StipendWise

StipendWise Privacy PolicyLast updated: September 26, 2026StipendWise is designed to respect your privacy completely. This policy explains what information the app does — and does not — handle. StipendWise is provided by Aplio LLC ("we," "us," or "our"), based in Nevada, United States.The short versionStipendWise runs entirely on your device. The contract details you enter are stored locally on your iPhone and are never sent to us or to any server — we don't operate one. We have no user accounts, we don't collect analytics, we don't track you, and we don't share or sell any information.Information we collectWe do not collect any personal information.Any contract details you enter into StipendWise (such as agency name, location, pay rate, and stipend amounts) are stored only on your device. This information never leaves your device, is never transmitted to us, and we have no ability to access, view, or receive it.We do not require or offer accounts, sign-in, email addresses, names, phone numbers, or location access. The tax and per-diem rate data used for calculations is bundled inside the app, so StipendWise does not need an internet connection to function and does not send data anywhere.Analytics, tracking, and cookiesStipendWise does not use analytics services, advertising, tracking technologies, cookies, or third-party software development kits (SDKs). We do not build a profile of you and we do not track your activity across apps or websites.Data storage and securityYour information is stored locally on your device using Apple's on-device storage. Because your data stays on your device, its security is tied to your device's own protections (such as your passcode and device encryption). If you delete a contract within the app, or delete the app itself, that data is removed from your device.PaymentsStipendWise offers an optional paid subscription. Subscriptions are processed by Apple through the App Store. We never see, receive, or store your payment card information — Apple handles all payment processing under Apple's own privacy policy, available at Apple's Privacy Policy.Sharing and selling of informationWe do not share, sell, rent, or disclose personal information, because we do not collect any. The only payment-related interaction is handled by Apple as described above.Children's privacyStipendWise is intended for working healthcare professionals and is not directed at children under 13. We do not knowingly collect any information from anyone, including children.Your California privacy rights (CCPA/CPRA)If you are a California resident, the California Consumer Privacy Act (as amended by the CPRA) provides certain rights regarding your personal information. Because StipendWise does not collect, store off-device, share, or sell any personal information, we have no personal information to disclose, delete, or provide upon request. We do not sell or share personal information as those terms are defined under California law. If you have questions about your rights, contact us using the information below.Changes to this policyWe may update this Privacy Policy from time to time. If we make material changes, we will update the "Last updated" date above and, where appropriate, provide notice within the app. Continued use of StipendWise after changes take effect constitutes acceptance of the updated policy.StipendWise Terms of UseLast updated: September 26, 2026Please read these Terms of Use ("Terms") carefully before using StipendWise (the "App"), provided by Aplio LLC ("we," "us," or "our"). By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.Estimates only; not professional adviceStipendWise provides estimated pay, tax, and per-diem calculations to help you compare travel healthcare contract offers. These figures are estimates for informational and comparison purposes only. They are not tax, financial, legal, or accounting advice, and using the App does not create any professional or advisory relationship. Do not rely on these estimates for filing taxes or making financial decisions without independent verification.Known limitationsThe estimates are simplified and do not reflect every factor that affects your actual pay or taxes. In particular, they: assume a single ("individual") tax filing status; do not include local or city income taxes (such as New York City, Maryland county, or Ohio and Pennsylvania municipal taxes); do not model certain state-specific provisions (including the federal-tax deduction available in Oregon, Alabama, and Missouri); treat all stipends as tax-free even when they exceed the applicable GSA per-diem cap, though amounts over the cap may be taxable; and do not account for multi-state or "tax-home" rules. Tax and per-diem rates are point-in-time snapshots that may not reflect the most current figures.Your responsibilityYou are responsible for confirming your actual pay structure with your staffing agency and for consulting a qualified tax professional familiar with travel healthcare before relying on any figure the App produces. Actual take-home pay and tax liability will differ from the App's estimates.SubscriptionsStipendWise offers an optional auto-renewing subscription that unlocks additional features. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period, and your Apple Account is charged for renewal within 24 hours before the period ends. You can manage or cancel your subscription in your Apple Account settings. Prices are shown in the App at the time of purchase and may vary by region. Purchases are processed by Apple and are subject to Apple's terms; we do not process or store your payment information. Apple's terms also apply.Acceptable useYou agree to use the App only for lawful, personal purposes and not to misuse, reverse engineer, or attempt to disrupt the App except to the extent permitted by law.No warrantyThe App and its calculations are provided "as is" and "as available," without warranty of any kind, express or implied, including any warranty of accuracy, completeness, merchantability, or fitness for a particular purpose.Limitation of liabilityTo the maximum extent permitted by law, Aplio LLC will not be liable for any indirect, incidental, consequential, or special damages, or for any loss, tax liability, or decision made in reliance on the App's estimates. Our total liability for any claim relating to the App will not exceed the amount you paid for it in the twelve months before the claim.Changes to these TermsWe may update these Terms from time to time. If we make material changes, we will update the "Last updated" date above and, where appropriate, provide notice within the App. Continued use of the App after changes take effect constitutes acceptance of the updated Terms.Governing lawThese Terms are governed by the laws of the State of Nevada, United States, without regard to its conflict-of-laws principles.
Contact usIf you have any questions about this Privacy Policy or Terms of Use, contact us at:[email protected]
Aplio LLC — Nevada, United States