Effective date: October 13, 2026
MonthLedger respects your privacy. This policy explains how the app handles data.
MonthLedger does not require registration or sign-in. The developer does not receive, store, sell, or use your name, contact information, location, usage activity, transactions, account balances, tags, notes, or other ledger content for advertising, analytics, or cross-app tracking.
If you enable online exchange-rate updates, the third-party rate service may process necessary network information, such as your IP address, request time, and base-currency code, to provide rates, prevent abuse, and secure the service. This information may be linked to a device or network identity, but it is not used for advertising or cross-app tracking. See Section 3 for details.
Your ledger is stored locally on your device. The main app shares only the data needed for widgets and quick entry with MonthLedger’s own widget extension through an Apple App Group container. This sharing occurs only between MonthLedger and its widget on your device. The developer cannot access this local data.
Deleting MonthLedger also deletes the app data managed locally by iOS. CSV exports and full JSON backups are created at your request, and you choose where they are saved and how they are shared. If you enable daily iCloud backups, the app saves full JSON snapshots to the iCloud Drive folder you select, and Apple synchronizes those files using your iCloud account. You can turn automatic backup off at any time. Turning off automatic backups does not itself delete existing exported files. The app keeps 7 days of app-generated backups by default; you can customize the retention period or confirm deletion of a selected backup. Retention cleanup runs after a new backup syncs successfully and keeps at least the latest valid snapshot. Files with custom names are not automatically removed. Files in iCloud Drive remain subject to your iCloud settings and file management. iOS controls background backup scheduling; missed backups are attempted when you next open the app. This is file backup, not live ledger synchronization. Restoring a file replaces the local ledger after saving a local recovery point. The developer cannot access or control exported or iCloud backup files.
After you enable multiple currencies, fiat reference rates refresh at most once every 24 hours. For enabled cryptocurrencies, prices refresh when you open or return to the app if more than 5 minutes have elapsed. You can also refresh manually. Fiat requests send a base-currency code over HTTPS to the keyless public ExchangeRate-API Open Access service. If it fails or omits a quote, the app tries Currency API daily data via jsDelivr and Cloudflare. Failed automatic attempts wait at least 5 minutes before retrying; failure alerts appear at most once in 24 hours, including after an app restart. The service returns daily reference rates, which MonthLedger uses only for ledger estimates. They are not bank, transaction, trade-execution, clearing, or settlement rates. Source: Rates By Exchange Rate API.
Crypto prices come from the public Coinbase exchange-rates endpoint over HTTPS, requested with USD as the reference currency. Conversion to your chosen base currency happens on the device. If Coinbase fails or omits a quote, the app tries public Kraken USD market prices, with fiat conversion from the daily rate services. Coinbase receives no selected crypto list or holdings; Kraken receives the same fixed set of 16 supported USD pairs for every user, not your selected currencies or holdings. The app does not connect to wallets or exchanges for trading. Source: Coinbase Data API.
Requests do not include target-currency selections, transactions, balances, account names, tags, notes, contacts, device identifiers, or other ledger content. As with any internet request, the exchange-rate service and its network infrastructure providers may process necessary network information, such as your IP address, request time, and base-currency code, to deliver and secure the service and prevent abuse. Their own privacy policies govern that processing.
Backup sources: Currency API, Kraken public ticker API.
MonthLedger does not include advertising SDKs, third-party analytics SDKs, social sign-in, or bank connections. It does not request access to your contacts, precise location, microphone, camera, or health data. Backup import and export use the system file picker. You choose the file or folder that the app can access; iCloud backups use your Apple account through iCloud Drive, without sending backup files to the developer.
MonthLedger is not specifically designed for children. The developer cannot access ledger content stored locally on the device. If online exchange rates are enabled, the third-party rate service handles necessary network information as described in Section 3.
If MonthLedger’s data-handling practices change, this policy will be updated with a new effective date and published on this page.
For privacy questions, email Oasis7311+monthledger@gmail.com.
生效日期：2026 年 10 月 13 日
月结账本（MonthLedger）尊重并保护你的隐私。本政策说明 App 如何处理数据。
月结账本无需注册或登录。开发者不会接收、存储或出售你的姓名、联系方式、位置、使用行为、交易记录、账户余额、标签、备注或其他账本内容，也不会使用这些数据进行广告、分析或跨 App 跟踪。
仅当你启用在线汇率更新时，第三方汇率服务可能为了提供汇率、限制滥用和保障服务安全而收集 IP 地址、请求时间和本位币代码等必要网络信息。这些信息可能与设备或网络身份关联，但不会用于广告或跨 App 跟踪。具体范围见第 3 节。
账本数据保存在你的设备本地。主 App 会通过 Apple 的 App Group 机制与月结账本桌面小组件共享完成小组件展示与快捷记账所需的数据。此共享只发生在你设备上的月结账本 App 与其小组件之间，开发者无法访问这些内容。
删除 App 会删除由系统管理的本地 App 数据。CSV 导出和完整 JSON 备份由你选择保存位置和分享对象。开启每日 iCloud 备份后，App 会将完整 JSON 快照写入你选定的 iCloud 云盘文件夹，由 Apple 通过你的 iCloud 账户同步；你可以随时关闭自动备份。关闭自动备份本身不会删除已导出的文件。App 生成的备份默认保留最近 7 天，可自定义保留天数，或在 App 内确认删除指定备份。新备份同步成功后，按保留规则清理过期快照，至少保留最新一份有效备份；自定义命名文件不会被自动清理。iCloud 云盘中的文件仍由你的 iCloud 设置和文件管理操作决定。后台备份由 iOS 安排，未执行时下次打开 App 补备份。这是文件备份，不是账本实时同步。恢复文件时会在替换本地账本前保存本地恢复点。开发者无法控制或访问导出文件及 iCloud 备份。
启用多个币种后，法币参考汇率最多每 24 小时自动更新一次。已启用的加密货币在打开 App 或回到前台时，距上次获取超过 5 分钟会刷新，也可以手动更新。法币刷新时，App 会通过 HTTPS 向免密公开的 ExchangeRate-API Open Access 服务发送你选择的本位币代码。接口失败或缺少报价时，改用经 jsDelivr 和 Cloudflare 提供的 Currency API 每日数据。自动更新失败后至少间隔 5 分钟重试；失败弹窗每 24 小时最多提醒一次，重启 App 后仍保留冷却。服务返回每日参考汇率，App 仅将这些数值用于账本估算；它们不代表银行成交、交易执行、清算或结算价格。汇率来源：Rates By Exchange Rate API。
加密货币价格通过 HTTPS 从 Coinbase 公开汇率接口获取，请求固定使用 USD，本位币换算在本机完成，不发送你选择的加密货币或持仓。Coinbase 失败或缺少报价时，改用 Kraken 公开美元行情，并通过每日法币汇率换算；Kraken 收到的是固定的 16 个受支持美元交易对，不包含你的币种选择或持仓。App 不连接钱包，也不执行交易。来源：Coinbase Data API。
请求不会包含交易记录、余额、账户名称、标签、备注、联系人信息、设备标识符或其他账本内容，也不会发送目标币种列表。与任何联网请求一样，汇率服务及其网络基础设施服务商可能为了传输、安全和防止滥用而处理 IP 地址、请求时间、本位币代码等必要的网络信息；相关处理适用服务商自身的政策。
备用来源：Currency API、Kraken 公开行情接口。
月结账本不接入广告 SDK、第三方分析 SDK、社交登录或银行账户连接。App 不会请求通讯录、精确位置、麦克风、相机或健康数据权限。备份导入导出通过系统文件选择器，由你选择 App 可访问的文件或文件夹；iCloud 备份通过你的 Apple 账户使用 iCloud 云盘，不向开发者发送备份文件。
月结账本不面向儿童提供专门服务，开发者无法访问保存在设备本地的账本内容。启用在线汇率时产生的必要网络信息按照第 3 节所述由第三方汇率服务处理。
如果 App 的数据处理方式发生变化，本政策会更新生效日期，并在此页面发布新版本。
如对本隐私政策有疑问，请发送邮件至：Oasis7311+monthledger@gmail.com