Privacy Policy

1. Summary

• User-entered calculator inputs (e.g., salary, contribution rate, age, balance) are processed on your device and are not sent to us as app content.
• The App uses Google Analytics, crash reporting, and advertising services (including AdMob and other third-party ad providers), which may collect certain device and usage data automatically.
• We do not sell your personal information.

2. Information We Collect

2.1 Information you provide

The App does not require account creation and does not ask you to submit personal details (such as name, email, phone number). Any values you type into the calculator are used to produce results on your device.

2.2 Information collected automatically (via third-party services)

Although we do not collect calculator inputs as content, the App integrates third-party services that may automatically collect information to provide analytics, ads, and crash diagnostics. This may include:

• Device information (e.g., device model, OS version, language, region)
• App usage events (e.g., screens viewed, feature interactions, session duration)
• Approximate location derived from IP address (depending on the ad/analytics provider settings)
• Identifiers such as the device’s advertising identifier (e.g., AAID/IDFA) or other identifiers used for analytics/ads
• Crash logs and performance data (e.g., stack traces, app state at time of crash)
• IP address (often used for security, fraud prevention, and regional analytics/ads delivery)

3. How We Use Information

We use information (primarily via third-party services) to:

• Understand app performance and usage trends (analytics)
• Show advertisements and measure ad performance (ads)
• Detect, diagnose, and fix crashes and stability issues (crash reporting)
• Maintain security and prevent fraud/abuse (as supported by third-party providers)

4. Data Sharing

We do not share calculator inputs as content with third parties. However, the App uses third-party services that may process data as described above. These providers may act as independent controllers or processors depending on their role and your region.

Third-party services used

• Google Analytics (for usage analytics)
• AdMob and other third-party advertising services (for serving ads)
• Crash reporting service (for crash diagnostics; may be Google/Firebase or another provider depending on build)

You can learn more about how Google handles data in its services by reviewing Google’s privacy information and the policies for the specific services you use. (Links are not embedded here to avoid outdated references; you can search for the latest “Google Privacy Policy”, “Google Analytics for Firebase data”, and “AdMob privacy”.)

5. On-Device Storage

The App may store certain preferences locally on your device (for example, settings or last-used values) to improve usability. This on-device data stays on your device unless you uninstall the App or clear the App’s data through your device settings.

6. Advertising & Your Choices

Ads may be personalized or non-personalized depending on your region, consent choices (where applicable), and device settings. You can reduce ad personalization by adjusting your device privacy settings:

• Android: Google Settings → Ads (or Privacy/Ads, depending on version)
• iOS: Settings → Privacy & Security → Tracking (and Apple Advertising settings)

7. Data Retention

We do not retain calculator inputs as server-side content. Third-party analytics/ads/crash providers may retain data according to their own retention policies and settings.

8. Security

We take reasonable measures to help protect information in the App. However, no method of transmission or storage is 100% secure. Because third-party services may transmit certain device/usage data, those providers’ security practices also apply.

9. Children’s Privacy

The App is not intended for children under the age of 13 (or the minimum age required in your country) and does not knowingly collect personal information from children. If you believe a child has provided personal information, contact us at [email protected].

10. International Users

This is a global policy. If you use the App from outside your country, third-party providers may process data on servers located in various countries. Where required, consent and regional compliance mechanisms may be applied by the platform/provider.

11. Your Rights & Controls

Depending on your location, you may have rights to access, delete, or object to certain processing of personal data. Since most data processing in this App is handled by third-party analytics/ads/crash providers, the most effective controls are:

• Adjusting device privacy settings (ad personalization / tracking)
• Resetting advertising identifiers (where available)
• Using platform-provided consent controls (if shown)
• Uninstalling the App

You can also contact us at [email protected] with privacy questions.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will update the “Effective Date” above when changes are made. Continued use of the App after changes means you accept the updated policy.

13. Contact Us

If you have any questions about this Privacy Policy, contact:

• Developer Name: Bishworaj Poudel
• Email: [email protected]
• Website: bishworajpoudel.com
• App ID: com.bishworajpoudel.calculator401k