Privacy Policy for EPF Calculator

Effective Date: 07/09/2026

Thank you for using EPF Calculator ("the App"). This Privacy Policy explains how we handle information when you use our mobile application.

We are committed to protecting your privacy. The App is designed to provide EPF calculations, retirement planning tools, and financial simulations while keeping your personal information secure.

1. Information We Collect

EPF Calculator does not collect, transmit, or share your personal information with our servers.

The App may allow you to enter information such as:

• Current age

• Retirement age

• Monthly salary

• EPF balance

• Employee contribution percentage

• Employer contribution percentage

• Interest rate

• Salary increment percentage

• Retirement goals

• Calculation history

All information entered into the App is used only to perform calculations and provide app features.

2. Local Data Storage

EPF Calculator stores user-generated information locally on your device.

Your data is stored using secure local storage technologies provided by the Android operating system.

Examples of locally stored information:

• Saved EPF calculations

• Calculation history

• User preferences

• App settings

This information remains on your device and is not uploaded to our servers.

We do not have access to your stored calculations or financial information.

3. Data Sharing

We do not sell, rent, or share your personal information with third parties.

Your financial inputs and calculation results are not transmitted to external services.

We do not share your data with:

• Advertisers

• Marketing companies

• Data brokers

• Other organizations

4. Internet Usage

The App may require internet access for certain optional features, such as:

• Displaying advertisements (if enabled)

• Checking app updates

• Optional online services added in future versions

Core EPF calculations work offline and do not require an internet connection.

5. Advertising

If advertisements are enabled, third-party advertising providers such as Google AdMob may collect limited information to provide relevant advertisements.

These services may collect information such as:

• Device information

• Advertising ID

• Approximate location information

You can manage advertising preferences through your Android device settings.

For more information about Google's privacy practices, please visit:
https://policies.google.com/privacy

6. Data Security

We take reasonable measures to protect information stored within the App.

Because all user data is stored locally on your device:

• We do not maintain copies of your financial information.

• We cannot access your saved calculations.

• Your data security also depends on your device security settings.

We recommend keeping your device protected with a password, PIN, or biometric security.

7. Data Retention Policy

Local Data Retention

Your data remains stored on your device until one of the following occurs:

• You delete the saved data from within the App.

• You clear the App data through Android settings.

• You uninstall the App.

• You reset or replace your device.

Because we do not collect or store your information on external servers, we do not retain copies of your personal data.

Backup Retention

If Android device backup services are enabled by the user, some app data may be included according to Android backup settings.

Such backups are controlled by the user's device and Google account settings.

8. Data Deletion Policy

Users have full control over their stored information.

You can delete your data by:

Option 1:

Using the "Delete History" or "Clear Data" option available inside the App.

Option 2:

Going to:

Android Settings → Apps → EPF Calculator → Storage → Clear Data

Option 3:

Uninstalling the App from your device.

After deletion, locally stored information cannot be recovered unless restored from a device backup created by the user.

9. Children's Privacy

EPF Calculator is not intended for children under the age of 13.

We do not knowingly collect personal information from children.

10. Financial Disclaimer

EPF Calculator is an informational and calculation tool.

The results provided by the App are estimates based on user-provided information and assumptions.

The App does not provide:

• Financial advice

• Investment recommendations

• Guaranteed retirement outcomes

Users should consult a qualified financial professional before making financial decisions.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be reflected on this page with an updated effective date.

We encourage users to review this Privacy Policy periodically.

12. Contact Us

If you have questions or concerns regarding this Privacy Policy, please contact us:

Email: rizwanalicbc@gmail.com

Summary:

EPF Calculator stores user data locally on the user's device only. We do not collect, upload, sell, or share personal financial information. Users can delete their stored data at any time by clearing app data, using in-app deletion options, or uninstalling the application.