This is part of a blog with more information here: http://schwarzsoftware.com.au/blogentry.php?id=9
Steps to make the Windows distributable runtime
1) Create Windows Runtime
2) Zip and deliver
Alternatively use INNO Setup, and a $250 CodeSigning certificate to create installer. Set USER permissions in an Inno setup script to ensure users have write permission to the data file.
For OSX code signing and packaging see this video: https://youtu.be/pBsFCrI_wXA
