Privacy Policy

1. Who we are

FinCalc Pro is a personal finance calculator app (EMI, tax, salary, fixed deposit, and related calculators) published by an independent developer. Contact: mzeshankhokhar@gmail.com.

2. Data we collect ourselves

None. FinCalc Pro does not have a server, does not require sign-up or login, and does not transmit your calculations, income figures, or saved history anywhere. The following is stored only in local app storage on your own device:

• Saved calculation history (up to 100 entries, deletable anytime in the app)
• Your preferences: currency, country, language, dark/light mode
• A cached copy of the latest tax-policy data, refreshed periodically from a public, non-personal JSON file over the internet (no data about you is sent in that request)

Uninstalling the app, or clearing its storage in your device settings, permanently deletes all of the above instantly — there is nothing left on any server to delete, because nothing was ever sent to one.

3. Third-party services we use

FinCalc Pro itself has no server and no analytics of its own. It does use the following third-party SDKs, each of which may independently collect information as described in their own privacy policies:

• Google Mobile Ads SDK (AdMob) — serves banner, interstitial, and rewarded ads. See Section 4.
• Google User Messaging Platform (UMP) SDK — shows and records your ad-consent choice where required (EEA, UK, Switzerland, and applicable US state privacy laws), and lets you change it anytime via Settings → Ad Privacy Choices.
• Sentry (crash reporting) — optional, currently inactive. FinCalc Pro includes the ability to enable Sentry in a future release to help diagnose crashes. If and when enabled, Sentry would receive technical crash data (device model, OS version, app version, and the error itself) — never your financial figures, saved history, or any personal identifier. This policy will note the effective date if this is ever turned on.

4. Advertising (Google AdMob)

FinCalc Pro is free to use and supported by ads served through Google AdMob (banner, interstitial, and rewarded ads). To do this, Google's SDK may collect and process:

• Advertising identifier (e.g. Android Advertising ID)
• IP address and general device/location information
• Ad interaction data (impressions, clicks) for frequency capping and measurement

We do not control what Google collects or how long it is retained. See How Google uses information from sites or apps that use our services and Google's Privacy Policy.

If you are located in the European Economic Area, the UK, or Switzerland, you will be shown a consent screen before any personalized ads are served, letting you choose whether to allow personalized advertising, per Google's EU User Consent Policy. See Section 7 for how to change this choice later, and Section 8 if you are a California resident.

5. Data retention

FinCalc Pro has no server, so there is no centrally retained copy of your data. On your device:

• Saved calculation history is kept until you delete it ("Clear All" in the History screen) or uninstall the app — it does not expire automatically.
• Cached tax-policy data is simply overwritten each time it refreshes; old versions are not kept.
• Data collected by Google AdMob/UMP (Section 4) is retained according to Google's own retention policies, which we do not control — see the Google Privacy Policy linked above.

6. Data security

Everything you save is stored inside FinCalc Pro's private, sandboxed app storage — an area the operating system (Android/iOS) isolates from other apps by design, and which is removed automatically when you uninstall the app. Because this data is never transmitted anywhere, there is no server for us to secure or that could be breached. We cannot control or guarantee the security practices of the third-party SDKs in Section 3; refer to their own policies for that.

7. Your rights & choices

• Access: everything you've saved already lives in the app itself (History screen) — there's nothing held elsewhere to request a copy of.
• Deletion: clear your saved history anytime from the History screen ("Clear All"), or uninstall the app to remove all locally stored data immediately.
• Withdraw or change ad consent: anytime via Settings → Ad Privacy Choices in the app, or your device's own ad settings.
• Opt out of personalized ads: use "Limit Ad Tracking" (iOS) or "Opt out of Ads Personalization" (Android) in your device settings, which AdMob honors — or manage it directly at Google Ads Settings.

For anything Google's SDKs collect on their own behalf (Section 4), these rights are exercised directly with Google, since we never receive or hold that data ourselves.

8. California privacy rights (CCPA/CPRA)

If you are a California resident, California law gives you the right to know what personal information is collected, to request its deletion, and to opt out of the "sale" or "sharing" of personal information — a definition broad enough to include some forms of interest-based advertising. FinCalc Pro itself collects no personal information (Section 2), so in practice these rights apply to what Google's AdMob SDK collects on its own behalf (Section 4). You can exercise them via the in-app consent screen, Settings → Ad Privacy Choices, your device's ad settings, or Google Ads Settings.

9. International data transfers

FinCalc Pro does not transfer your data internationally, because it does not transmit your data anywhere in the first place. Google's advertising SDKs (Section 4) may process data on servers located outside your country; see Google's Privacy Policy for how Google safeguards international transfers.

10. No in-app purchases, no payment data

FinCalc Pro does not currently sell any in-app purchase or subscription. We do not collect or process any payment information.

11. Children's privacy

FinCalc Pro is not directed at children under 13 and we do not knowingly collect any information from children. Ads are not configured for child-directed treatment.

12. Financial disclaimer

Calculations shown in FinCalc Pro (including tax, EMI, and salary figures) are estimates for informational purposes only, based on publicly available tax rates that may change or be simplified. They are not professional financial, tax, or legal advice. Always verify figures with your bank, employer, or an official government tax authority before making financial decisions.

13. Changes to this policy

We may update this policy as the app changes. Material changes will be reflected by updating the "Last updated" date above.

14. Contact

Questions about this policy? Email mzeshankhokhar@gmail.com.