# Privacy Policy
**Last Updated: June 18, 2026**
This Privacy Policy describes how we collect, use, and handle information in the **Financial Calculators USA** mobile application (the "App"), developed by **DMtechnolab**.
Our primary objective is to offer a premium, robust, offline-first personal finance utility. **We do not collect, request, or store any personal data.**
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### 1. Information Collection and Use
#### A. Personal Data
The App does not collect or store any Personal Data. You are not required to register, create an account, or log in to use any portion of the App. We do not ask for or collect details such as your name, email address, physical address, phone number, location, or device contacts.
#### B. Local Data Storage
All calculation inputs, bookmarks, favorite calculators, app settings (such as theme preferences), and onboarding progress are stored entirely locally on your device using local storage (SharedPreferences). This data remains on your device and is never sent to our servers.
#### C. PDF Report Generation
All PDF reports (such as mortgage amortization charts and calculator summaries) are compiled and generated locally on your mobile device. The details entered to generate these reports are never transmitted or uploaded to external servers.
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### 2. Third-Party Services and APIs
To help sustain and improve the App, we integrate the following verified third-party SDKs, configured with strict privacy controls:
#### A. Google AdMob (Advertising)
We use Google AdMob to display banner advertisements at the bottom of calculator details pages and capped interstitial ads during natural screen transitions.
* **Non-Personalized Ads**: Advertisements are configured to respect user privacy and adhere to standard Google ad guidelines.
* **No Accidental Click Layouts**: Banners are placed strictly below screen scrollable containers to avoid unintentional clicks.
#### B. Google Firebase Analytics (App Usage Performance)
We use Firebase Analytics to track overall app usage, active screen views, and calculator selection metrics. This helps us optimize performance and understand which tools are used most frequently.
* **Play Store Policy Compliance**: We have permanently disabled Advertising ID (AdID) collection and SSAID (Android ID) tracking in the App.
* **No Profiling or Personalized Tracking**: Consent configurations are locked to deny ad storage, ad user data, and ad personalization signals. We only gather anonymous analytics data to understand how the App behaves.
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### 3. Permissions
The App may request the following permissions on your device:
* **Internet & Network Access**: Required for fetching AdMob advertisements and Firebase Analytics performance logs.
* **Storage / Share Access**: Required to enable exporting, saving, and sharing generated PDF reports.
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### 4. Children’s Privacy
Our App does not collect any personal information. If you are a parent or guardian and believe your child has provided any personal information, please rest assured that we do not have databases containing child personal data.
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### 5. Compliance with Play Store Policies
This App strictly complies with the Google Play Developer Distribution Agreement and standard Android data safety policies. We do not engage in unauthorized device identifiers gathering, cross-app profiling, or sharing of user activity logs with third-party data brokers.
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### 6. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. You are advised to review this policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
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### 7. Contact Us
If you have any questions or feedback regarding this Privacy Policy, please contact us via email at:
**dmtechnolab98@gmail.com**