New Horizon ("the app", "we", "us") is a remittance and savings tracker made for seafarers, OFWs and their families. This Privacy Policy explains what information we collect, why we collect it, how we protect it, and the choices and rights you have.
1. Who we are
New Horizon is developed and operated by Cyrus Gregor Cubcubin, an individual developer based in the Philippines, who acts as the personal information controller for the app.
Contact: getnewhorizonapp@gmail.com
Website: https://newhorizonapp.com
2. Information we collect
Information you give us
- Account information (optional): your email address, password (stored only in encrypted, hashed form by our authentication provider; we can never see it), and the name or nickname you choose.
- Setup answers: what you share when you first set up the app, such as your monthly income, how much you send home, any loan or debt amount, who you support (for example a spouse, children, parents or siblings), your goals, and your target amount and timeframe.
- Financial information you enter: accounts and wallets (names, types, balances and, if you choose, the last 4 digits of a card or account number), income, allotments and salary, remittances (padala), expenses, savings goals, investment entries (such as Pag-IBIG MP2), custom categories and notes.
- Contract information: your name, vessel or company, contract start and end dates, monthly salary, overtime and allowances, used for the contract countdown and earnings tracking.
- Statement imports: if you import a bank or GCash statement file, the transactions and names from it that you choose to save.
- Information about other people: names of the people you send padala to, such as family members. We use these names only to show your own records. Please add only people who would be comfortable with it.
- App activity and preferences: language (English, Tagalog or Taglish), theme and sound settings, achievements and level, and tips you have dismissed.
- Messages to us: anything you send when you email us for support.
Information collected automatically
- Sync records: each time you sync, the app saves the time of the sync and your device's browser and phone model to our database, so problems can be traced and fixed.
- Basic technical data: our hosting and database providers automatically keep limited server logs, such as IP address, browser or device type and timestamps, to deliver the service, keep it secure and prevent abuse.
- Data stored on your device: the app saves your data and your login session on your phone so it works quickly and offline. Logging out removes your financial data from the phone (your theme and sound settings stay). Deleting your account or clearing the app's data removes it as well.
Using the app without an account
You can use New Horizon without creating an account. Your data then stays only on your phone and is never sent to our database. The only outside connection is loading the app itself from our hosting provider.
What we do NOT collect
- We do not ask for or store your bank login credentials, PINs or one-time passwords.
- We do not collect full credit card or bank account numbers. You may save the last 4 digits to tell your accounts apart, but please never type a full number into the app.
- We do not access your location, contacts, photos, microphone or call logs. A file is read only when you choose to import a statement.
- We do not use analytics, crash-reporting or advertising trackers, and we do not build advertising profiles.
3. How we use your information
We use your information only to:
- create and secure your account and let you log in;
- save and sync your data across your devices;
- show your balances, summaries, savings progress, achievements and contract countdown;
- if paid plans are added in the future, provide those features and confirm your subscription status;
- respond to your questions and support requests;
- keep the app secure, prevent fraud and abuse, and fix bugs;
- comply with legal obligations.
We will never use your financial information for advertising, and we will never sell it.
4. Legal basis for processing
Under the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules, we process your information on these grounds:
- Your consent, which you give by agreeing to this policy when you create an account. You can withdraw it at any time by deleting your account.
- Performance of our service to you, because we cannot track your finances without the data you enter.
- Legitimate interests in keeping the app secure and working properly.
- Legal obligations, where the law requires us to keep or disclose information.
5. Who we share information with
We do not sell, rent or trade your personal information. We share it only with trusted service providers that help us run the app, and only as much as they need:
- Supabase: secure database and user authentication (stores your account and app data).
- Netlify: web hosting that delivers the app to your device.
- Google Play and Apple App Store: New Horizon is free and has no payments today. If paid plans are added in the future, payments will be handled entirely by Google or Apple under their own privacy policies. We will never receive your card details, only confirmation of your subscription status.
These providers process data on our behalf under their own security and privacy commitments. We may also disclose information if required by law, court order or a lawful request from a government authority, or to protect the safety and rights of our users.
6. Where your data is stored
Our service providers may store and process your data on servers located outside the Philippines. When this happens, we take reasonable steps to make sure your information receives a level of protection consistent with the Data Privacy Act and this policy.
7. How we protect your information
- All data sent between the app and our servers is encrypted in transit (HTTPS/TLS).
- Row-level security in our database means each account can only access its own data.
- Passwords are hashed and never visible to us.
- Administrative access is protected with strong passwords and two-step verification.
- We regularly review our security settings.
No system is 100% secure. If you think your account has been compromised, please change your password and contact us right away.
8. Data breach notification
If a personal data breach occurs that is likely to put your rights at risk, we will notify affected users and the National Privacy Commission as required by law, generally within 72 hours of becoming aware of it, and we will tell you what happened and what we are doing about it.
9. How long we keep your information
We keep your information only for as long as your account is active. When you delete your account, your personal and financial data is permanently deleted from our database. Limited copies may remain in our providers' secure system logs or backups for a short period before they are automatically removed. We may keep information longer only if the law requires it.
10. Deleting your account
You can delete your account and all your data at any time:
- In the app: go to Settings > Delete Account and confirm.
- By email: send a request to getnewhorizonapp@gmail.com from your registered email address, and we will complete it within 30 days.
- Without an account: clear the app's data or uninstall the app to remove everything from your phone.
Deletion is permanent and cannot be undone. If paid plans are added later, deleting your account will not cancel a subscription; you would cancel it in Google Play or the App Store.
11. Your rights
Under the Data Privacy Act, you have the right to:
- Be informed about how your data is collected and used;
- Access the personal data we hold about you;
- Correct inaccurate or incomplete data (most data you can edit directly in the app);
- Erase or block your data;
- Object to processing and withdraw consent;
- Data portability, meaning to receive a copy of your data. You can download your own backup anytime in Settings > Download Backup;
- Be compensated for damages caused by unlawful processing;
- File a complaint with the National Privacy Commission (privacy.gov.ph).
To use any of these rights, email getnewhorizonapp@gmail.com. We will respond within 30 days and may ask you to verify your identity first.
12. Age requirement
New Horizon is intended for users 18 years old and above. We do not knowingly collect information from anyone under 18. If you believe a minor has created an account, contact us and we will delete it.
13. Not a bank and not financial advice
New Horizon is a personal tracking and educational tool. It is not a bank, e-wallet, lender or payment service, and it does not hold, move or invest your money. Interest rates, savings tips and financial lessons are for general information only and are not professional financial advice. Please consult a licensed professional before making major financial decisions.
14. Changes to this policy
We may update this Privacy Policy as the app grows. When we make important changes, we will update the date at the top and notify you by email before the changes take effect. Continuing to use the app after that means you accept the updated policy.
15. Contact us
For questions, requests or concerns about your privacy:
Cyrus Gregor Cubcubin, Developer of New Horizon
Email: getnewhorizonapp@gmail.com
Website: https://newhorizonapp.com
Thank you for trusting New Horizon. We built it for seafarers and their families, and we will always treat your data the way we would want our own family's data treated.