights, safety, or integrity of users or the App in response to abuse or security issues.
Apple and other platform providers may process limited technical information under their own terms when you download or update the App.
7. Children
bkova is not directed to children under 13 (or the minimum age required in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided information in the App, contact us so we can help you remove local data by guiding uninstall or reset steps.
8. International use
The App is designed for personal use on your device. If you use it while traveling, local storage remains on the device; any network features follow the connectivity and jurisdiction of your network path.
9. Your choices
- Edit or delete ledger entries, bills, and plans inside the App.
- Remove attached photos from entries where the App provides a remove control.
- Revoke camera or photos access in iOS Settings → bkova.
- Delete the App to remove its local data from the device.
10. Changes to this policy
We may update this Privacy Policy when features or legal requirements change. The “Effective” date at the top will be revised. Continued use after an update means you accept the revised policy for that version of the App.
11. Contact
Privacy questions about bkova: