Privacy Policy for Financial Calculator IPO, EMI 

Effective Date: February 26, 2026

1. Introduction

The Financial Calculator IPO, EMI app (the "Service") is built by Y. R. Parmar as a Free app. This Service is provided at no cost and is intended for use "AS IS." This page informs visitors regarding policies with the collection, use, and disclosure of Personal Information.

2. Information Collection and Use

We prioritize your privacy above all else.

• No Personal Data: We do not collect, store, or share any personal information such as your name, email, or contact details.

• Local Processing: Any financial data you enter (Income, Loan amounts, Investment amounts, etc.) is processed locally on your device to show results. It is never sent to any external server.

• Local Database (Hive): The App uses a local database on your phone to save your calculation history.

3. Data Retention and Deletion

Because we do not store any of your data on our servers, you have full control over your data. All calculation history and user preferences remain strictly on your device. You can permanently delete all this data at any time by simply clearing the App's data/cache in your device settings or by uninstalling the App.

4. App Crash Reports (Log Data)

We want to clarify that we do not collect phone call logs, messages, or personal files. However, whenever you use our Service, if the app experiences an error or crashes, technical data called "Log Data" may be collected automatically through Google Play Services. This Log Data only includes technical information such as your device Internet Protocol (“IP”) address, device name, operating system version, and the time and date of the crash. This is used strictly to fix bugs and improve app stability.

5. Third-Party Service Providers

The app uses third-party services that may collect information used to identify your device for advertising purposes.

• Google Play Services

• AdMob

6. Advertising and Internet Usage

We use Google AdMob to display advertisements, which helps us keep the app free.

• Internet Connection Required: Please note that an active internet connection (Wi-Fi or Mobile Data) is required for the App to fetch and display these advertisements.

• Rewarded Ads: Certain features in the app may require you to watch a "Rewarded Video Ad" to unlock them. This also requires internet access. AdMob may use device identifiers to personalize the ads you see.

7. Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

8. NO FINANCIAL ADVICE (Professional Disclaimer)

• Information Only: This app is a mathematical tool intended for educational and informational purposes only. It does not provide financial, investment, tax, or legal advice.

• Consult a Professional: Always seek the advice of a qualified, certified financial or legal advisor before making any actual financial, investment, or tax-related decisions. Do not make real-world financial choices based solely on the outputs of this app.

9. LIMITATION OF LIABILITY & ACCURACY (User Responsibility)

By using this app, you agree to take full responsibility for your actions:

• Static Calculations and Changing Rules: The calculators provided in this app (such as Income Tax, PPF, NPS, etc.) are based on static mathematical formulas and government rules available at the time of development (e.g., Financial Year 2025-26). Government policies, tax slabs, and bank interest rates change frequently. Therefore, we do not guarantee that the results will always reflect the most current real-world rates.

• User Responsibility: You are 100% responsible for the data you enter and how you interpret the results. The developer is not responsible for any decisions made based on the app's output.

• No Liability: Under no circumstances shall the Developer (Y. R. Parmar) or the App be held liable for any direct, indirect, or financial loss, damages, or legal problems arising from the use, misuse, or inaccuracy of this application. You use this app entirely at your own risk.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time as we add new features (such as analytics). We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this page periodically.

11. Contact Us

If you have any questions or suggestions about this Privacy Policy, do not hesitate to contact us at: Email: yrparmar1328@gmail.com Developer: Y. R. Parmar