Privacy Policy

Last Updated: May 4, 2026

This Privacy Policy describes how "Skill2Income – Earn Smarter" application published under the developer account "Kevin Ghori" collects, uses, and protects user data. By using this app, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Depending on the app functionality, we may collect the following types of data:

a. User-Provided Data
  • Skill descriptions and details you type into the app
  • Voice recordings of skill descriptions captured through your device microphone (transcribed to text on-device using Apple Speech Recognition)
  • Onboarding answers and profile preferences you choose during setup (such as goals, experience level, monetization preferences)
  • Tasks, plans, progress, and notes you create within the app
  • Promo codes you enter for trial activation
b. Usage Data
  • Device type, model, and OS version
  • App usage statistics and feature interactions
  • Crash reports and diagnostic data
  • Subscription and purchase status (managed via Apple In-App Purchase)
  • Device advertising identifier (Apple IDFA on iOS), collected by our advertising partner Google AdMob to serve relevant advertisements — only after you grant permission via the Apple App Tracking Transparency (ATT) prompt
c. AI Skill Analysis & Third-Party Processing
  • When you use the AI skill analysis and monetization-suggestion features, the app securely transmits selected user inputs to AI processing services to generate the requested output.
  • The transmitted data may include:
    • Text descriptions of your skill
    • Transcribed text from voice recordings (the audio itself is processed locally on the device by Apple Speech Recognition and is not transmitted)
    • Selected onboarding preferences relevant to the requested AI analysis
  • The application uses AI processing powered by Replicate's hosted model APIs to analyze skill descriptions and generate monetization ideas, launch plans, and learning suggestions.
  • These services process user inputs solely to generate the requested output.
  • We do not sell, rent, or use user content for advertising profiling.
  • User inputs are not retained by us after processing unless you save the generated result on your own device.

2. How We Use Your Information

  • Generate AI-powered skill analysis, monetization ideas, and launch plans on your request
  • Improve app performance and user experience
  • Enhance AI output quality
  • Fix bugs and improve functionality
  • Deliver and validate in-app purchases and subscriptions
  • Show relevant ads (only when you are not a premium subscriber and ads are enabled)

We do not sell, rent, or transfer any user data to third parties.

3. Data Storage, Sharing & Retention

a. Where Is Your Data Stored?
  • Most user-generated content (skill descriptions, plans, tasks, progress, onboarding answers) is stored locally on your device only, using on-device storage (Hive) and the iOS Keychain for sensitive items such as subscription status.
  • We do not maintain user accounts or cloud profiles. We do not store your skill descriptions, voice transcripts, or generated outputs on our servers.
  • Subscription receipts are validated through Apple's In-App Purchase system; we do not see your payment information.
b. Will Your Data Be Shared?
  • Skill descriptions and selected inputs may be temporarily transmitted to our trusted AI provider (Replicate) only to perform the requested analysis.
  • Anonymous diagnostic and analytics events may be transmitted to Google Firebase Analytics.
  • Advertising-related signals may be transmitted to Google AdMob (subject to your ATT choice).
  • Your inputs are never shared with advertisers or marketing companies.
c. How Long Is Data Retained?
  • Inputs sent to AI services are processed for the duration of the request only and are not retained by us after the response is delivered.
  • Locally stored content remains on your device until you delete it, clear app data, or uninstall the app.
  • Voice audio is processed on-device for transcription and is not retained by the app or transmitted off-device.

4. Third-Party Services

Our app integrates the following third-party services:

  • Advertising — Google AdMob
  • Consent management for advertising — Google User Messaging Platform (UMP)
  • Analytics & crash reporting — Google Firebase Analytics, Firebase Core
  • AI processing — Replicate hosted model APIs
  • On-device speech transcription — Apple Speech Recognition
  • In-app purchases and subscriptions — Apple In-App Purchase

These services process data according to their own privacy policies:

5. Advertising & Device Identifiers

The app may display advertisements served by Google AdMob (banner, interstitial, rewarded, app-open, and native formats). To serve relevant ads, AdMob and its partners may collect and use your device's advertising identifier:

  • iOS: Apple Identifier for Advertisers (IDFA)

On iOS 14 and later, the app will request your permission before accessing your IDFA through Apple's App Tracking Transparency (ATT) framework. If you deny tracking, AdMob will only serve non-personalized ads.

Where applicable (e.g., for users in the EU/EEA/UK), the app also presents a consent form powered by Google's User Messaging Platform (UMP) before showing personalized ads.

You can manage ad personalization at any time:

  • iOS ATT: Settings > Privacy & Security > Tracking
  • Apple personalized ads: Settings > Privacy & Security > Apple Advertising > Personalized Ads

Premium subscribers do not see advertisements.

6. Subscriptions & In-App Purchases

iOS (Apple App Store)
  • Subscriptions are billed via your Apple ID and auto-renew unless canceled at least 24 hours before the end of the current period.
  • Available subscription tiers: Weekly Starter, Monthly Pro, and Yearly Ultimate. Prices and durations are displayed in-app prior to purchase.
  • You can manage or cancel subscriptions at: Settings > Apple ID > Subscriptions
  • We do not handle billing directly. For support, contact: kevinghori@live.com

7. Refund Policy

iOS (Apple App Store)

8. Microphone & Speech Recognition

The app requests access to your microphone and to Apple Speech Recognition only when you choose to record a skill description by voice. The audio is processed on-device by Apple Speech Recognition and converted to text. The audio recording is not transmitted off-device, and only the resulting text may be transmitted to our AI provider when you submit it for analysis. You can revoke microphone or speech recognition permissions at any time in Settings > Privacy & Security.

9. Children's Privacy

Our app is not designed for children under 13 years of age. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us at kevinghori@live.com and we will promptly delete it.

10. Data Security

We take the security of your data seriously and implement the following protections:

  • Sensitive user data (such as subscription status and trial information) is stored using device-level encrypted storage — iOS Keychain.
  • All data transmitted to AI processing services and analytics services is sent over encrypted HTTPS connections.
  • API tokens used to communicate with AI providers are obfuscated within the application binary.
  • We do not store your skill descriptions, transcripts, or generated outputs on our own servers.
  • No payment information is ever stored by us — all billing is handled directly by Apple.

11. Data Retention & Deletion

  • AI input (text descriptions and transcripts) is processed temporarily by our AI provider and is not retained by us after processing.
  • You control the content stored locally on your device; clearing app data or uninstalling the app removes all locally stored content.
  • Voice audio is never stored by the app and is not transmitted off-device.

12. User Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

  • Access: Request a copy of the personal data we hold about you.
  • Deletion: Request that we delete your personal data.
  • Correction: Request that we correct inaccurate data.
  • Opt-Out: Opt out of certain data processing activities.

To make a request, contact us at: kevinghori@live.com

We will respond to all verifiable requests within 30 days.

13. User Consent for AI Processing

Before transmitting any inputs to AI services, the app requires you to explicitly initiate the analysis (for example, by tapping a "Generate", "Analyze", or "Continue" button).

  • You are informed in-app that submitted inputs may be transmitted to our AI provider for analysis.
  • No personal data is transmitted automatically or without your action.
  • AI processing occurs only when you choose to submit content.
  • You may decline by not using the AI analysis features.

14. GDPR — Rights of EU / EEA Users

If you are located in the European Union or European Economic Area, you have additional rights under the General Data Protection Regulation (GDPR):

  • Right of Access: You may request access to the personal data we process about you.
  • Right to Rectification: You may request correction of inaccurate personal data.
  • Right to Erasure: You may request deletion of your personal data ("right to be forgotten").
  • Right to Restriction: You may request that we restrict processing of your data.
  • Right to Data Portability: You may request your data in a structured, machine-readable format.
  • Right to Object: You may object to processing of your data, including for direct marketing.
  • Right to Withdraw Consent: Where processing is based on consent, you may withdraw your consent at any time without affecting the lawfulness of prior processing.

When applicable (e.g., for EU/EEA users), we request your consent before showing personalized advertisements through our in-app consent management interface powered by Google's User Messaging Platform (UMP).

To exercise any of your GDPR rights, contact us at: kevinghori@live.com. We will respond within 30 days.

15. California Privacy Rights (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA):

  • Right to Know: You have the right to know what personal information we collect, use, disclose, or sell.
  • Right to Delete: You have the right to request deletion of your personal information.
  • Right to Opt-Out: We do not sell personal information. You do not need to opt out.
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To submit a CCPA request, contact us at: kevinghori@live.com.

16. Changes to This Policy

This policy may be updated from time to time. Updates will appear on this page with the latest revision date at the top of this document. Continued use of the App after any changes constitutes acceptance of the updated policy.

17. Contact Us

If you have any questions regarding this Privacy Policy, contact us at: kevinghori@live.com