Privacy Policy
In short
- No sign-up and no account.
- We do not collect, store or sell any personal information.
- The numbers you type stay on your phone.
- No ads, no analytics and no tracking.
- The app uses the internet only to download daily currency exchange rates.
What the app keeps on your phone
To remember where you left off, the app saves the values you enter (loan amounts, interest rates, tenures, salary, deductions, investment amounts and similar) and any loans you choose to save. This data is stored only in the app's private storage on your device. We cannot see it, and it is never sent to us or to anyone else.
You can clear it at any time with the Reset button on each calculator, by deleting saved loans, or by uninstalling the app or clearing its storage in Android Settings.
Android backup
If you have turned on Android's backup to your Google account, Android may include this app's saved values in that backup so they come back when you set up a new phone. This backup is run by Google, under Google's privacy policy, and is encrypted and tied to your Google account. We do not have access to it. You can turn backup off in your phone's Settings.
Internet use: currency rates
The currency converter downloads exchange rates from ExchangeRate-API (open.er-api.com), about once a day, and saves them on your phone so the converter also works offline. The request asks only for the latest rates. It contains nothing about you, your device or the numbers you enter.
As with any website, the rates service receives your device's IP address when it answers the request. Its own privacy policy is at exchangerate-api.com/privacy.
No other part of the app uses the internet. Every calculator works fully offline.
Sharing a PDF
When you tap Share PDF, the app creates the loan schedule on your phone and hands it to Android's share sheet. It goes only to the app and person you pick. We never receive a copy.
Permissions
The app asks for one permission, Internet, used only for the currency rates described above. It does not request access to your contacts, location, camera, microphone, files, SMS or accounts.
What we don't do
- We don't collect names, phone numbers, email addresses, device identifiers, location or financial account details.
- We don't show ads or use advertising IDs.
- We don't use analytics, crash-reporting or tracking tools.
- We don't sell or share data with third parties, because we don't collect any.
About the results
The app is a calculator only. It does not offer, arrange or recommend loans, investments or tax filing, and it does not connect to any bank or lender. Results are estimates to help you plan.
Children
The app is meant for adults planning their finances. It is not directed at children under 13, and it does not knowingly collect information from anyone.
Changes to this policy
If the app ever starts handling data differently, we will update this page and change the effective date at the top before that version of the app is released.
Contact
Questions about this policy or the app:
diptenu@dskysolution.com