Privacy Policy
Effective date: August 30, 2026
Smart SIP & Loan Calculator provides financial calculators, estimates, and optional reports. The financial values you enter and the resulting calculations are processed on your device and are not intentionally sent to the developer. The app may use third-party services for analytics, advertising, remote configuration, and optional subscriptions.
1. Information the app handles
Depending on the features and app configuration you use, the app may handle:
- Calculation data: amounts, rates, durations, tax details, and other values you enter, together with calculated results.
- Preferences: selected currency, language, appearance, haptic setting, onboarding status, consent choices, and similar settings.
- Usage and diagnostic data: events such as opening a calculator, triggering a calculation, viewing a paywall, creating a PDF, restoring a purchase, or loading an advertisement. Events may include a calculator identifier, screen or placement name, subscription status, app version, and technical error details.
- Purchase information: Apple and RevenueCat may process product identifiers, transaction and subscription status, renewal or expiration dates, storefront information, and an app-specific customer identifier. The app developer does not receive your full payment-card details.
- Advertising information: Google Mobile Ads and its partners may process device or advertising identifiers, IP address, approximate location derived from IP, device and app information, consent signals, and ad views or interactions.
- Configuration information: Firebase Remote Config may receive standard request information, such as IP address, app version, device information, and an app-instance identifier.
2. Local calculations and storage
Calculation inputs and results are processed locally on your device. The app is designed not to include the financial amounts you enter or calculated result values in analytics events. Preferences and operational information may remain in local app storage until you change them, clear the app's data, or uninstall the app.
3. Reports, clipboard, and sharing
When you choose to copy a summary, the app places that summary on the system clipboard. PDF reports are generated temporarily on your device. When you use the share sheet, the selected information is provided to the app, service, or recipient you choose. Their handling of the shared information is governed by their own privacy practices.
4. Analytics and remote configuration
The app may use Firebase Analytics to understand feature usage, advertising performance, subscription flows, errors, and reliability. Firebase Remote Config may be used to deliver operational settings such as feature availability, paywall wording, and advertising placements. These Google services may process technical and usage information under Google's privacy terms. Calculation amounts and results are not intentionally sent as event parameters.
5. Advertising and consent
The free version may show banner, native, interstitial, and app-open ads supplied by Google Mobile Ads. Where required, the app displays a consent message and may provide an “Ad privacy choices” option. You may review or change available choices through that option or relevant device settings. Non-personalized ads may still use contextual information, IP-derived approximate location, and device or app information for delivery, security, measurement, and fraud prevention.
An active Pro subscription removes ads from the app. This prevents future ad requests while Pro is active but does not automatically erase information previously processed by an advertising provider.
6. Purchases and subscriptions
Payments are processed by Apple through the App Store. RevenueCat may be used to retrieve products, validate transactions, restore purchases, and synchronize Pro entitlement status. Apple and RevenueCat process purchase, device, and account-related information under their own privacy terms.
7. How information is used
Information is used to:
- perform calculations and create the reports or summaries you request;
- remember your preferences and consent choices;
- understand app usage, diagnose failures, and improve reliability;
- load operational configuration;
- deliver, measure, and protect advertising in the free version;
- process purchases, restore access, and determine Pro status; and
- comply with legal obligations and protect rights, users, and services.
8. Third-party services
The app may use the following independent services:
- Google Privacy Policy (Firebase and Google Mobile Ads)
- RevenueCat Privacy Policy
- Apple Privacy Policy (App Store purchases and platform services)
9. Sharing, sale, and legal disclosure
The developer does not sell the financial values you enter. Information may be processed by the service providers described above, disclosed when reasonably necessary to comply with law or protect rights and safety, or transferred as part of a merger, acquisition, financing, or sale of the app, subject to applicable law.
10. Retention and your choices
Local information remains until you change it, clear app data, or uninstall the app. Third parties retain information under their own policies and legal duties. You can manage ad consent through in-app privacy choices when available, limit tracking in iOS settings, manage subscriptions in your Apple ID settings, and remove local app data by deleting the app.
11. Data security and international processing
Reasonable safeguards are used, but no device, transmission, or storage method is completely secure. Third-party providers may process information in countries other than your own, where data-protection laws may differ.
12. Children's privacy
The app is not directed to children under 13, or the minimum age required by local law, and the developer does not knowingly collect personal information from children. A parent or guardian who believes a child has provided personal information should contact us.
13. Your privacy rights
Depending on where you live, you may have rights to access, correct, delete, restrict, or object to certain processing, or to withdraw consent. Contact us to make a request. We may need enough information to verify and respond to it.
14. Changes to this policy
This policy may be updated when the app, third-party services, or legal requirements change. The effective date above will be revised when an update is posted.
15. Contact
For privacy questions or requests, write to gurukarupamenufechar237@gmail.com, or use the developer support contact shown on the app's App Store listing.