The label has no “Data Used to Track You” section.
No. UBL Digital's label has no “Data Used to Track You” section, so the developer states it does not link your data with other companies' data for advertising or sell it to data brokers. It does collect location, identifiers, usage data and diagnostics, of which identifiers and usage data are linked to you.
What “tracking” means on an iPhone
Apple defines tracking as linking data from this app with data from other companies' apps, websites or offline sources for targeted advertising or ad measurement, or sharing it with a data broker. It is narrower than “collecting data”: an app can collect a lot without tracking you, and a small app can track you with a single advertising SDK.
Since iOS 14.5, App Tracking Transparency requires every app to ask before it accesses your device's advertising identifier or otherwise tracks you. The App Store label is where the developer declares which of its data is used that way. UBL Digital declares none, so it has no reason to show that prompt.
What UBL Digital collects instead
No tracking does not mean no collection. UBL Digital's label lists 4 data types, and identifiers and usage data are linked to your identity:
- Location — where your phone is, either precisely (street level) or approximately (city or area) (not linked to you)
- Identifiers — an account ID, screen name, customer number or a device-level ID such as the advertising identifier (linked to you)
- Usage Data — what you tap, open and view inside the app, plus which ads you have seen (linked to you)
- Diagnostics — crash logs, launch times, hang rates and energy use (not linked to you)
How to stop UBL Digital from tracking you
- When UBL Digital shows the tracking prompt, tap Ask App Not to Track.
- Already said yes? Open Settings › Privacy & Security › Tracking and switch off the toggle next to UBL Digital.
- To refuse every app in one go, switch off Allow Apps to Request to Track on the same screen. Apps then cannot ask, and are treated as if you declined.
- For Apple's own ads in the App Store, News and Stocks, see Settings › Privacy & Security › Apple Advertising and turn off Personalised Ads.
- Inside UBL Digital, look for an analytics or personalised-ads switch in its own settings; it covers data the iOS switch does not.
UBL Digital's full privacy label
None declared
Do other banking apps track you?
17% of the 196 banking apps with a label in our snapshot declare tracking; 3% say they collect nothing at all. Nearby in the list:
| App | Tracks you? | Data types |
|---|---|---|
| HomeTown Bank Mobile | No | 7 |
| UBA Mobile Banking | No | 7 |
| Sturgis Bank | No | 9 |
| Santander Mobile Banking | No | 5 |
| U.S. Bank ReliaCard | No | 5 |
| Barclays UK | Yes | 5 |
| CIBC Mobile Banking | No | 6 |
| M&T Mobile Banking | No | 3 |
Check your settings
Done. You have applied every control the label points to.
True or false?
- Right.Not quite.
False: there is no Data Used to Track You section on UBL Digital's label.
- Right.Not quite.
Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.
- Right.Not quite.
True: Location appears on its label, in the Not Linked to You section.
- Right.Not quite.
It is collected and sent; the developer says it is de-identified rather than tied to your account or device.
FAQ
How do I stop UBL Digital from tracking me?
Will UBL Digital still work if I decline tracking?
What is the difference between tracking and data linked to me?
Does declining tracking stop all data collection?
Can apps track me without asking?
Is UBL Digital safe? Full privacy report →How to lock UBL Digital on iPhone →Who tracks you? A–Z →All finance apps →