PRIVACY POLICY FOR FINANCIAL CALCULATOR PRO
Last Updated: December 30, 2025
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1. INTRODUCTION
Financial Calculator Pro ("App") is developed by Zindagi Apps ("Developer", "we", "us", or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our App.
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2. INFORMATION WE COLLECT
2.1 Information You Provide Directly
Device Information:
- Device model
- Operating system version
- Unique device identifiers (IDFA, Android Advertising ID)
- Device settings and configurations
Usage Data:
- Calculator features accessed (SIP, EMI, FD, Lumpsum, Loan, Converter)
- Calculation inputs and results (stored locally on your device)
- Theme preferences (Light/Dark mode)
- Language preferences (English/Hindi)
- Time spent in the App
Crash Reports:
- Error logs and app performance data (optional)
- Stack traces and diagnostic information
2.2 Information Collected Automatically
Analytics Data:
- App launch frequency and duration
- Feature usage patterns
- Button clicks and navigation flow
- App installation and update events
- Session information (via Google Analytics and Firebase)
Advertising Data:
- Advertising identifiers
- Ad impressions and interactions
- Device type and OS version
- General location data (country/region level only - NOT precise GPS)
Cookies & Similar Technologies:
- Used by advertising partners (Google AdMob, Facebook Audience Network)
- Persistent identifiers for ad tracking
- Session cookies for app functionality
2.3 Third-Party Data Collection
Our App uses the following third-party services that may collect data:
Google AdMob
- Collects advertising identifiers, device information, usage patterns
- Serves personalized advertisements
- Privacy Policy: https://policies.google.com/privacy
- Opt-out: https://adssettings.google.com/
Google Analytics / Firebase
- Collects app usage data, crash reports, user engagement metrics
- Privacy Policy: https://policies.google.com/privacy
Facebook Audience Network
- Collects device identifiers, browsing behavior, ad interactions
- Privacy Policy: https://www.facebook.com/about/privacy
- Opt-out: https://www.facebook.com/ads/preferences
LocalStorage & SharedPreferences
- Theme preference, language setting, calculation history (optional)
- Stored only on your device
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3. HOW WE USE YOUR INFORMATION
We use collected information for:
Primary Uses:
- Displaying personalized advertisements and ad networks
- Improving App performance, reliability, and user experience
- Analyzing usage trends and user behavior patterns
- Detecting and preventing fraudulent activities and abuse
- Complying with legal and regulatory obligations
- Sending important security notices and updates
- Responding to user support requests and feedback
What We Do NOT Do:
- We do NOT sell your personal information to third parties
- We do NOT use your data for marketing purposes without consent
- We do NOT share financial calculation data with anyone
- We do NOT track your exact location using GPS
- We do NOT use your data for purposes unrelated to app functionality and advertising
- We do NOT share data with unaffiliated parties except as required by law
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4. DATA SHARING & DISCLOSURE
4.1 Advertising Partners
Your information may be shared with:
Google AdMob - for ad serving and measurement
Facebook Audience Network - for ad targeting and analytics
Google Analytics - for app performance analysis
We share only necessary data with these partners. They are bound by their own privacy policies and data protection agreements.
4.2 Legal Requirements
We may disclose information if:
- Required by law, court order, or government request
- Necessary to protect the rights, privacy, safety, or property of our App or users
- Required to prevent or investigate possible wrongdoing
- Needed to enforce our Terms of Service and other agreements
4.3 Third-Party Service Providers
We may share anonymized, non-personally identifiable data with:
- Analytics providers (Google Analytics, Firebase)
- Cloud service providers (for data storage and backup)
- Payment processors (if in-app purchases are offered)
- App distribution platforms (Google Play Store)
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5. DATA SECURITY
We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction.
Security Measures We Use:
- Encrypted data transmission (HTTPS/TLS)
- Secure authentication protocols
- Regular security updates and patches
- Limited access to personal data
- Activity monitoring and logging
Important Disclaimer:
- No method of transmission over the Internet is 100% secure
- We cannot guarantee absolute security of your data
- You are responsible for maintaining the confidentiality of your device
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6. USER RIGHTS & CHOICES
6.1 Opting Out of Personalized Ads
You can limit personalized advertising by:
Android Devices:
1. Go to Settings → Google → Manage your Google Account
2. Select Data & Privacy tab
3. Scroll to Ad settings → Manage Your Google Ad Preferences
4. Turn off Personalized ads
Alternative Methods:
- Google Ad Settings: https://adssettings.google.com/
- Facebook Ad Preferences: https://www.facebook.com/ads/preferences
- Network Advertising Initiative: https://optout.networkadvertising.org/
Note: Even if you opt out, you will still see ads, but they won't be personalized based on your interests.
6.2 Data Access & Deletion
To request access, correction, or deletion of your personal data:
Email: zindagiappsstore@gmail.com
Response Time: Within 30 days
Required Information: Your device ID and email address
6.3 Uninstall
To delete all app data:
1. Uninstall the App from your Android device
2. All local data stored on your device will be deleted
3. Cached data will be cleared from device memory
Note: Uninstalling does not delete data already stored by third-party services (Google AdMob, Firebase, etc.). You must opt out separately through their platforms.
6.4 App Permissions
Manage app permissions through Android Settings → Apps → Financial Calculator Pro → Permissions
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7. CHILDREN'S PRIVACY
Our App is designed for users of all ages, including children.
- We do NOT knowingly collect personal information from children under 13
- We do NOT knowingly use child data for advertising purposes beyond non-behavioral ads
- If we discover we have collected information from a child under 13, we will delete such information immediately
For EU/EEA users under 16:
- We obtain verifiable parental consent before collecting data
- Advertising is limited to non-behavioral targeting
- Data collection is minimized
Report Child Safety Issues: zindagiappsstore@gmail.com
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8. OFFLINE USE
Our App works with or without internet connectivity.
Offline Features:
- All calculators (SIP, EMI, FD, Lumpsum, Loan, Converter) work offline
- Dark mode and language settings saved locally
- No data is transmitted when offline
When Internet is Restored:
- Cached analytics data may be sent to our servers
- AdMob may sync cached ad data
- User preferences are updated
Privacy Note: No sensitive calculation data is ever transmitted online.
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9. DATA RETENTION
Analytics Data - Up to 12 months (automatically deleted after period)
Advertising Data - Per AdMob/Facebook policies (controlled by third parties)
Cached App Data - Until app uninstall (deleted upon uninstallation)
Crash Reports - Up to 90 days (automatically purged)
User Preferences - Until app uninstall (stored locally on device)
Local Calculations - Until app uninstall (stored locally on device)
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10. THIRD-PARTY LINKS & SERVICES
Our App may contain links to third-party websites and services.
Important Disclaimer:
- We are NOT responsible for third-party privacy practices
- Third-party services operate under their own privacy policies
- Please review their privacy policies before using their services
- We are not liable for third-party data practices
Third-Party Services in Our App:
- Google Play Store (app distribution)
- Google AdMob (advertising)
- Facebook Audience Network (advertising)
- Google Analytics (analytics)
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11. INTERNATIONAL DATA TRANSFER
Your information may be transferred to, stored in, and processed in countries other than your country of residence, including India, the United States, European Union, and other countries.
Data Protection:
- These countries may have different data protection laws than your home country
- We ensure all transfers comply with applicable international laws
- Data is adequately protected during transfer
- Your data is treated with the same level of protection
By using our App, you consent to the transfer of your information to countries outside your country of residence.
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12. DATA PROTECTION COMPLIANCE
GDPR (General Data Protection Regulation) - EU/EEA Users
- Legal basis for processing: Legitimate interest, consent, contractual necessity
- Your rights: Access, rectification, erasure, portability, objection
- Data Protection Officer contact: zindagiappsstore@gmail.com
CCPA (California Consumer Privacy Act) - California Users
- Right to know: What data is collected
- Right to delete: Request deletion of personal information
- Right to opt-out: Opt out of data sale/sharing
- Non-discrimination: No discriminatory pricing for exercising rights
INDIA DIGITAL PERSONAL DATA PROTECTION ACT
- Lawful basis for processing under Indian law
- Data fiduciaries: Zindagi Apps
- User consent and withdrawal mechanisms in place
- Grievance redressal: zindagiappsstore@gmail.com
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13. YOUR CONSENT
By downloading, installing, and using Financial Calculator Pro, you acknowledge that you have read and understood this Privacy Policy and consent to:
- Collection of device and usage information
- Use of data for app functionality and advertising
- Sharing of data with third-party ad networks and analytics providers
- International transfer of data
- Terms outlined in this policy
You can withdraw consent by:
1. Uninstalling the App
2. Contacting us at zindagiappsstore@gmail.com
3. Adjusting privacy settings on your device
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14. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to:
- Reflect changes in our practices
- Update third-party services
- Comply with new laws and regulations
- Improve clarity and transparency
How We Notify You:
- Updated policy will be posted in the App
- "Last Updated" date will be changed at the top
- Major changes may include in-app notifications
- We may request new consent for significant changes
Your Acceptance:
Your continued use of the App after changes become effective constitutes your acceptance of the updated Privacy Policy.
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15. CONTACT US
If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices:
Email: zindagiappsstore@gmail.com
Developer: Zindagi Apps
Response Time: Within 30 days
You can request:
- Questions about privacy practices
- Access to your personal data
- Correction of inaccurate data
- Deletion of your personal data
- A copy of your data in portable format
- Opt-out of data collection
- Security or privacy concerns
- Feedback or suggestions
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16. GRIEVANCE REDRESSAL
If you are not satisfied with our response to your privacy concern:
Step 1: Formal Complaint
Send a detailed complaint to: zindagiappsstore@gmail.com
Step 2: Escalation
If unresolved within 15 days, you can escalate to:
- India: Contact the Ministry of Electronics and Information Technology (MeitY)
- EU: Contact your local Data Protection Authority
- USA: Contact the FTC (Federal Trade Commission)
Step 3: Legal Action
You retain the right to take legal action in the courts of your jurisdiction.
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17. LEGAL FRAMEWORK
This Privacy Policy is governed by and construed in accordance with the laws of India (primary jurisdiction) with secondary compliance to GDPR (EU), CCPA (USA), and local laws.
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SUMMARY FOR USERS (PLAIN LANGUAGE)
What We Collect:
- How you use the app (features, calculations, preferences)
- Device information (type, OS version, device ID)
- Analytics data to improve the app
- Advertising data to show relevant ads
How We Use It:
- Make the app work better
- Show you relevant advertisements
- Fix bugs and improve performance
- Understand user behavior
Who We Share It With:
- Google (for ads and analytics)
- Facebook (for ads)
- Service providers who help us run the app
What We DON'T Do:
- Sell your data
- Track your location precisely
- Share calculation data
- Use data for non-app purposes
Your Rights:
- Opt out of personalized ads
- Request your data
- Delete your data
- Manage app permissions
Questions?
Email: zindagiappsstore@gmail.com
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Thank you for using Financial Calculator Pro!
Your privacy is important to us.
Last Updated: December 30, 2025