Holdings ("the App") is a personal net-worth tracker for macOS and iOS developed by Gianfilippo Cisternino. This policy explains what data the App stores, what we collect, and your rights.
Where your data lives
- All your financial data — assets, monthly values, real-estate details, mortgages — is stored locally on your device using Apple's Core Data.
- If you are signed in to iCloud, your data syncs across your devices through the App's private CloudKit container (
iCloud.it.cisternino.Holdings). It travels between your devices through Apple's encrypted infrastructure and is never sent to our servers — we don't have any.
- Your display-currency preference is also stored in your iCloud key-value store so it follows you across devices.
What we collect
The App uses Firebase Analytics (a Google service) to collect anonymous, aggregated usage data that helps us understand how Holdings is used and improve it:
- Device identifier — a Firebase-generated installation ID linked to your app install, not to your Apple ID. We do not use Apple's advertising identifier (IDFA), so no App Tracking Transparency prompt is shown.
- Product interaction — which screens you visit and events such as adding an asset, opening the paywall, changing your display currency. We do not record what assets you own, their values, or any portfolio contents.
- Diagnostics — app version, OS version, session length, and similar non-personal technical data.
- Approximate location — Firebase derives a country-level location from your IP address for aggregated regional statistics. We do not store your IP address.
This data is linked to a per-install Firebase identifier but is not used to track you across other apps or websites.
This website
This website (the marketing and support pages you are reading now) uses Google Analytics 4 to measure anonymous, aggregated traffic — which pages are visited and from which country-level region. It records no personal data, no advertising identifiers, and nothing about your portfolio.
- Consent first — analytics cookies are loaded only after you accept them in the banner shown on your first visit. We use Google Consent Mode v2, so until you accept, Google Analytics runs in a cookieless mode and sets no analytics cookies. If you decline, no analytics cookies are ever set and your choice is remembered locally in your browser.
- What's measured — page views, referring page, approximate (country-level) location derived from your IP, browser and device type. IP addresses are anonymized and not stored by us.
- No cross-site tracking — we do not enable Google Signals, advertising features, or remarketing.
You can change your choice at any time by clearing this site's data in your browser, which makes the consent banner appear again.
What we do not collect
- We do not collect your name, email, Apple ID, or any contact information.
- We do not collect or transmit the contents of your portfolio — asset names, tickers, values, real-estate addresses, or any financial figures.
- We do not use Apple's advertising identifier (IDFA).
- We do not sell, share, or transfer data to third parties beyond the Firebase Analytics service described above.
- We do not run cross-app tracking, retargeting, or advertising SDKs.
Third-party data sources
To populate live prices and valuations, the App makes outbound requests to:
- Yahoo Finance — for stock, ETF, bond, crypto, and FX rate lookups. Requests include the ticker symbol you searched for. Yahoo's own privacy policy applies to those requests.
- Italian Agenzia delle Entrate (OMI dataset) — a bundled CSV updated annually; lookups are entirely local, no network request is made.
- Eurostat and FRED house-price indexes — bundled annual data, also entirely local.
In-app purchases
Holdings Pro is sold through Apple's standard In-App Purchase system. We never see your payment details. Apple may share aggregated, anonymized sales information with us through App Store Connect.
Your rights
You can delete your data at any time by removing the App from your devices and clearing the data from your iCloud account through iOS Settings > [your name] > iCloud > Manage Storage. You can also disable iCloud sync for the App in the same Settings panel.
If you are in the EU or another jurisdiction with applicable privacy laws (GDPR, CCPA, etc.), you have the right to request information about, correction of, or deletion of any data we may hold about you. Since the only data we hold is the anonymous Firebase Analytics described above (not tied to any personal identifier we control), the practical scope of these requests is limited, but you can still contact us.
Changes to this policy
We may update this policy from time to time. Changes will be posted on this page with an updated date.
Contact
For questions about this privacy policy, contact: gianfilippo.cisternino@gmail.com
