iPhone App Banking Privacy, I'm worried

Discussion in 'iOS Apps' started by overlordwafner, Dec 19, 2018.

  1. overlordwafner macrumors newbie

    Joined:
    Dec 19, 2018
    #1
    Hey All,

    Today I read the privacy policy of the mobile banking app I use for all my finances.
    As stated in the policy :

    various types of data are processed, including:

    o the(user)nameoftheContractingParty;
    o the number and expiry date of the Card;
    o theMobilePIN;
    o informationaboutyourDevice,suchastechnicalinformationonit,itsnumber,mobileappsontheDevice,

    name of the Device, e-mail address installed on it, relevant identifiers of the Device, OS version, name of the telecom operator, telephone number and SIM card number.


    Now it concerns me that in iOS I don't have an option to disable the fact that my banking app knows what apps I use on my phone and also what email-adresses I have installed on it. Is there any possibility to prevent tis from happening?

    Thanks in advance
     
  2. I7guy macrumors Core

    I7guy

    Joined:
    Nov 30, 2013
    Location:
    Gotta be in it to win it
    #2
    I didn’t know an iOS app could actually get a list of your installed apps on your iPhone. If that is true and I’m not sure it it is or isn’t, that would be a huge invasion of privacy.
     
  3. overlordwafner thread starter macrumors newbie

    Joined:
    Dec 19, 2018
    #3
    Exactly. I couldn't believe what I read at first.. Can someone confirm this?
     
  4. revmacian macrumors 6502a

    revmacian

    Joined:
    Oct 20, 2018
    Location:
    USA
    #4
    Are your bank accounts being affected by the bank knowing which apps are installed on your phone? Keep in mind that knowing which apps are installed isn't the same as knowing how, when and where you actually use those apps and what you do within those apps - app data is sandboxed. For all the bank knows, you downloaded an app accidentally and forgot to delete it.

    I wouldn't worry until it's actually time to worry.. like if and when your finances are affected because you use a certain app.
     
  5. NoBoMac Moderator

    NoBoMac

    Staff Member

    Joined:
    Jul 1, 2014
    #5
    I'd venture a guess that the privacy disclaimer is generic one to cover all mobile operating systems, like, Android, where you can get a list of all apps installed.

    Why would the legal department write multiple privacy statements and try keeping them up-to-date with every OS change, and every version of OS in use (ie. Each might have a subtle change to deal with)?
     
  6. overlordwafner thread starter macrumors newbie

    Joined:
    Dec 19, 2018
    #6
    That is indeed what I hope for. But can someone actually confirm this? Thanks :)
     
  7. Mr_Brightside_@ macrumors 68040

    Mr_Brightside_@

    Joined:
    Sep 23, 2005
    Location:
    Toronto
    #7
    I'm not sure anyone here will be able to confirm without knowing what bank? These seems like a question for your bank's legal dept, not MacRumors members dealing with not enough information.

    Alternatively, compare the policy to other banks/apps.
     
  8. chabig macrumors 603

    Joined:
    Sep 6, 2002
    #8
    That’s a job for you. Call your bank and ask.
     
  9. liftedpsd2010 macrumors regular

    Joined:
    Sep 13, 2017
    #9
    Is it possibly to look to see if the phone has been jail broke? I know some apps don’t let you use them if yo are jail broken.
     
  10. NoBoMac Moderator

    NoBoMac

    Staff Member

    Joined:
    Jul 1, 2014
    #10
    Sigh.

    If that worried, delete the app and do your banking the old fashioned way: head to the local branch office and deal with a person face-to-face.

    Much safer than asking rando people on a discussion board.
     
  11. AppleB macrumors 6502a

    AppleB

    Joined:
    Oct 18, 2011
    #11
    Definitely these are questions for your bank if you are concerned about anything.

    If mobile banking concerns you use the banks web site.
     
  12. C DM macrumors Sandy Bridge

    Joined:
    Oct 17, 2011
    #12
    In a sense it sounds like more of an iOS/Apple development type of question -- can apps actually have the ability to gather all that type of data (like apps installed, email address on the device, phone number, etc.) without the need to ask for certain permissions in relation to that (for example, like apps need to ask to access contacts, calendar, photos, etc.).
     
  13. jtara macrumors 68000

    Joined:
    Mar 23, 2009
    #13
    You're asking in the wrong place.

    Ask your bank.
    --- Post Merged, Dec 19, 2018 ---
    If you're in a country where the banking system is run by/controlled by/very cozy with the state - and one of those apps is illegal to posses in your country - yea.
     
  14. C DM macrumors Sandy Bridge

    Joined:
    Oct 17, 2011
    #14
    Seems like asking what might or might not be accessible by an iOS app without explicit user permission would be fairly appropriate in a place where iOS apps are discussed (although perhaps it's somewhat more of a development/programing type of question in the sense that developers might know more about it).
     
  15. jtara macrumors 68000

    Joined:
    Mar 23, 2009
    #15
    Many of the things you mentioned cannot be retrieved by the app on iOS. Some of them can't be retrieved at all. Some might only be violations of App Store policy, which Apple should have (but might not have) been caught in review.
    --- Post Merged, Dec 19, 2018 ---
    "You're asking in the wrong place" is an American idiom, which I think is generally understood to mean "you're not going to get the best answer here".

    I didn't mean to imply it was an inappropriate question for the forum. Just that only your bank can tell you what information your bank is collecting.
    --- Post Merged, Dec 19, 2018 ---
    It's pretty clear that your bank used a "boilerplate" CYA (Cover You A..) statements that covers anything they MIGHT collect on ANY platform.

    On iOS:

    - an app cannot retrieve the phone number
    - "the" email address "stored on it" is meaningless. Anyway, an app can't retrieve your Apple ID email address, nor any of the email addresses you use with Mail or third-party mail apps.
    - not sure of the current state of retrieving the names of installed and/or running apps. Used to be possible. Now not allowed in App Store. It may be possible for non-appstore apps, or if somebody slipped something past the reviewers.

    IMO, using a generic statement is sloppy on the part of your bank. Yes, the lawyers SHOULD write a different one for each operating system, keep up with changes, and not make blanket statements about things that the app MIGHT collect - either in the future, or unknown to the lawyers as a CYA move. There should be a process in place so that the bank KNOWS what information is collected.

    This is in the interest of the bank. Why scare away customers about data you don't actually collect?
     
  16. C DM macrumors Sandy Bridge

    Joined:
    Oct 17, 2011
    #16
    And the response wasn't really about that aspect of it, but to say that while the question was framed in the context of a particular app it seems like it's a more general question as to what iOS apps might be able to access without explicit user permission.
     
  17. revmacian macrumors 6502a

    revmacian

    Joined:
    Oct 20, 2018
    Location:
    USA
    #17
    If I had eggs, I could have eggs and bacon.. if I had bacon.
     

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16 December 19, 2018