CFPB Guide — Privacy Policy
Last updated: August 5, 2026

This Privacy Policy explains how CFPB Guide (“the App”, “we”, “us”) handles information when you use our mobile application on Google Play. By using the App you also acknowledge our Terms & Conditions, Disclaimer, and Child Safety statement summarized below.

1. Important affiliation notice (unofficial app)
CFPB Guide is an unofficial, independent educational app. We are not affiliated with, endorsed by, sponsored by, or connected to the U.S. Consumer Financial Protection Bureau (CFPB) or any government agency. We do not copy, scrape, mirror, or republish the website https://www.consumerfinance.gov/. The App is an original educational guide inspired by general personal-finance learning topics for consumers. Nominative references to “CFPB” or consumerfinance.gov are only to clarify that this App is unofficial and not a government product.

2. Summary
• The App is designed to work primarily offline.
• We do not operate user accounts on our servers.
• We do not sell personal information.
• We do not use third-party advertising SDKs or tracking pixels in the App.
• Data you create in the App stays on your device unless you choose to share it yourself (for example via the device share sheet).
• Content and tools are for education only — not professional financial, legal, tax, or investment advice.

3. Information we store on your device
Depending on how you use the App, the following may be stored locally on your device:
• Profile display name and optional profile photo you select
• Bookmarks and reading progress
• Personal notes
• Budget transactions and savings goals
• Local reminders and notification scheduling data
• App preferences (theme, language, currency, font size, and similar settings)
• Privacy / terms acceptance status

This information is stored in the App’s private storage on your device. We do not transmit this content to our own remote servers because the App does not include a cloud backend for user data.

4. Permissions
• Notifications — only to deliver reminders you create.
• Photos / media access (via the system photo picker) — only if you choose a profile photo. We do not access your full photo library without your selection.
You can revoke permissions in your device settings.

5. Child safety & children’s privacy (COPPA / Families)
• Intended for a general audience; not designed or marketed as a children’s app; not directed to children under 13.
• We do not knowingly collect personal information from children under 13.
• No social network, public chat, or user-to-user messaging.
• No ads targeting children; we do not sell children’s personal information.
• Parents should supervise minors; clear app data or uninstall to remove local data.
• Report concerns via the Google Play listing for CFPB Guide.

6. Data sharing
We do not sell, rent, or trade your personal information. Core App data stays on-device. Google Play / Android may process limited technical install/update data under Google’s policies.

7. Data retention and deletion
Local data remains until you delete it in the App, clear App storage, or uninstall.

8. Security
We rely on Android app sandboxing and private storage. Protect your device with a lock screen.

9. Disclaimer — educational use only
• Not a substitute for licensed professional advice.
• No advisor–client or fiduciary relationship is created.
• Calculators/articles may contain errors; use at your own risk.
• You are solely responsible for financial decisions.
• Developer disclaims liability to the fullest extent permitted by law.

10. Terms of use — key conditions
• Limited personal, non-commercial educational license.
• Do not misuse the App or misrepresent it as official CFPB/government.
• Your notes/budgets/profile stay on your device and are your responsibility.
• App provided “as is”; warranties and liability limited as permitted by law.
• Full Terms, Disclaimer, and Child Safety pages are also inside the App.

11. International users
Educational use; local laws may also apply.

12. Changes
We may update this policy; the “Last updated” date will change. Continued use means acceptance where permitted by law.

13. Contact
Contact the developer through the CFPB Guide listing on Google Play.

By using the App, you acknowledge that you have read this Privacy Policy and the related Terms & Conditions, Disclaimer, and Child Safety standards.