Revi-Courtier-credit

1. Introduction

Welcome to Revi-Courtier-credit! At UNISHOP LLC, we take your privacy and the security of your personal data very seriously. Revi-Courtier-credit was built with a strict "privacy-by-design" philosophy. Your learning progress, quiz results, and preferences remain securely in your hands at all times. This Privacy Policy outlines our transparent practices regarding data handling when you use the Revi-Courtier-credit iOS application (iPhone only).

Revi-Courtier-credit is an educational application designed to help candidates prepare for the Swiss consumer credit broker examination, governed by the Federal Act on Consumer Credit (LCC/KKG, RS 221.214.1) and the Financial Services Act (LSFin/FIDLEG, RS 950.1). The app provides 248 bilingual questions covering 8 examination modules: Scope of application and definitions, Advertising and pre-contractual information requirements, Contract form and mandatory content, Annual Percentage Rate of Charge (TAEG/EATR) calculation methods, Consumer rights (withdrawal, early repayment, default), Lender and intermediary obligations, ZEK (Central Office for Credit Information) and credit register rules, and LSFin/FIDLEG obligations for independent credit intermediaries. The full content is available bilingually in French and German (Swiss Hochdeutsch).

Bundle ID: com.unishopllc.Revi-Courtier-credit

2. Data Collection and Local Storage

Revi-Courtier-credit does not collect, transmit, store on remote servers, or share any personal data. The app operates with a fully local storage model.

• Local Device Storage: All data is stored exclusively and locally on your iPhone using Apple's native SwiftData framework and UserDefaults. Nothing is sent to any external server.
• No Account Required: Revi-Courtier-credit does not require any sign-up, login, email address, or account creation. You can start training immediately without providing any personal information.
• No Cloud Servers: UNISHOP LLC does not operate any external servers or cloud databases for Revi-Courtier-credit. Your data never leaves your device. There is no cloud. There is no backend.
• No Personal Identifiers: We do not collect your name, email, phone number, or any other personally identifiable information. The app creates no user account and stores no personal identifier.
• No Data Harvesting: We do not collect, read, analyze, or transmit any of your data. Because we never possess your data, we will never sell or share it with third parties.

3. Data Stored on Your Device

For transparency, here is a complete list of data that Revi-Courtier-credit stores locally on your device:

• Question Bank: The full set of bilingual multiple-choice questions (French and German), shipped with the app and stored locally. Per-question counters (number of views, number of correct answers, favourite flag) are kept locally to power the progress tracking and "review errors" mode.
• Session History: Each completed quiz session (date, number of questions, score, duration, mode, examination module) is stored locally so you can review your historical progress and evolution over time.
• Reference Catalogue: Memo cards summarising key LCC/KKG provisions, TAEG calculation formulas, ZEK rules and LSFin obligations are seeded into the local database on first launch. Favourite flags on cards are stored locally.
• App Preferences: Your selected interface language (French / German), daily-reminder settings (enabled state and chosen time), and onboarding completion flag. These preferences are stored locally using UserDefaults.
• Subscription Status: Your Pro subscription status, managed locally via Apple's StoreKit 2 framework.

All of this data resides solely on your device and is never transmitted to UNISHOP LLC or any third party.

4. Analytics and Tracking

We respect your privacy and device performance. Revi-Courtier-credit intentionally excludes all third-party tracking algorithms and analytics SDKs. There is no Firebase, no Mixpanel, no RevenueCat, no advertising framework, and no tracker of any kind integrated into the app. We do not monitor your behaviour within the app. Zero tracking, zero analytics, zero ads — by design.

5. Local Notifications

Revi-Courtier-credit offers an optional daily reminder feature to help you maintain a regular revision habit. If you enable this option in the in-app Settings, the app will schedule a local notification at the time you choose using Apple's UserNotifications framework.

• Local Only: These notifications are generated and delivered entirely on your device. No push notification server is involved and no data is sent to UNISHOP LLC or Apple's push servers.
• Permission-Based: The reminder feature requires your explicit notification permission, which iOS will request when you first enable it. You can revoke permission at any time in your device's system Settings.
• No Tracking: Whether you open or dismiss a reminder is never reported back to us.

6. Apple Privacy Manifest

Revi-Courtier-credit includes a PrivacyInfo.xcprivacy manifest as required by Apple, declaring the following:

• UserDefaults (CA92.1): Used for storing user preferences locally on the device (language, reminder settings, etc.).
• File Timestamp (C617.1): Used by SwiftData for managing the local database on the device.
• Purchase History: Linked to the device for Pro status verification only.
• Tracking: None. The app does not use the App Tracking Transparency framework because there is nothing to track.

7. In-App Purchases and Subscriptions

Revi-Courtier-credit offers optional Pro upgrades to unlock the full question bank, unlimited mock exams, the complete reference catalogue and advanced statistics. Two purchase options are available:

• Monthly Subscription (com.unishopllc.revi-courtier-credit.pro.monthly): Auto-renewing monthly access at 7.90 CHF / month, cancellable at any time.
• Lifetime Access (com.unishopllc.revi-courtier-credit.pro.lifetime): One-time non-consumable purchase at 79.90 CHF, valid forever on your Apple ID.

Regarding the handling of these transactions:

• Secure Transactions: All purchase and subscription transactions are processed exclusively via Apple's secure StoreKit 2 framework and your personal Apple ID.
• Financial Privacy: UNISHOP LLC does not process your payment and has zero access to your sensitive financial information (such as credit card numbers or billing addresses). We simply receive an anonymous digital token from Apple confirming the transaction.
• Purchase Restoration: You can restore your purchases at any time through the app. This process communicates exclusively with Apple's servers — never with UNISHOP LLC.
• Cancellation: You can manage or cancel your subscription at any time through your Apple ID settings or the App Store. Cancellation takes effect at the end of the current billing period.

8. Network Connections

Revi-Courtier-credit connects to the internet only to communicate with Apple's StoreKit servers for validating in-app purchases and subscriptions. No other network connection is made. The app does not contact any UNISHOP LLC server, any third-party API, or any analytics endpoint. The app's pedagogical content (questions, memo cards, reference catalogue) is fully bundled with the app and remains accessible offline.

9. Children's Privacy

Revi-Courtier-credit is an educational quiz application aimed at adult professionals preparing for the Swiss consumer credit broker examination. The app does not collect any personal information from users of any age. Since all data is stored locally and no account creation is required, no personal data is ever transmitted to us.

10. Educational Content Disclaimer

Revi-Courtier-credit's content is based exclusively on Swiss federal legislation in the public domain, including the Federal Act on Consumer Credit (LCC/KKG, RS 221.214.1) and its implementing ordinance (OCC), the Financial Services Act (LSFin/FIDLEG, RS 950.1), and related regulatory provisions published on fedlex.admin.ch. It is provided for educational and training purposes only. While we make every effort to keep the content accurate and up to date with the most recent legislative changes, Revi-Courtier-credit is an independent, unofficial preparation tool and has no commercial or institutional affiliation with any examination or regulatory authority. It does not replace the official examination programme, the statutory texts, nor the practical training and compliance guidance delivered by accredited preparation organisations or supervisory bodies. UNISHOP LLC cannot be held liable for any consequence of credit brokerage, contractual or compliance decisions taken based on the application's content. Interest rate caps, TAEG calculation methods and applicable regulatory thresholds are subject to periodic revision by Swiss federal authorities; users are strongly encouraged to verify any specific value against the official sources on fedlex.admin.ch before applying it professionally.

11. Data Retention and Deletion

Since all data is stored locally on your device, you have full control over your data at all times.

• Delete App Data: Uninstalling Revi-Courtier-credit from your device permanently deletes all locally stored data, including learning progression, session history, favourites and preferences.
• Reset In-App: The Settings screen offers a "Reset progression and sessions" option that erases all per-question counters and session history while keeping the app installed.
• No Remote Data: Because UNISHOP LLC does not store any of your data on remote servers, there is no data to request deletion of on our end.

12. Changes to This Policy

We may update our Privacy Policy occasionally to reflect changes in our app's features or legal requirements. Because we do not collect your email address or contact information, we cannot notify you individually. We encourage you to review this page periodically. Any modifications take effect immediately upon being posted on this site.

13. Contact Us

If you have any questions, concerns, or require further clarification regarding this Privacy Policy or Revi-Courtier-credit, please do not hesitate to reach out to us via email at contact@unishopllc.net.