Privacy Policy — Plain and Simple Perks

Last updated: August 14, 2026

Plain and Simple Perks keeps track of the credits attached to credit cards you already hold. There are no ads, no purchases, no subscriptions, no accounts, no analytics and no tracking. It never asks for a card login, never sees a statement, and never receives anything about you.

It does two things over the internet, and this page says exactly what they are, because they are the only parts an iPhone will never ask you about on your behalf: it can correct a row in its own catalogue, and — only if you connect it — it can read your own Lunch Money account.

Nothing is sent to me

There is no sign-in, no account, and no analytics of any kind — nothing counts which cards you added, which credits you confirmed, or whether you open the app at all. There are no third-party SDKs, advertising networks or trackers in it; every framework it uses is Apple's own.

That is why the App Store privacy label reads "Data Not Collected". Apple's definition of collect is transmitting data off the device in a way that lets the developer, or a partner of the developer, get at it. Nothing here does.

The one thing the app downloads

Every card, every credit and every reset date ships inside the app. It is complete on the day you install it, works with the phone in aeroplane mode, and stays complete forever. Nothing is required to be downloaded, ever.

Card terms change without notice, though, and a wrong row would otherwise sit there until the next app update. So the app can fetch corrections to rows it already has, from a public database in my own iCloud.

What that can and cannot do is not a matter of my intentions — it is the shape of the code:

• A correction can only change what an existing row says: its title, its amount, its reset period, its note, the date its terms were checked.
• It cannot add a card, cannot remove one, and can never be the reason a screen is empty. The app builds its catalogue by walking the list that shipped in the bundle; there is no path by which a downloaded row can join it.
• A row you edited yourself is never overwritten. Your edit is applied last and wins.
• If the fetch fails, or reaches nothing, nothing happens and nothing is reported — because nothing is broken.

The request carries nothing about you. It is a read of a published list. There is no account involved, nothing is sent, and it works whether or not you are signed in to iCloud. I cannot tell who asked, or that anyone did.

Lunch Money, only if you connect it

The app is complete without this and most people will never use it. If you keep your accounts in Lunch Money, you can give the app a token you issued yourself, against an account you already pay for, and it will read your accounts and recent transactions to point out charges that look like one of your credits landing.

• It only ever reads. There is no code in the app that writes anything to Lunch Money.
• Nothing about your cards or your confirmations is sent there, or anywhere else. Which cards you hold never leaves your phone.
• What it finds is a suggestion and is labelled as one. A $15 charge at a company is not proof a credit applied, so the app says so and cannot mark anything used by itself. Every confirmation in this app is a tap you made.
• Your token is kept in the iPhone Keychain, marked device-only. That means it is not in iCloud, is not in a backup that could be restored onto another phone, and does not follow you to a new device. If you change phones you enter it again.
• You can disconnect at any time, which removes the token from the phone.

Lunch Money is somebody else's service, and what they do with your account is covered by their privacy policy rather than by this one.

What the app stores, and where

Everything the app keeps about you is the cards you told it you hold and the credits you told it you used:

• Which cards and memberships you added, whether you are the primary cardholder or an authorised user, and the anniversary month you entered.
• Each credit you confirmed, when you confirmed it, and the amount you typed if you typed one.
• Which credits you asked to be reminded about.

That is stored on your device and syncs through your own iCloud, so it reaches your other devices and nowhere else. It is in your iCloud account, not mine — I have no way to read it, and no account with which to try.

Deleting a card removes its history with it. Deleting the app removes everything except what is already in your own iCloud, which you can remove in iOS Settings under your name → iCloud.

What the app does not access

It asks for no permissions with a usage prompt at all. It does not use the camera, your photo library, your location, your contacts, your microphone, or Apple Health, and it has no access to any financial account other than the Lunch Money one you may choose to connect.

Notifications are the only thing it ever asks for, and only at the moment you turn a reminder on — never when the app launches. Reminders are written on your own device and delivered by it. There is no push server.

About the card information itself

The catalogue describes publicly published card benefits. Every row is sourced to the issuer's own page and carries the date it was last read. It is a paraphrase, never the issuer's marketing copy, and no issuer's logo, artwork or brand colours appear in the app. Card names are used descriptively; there is no affiliation with, or endorsement by, any issuer, and there are no affiliate links anywhere in the app.

It can be wrong or out of date. Issuers change credits without notice. Your card's own terms are the authority, not this app.

Children's privacy

The app collects no data from anyone. It is not directed at children and gathers no personal information.

Changes to this policy

If this policy changes, the updated version will be posted at this same URL with a new "Last updated" date.