SIP & Investment Calculator

Effective Date: September 14, 2026

This Privacy Policy explains how SIP & Investment Calculator ("the App") handles information when you use the application.

The App is designed primarily as a financial calculation and planning tool. Core calculation and saved-data features are designed to work locally on your device. The App also uses Google AdMob to display advertisements, which involves certain data processing by Google.

By using the App, you agree to the practices described in this Privacy Policy.


1. Information You Enter

The App may allow you to enter or create information such as:

This information is used to perform calculations, display results, create reports and provide the App's features.

Local Storage

Where supported by the App, your calculation information, saved plans, calculation history and preferences are stored locally on your device.

We do not operate a user account system or require you to create an account to use the core calculation features.


2. Financial Calculations

The App performs mathematical calculations based on information and assumptions entered by you.

Calculation results may include:

These calculations are estimates only.

We do not guarantee the accuracy of future investment performance, market returns, inflation rates or investment outcomes.

The App does not provide personalized investment, financial, tax or legal advice.


3. Google AdMob

The App uses Google AdMob to display advertisements.

Google Mobile Ads SDK may collect and process certain information automatically for purposes such as advertising, analytics, fraud prevention and SDK performance.

Depending on Google's current SDK configuration and your device/settings, this may include:

Google states that data collected by the Google Mobile Ads SDK is encrypted in transit using TLS.

The collection and processing of this information is handled according to Google's applicable privacy practices and policies.

For more information, please review Google's Privacy Policy and Google's advertising/privacy information.


4. Personalized Advertising and Consent

Depending on your location, applicable laws and device settings, Google may provide personalized or non-personalized advertising.

Where legally required, the App may use Google's consent mechanisms to obtain and manage your advertising/privacy choices.

You may also have controls through your Android device and Google account for advertising preferences.

Your advertising choices may affect the type of advertisements displayed to you.


5. PDF Reports and Sharing

The App may allow you to create PDF reports from supported calculations.

PDF reports may contain information entered by you, such as:

PDF files are generated on the device where supported.

When you choose to save, export or share a PDF, the information is handled through the Android operating system and the destination application or service selected by you.

We do not control how a third-party application handles information after you choose to share it.


6. Share Feature

The App may provide sharing functionality for calculation results, reports or other generated content.

When you use the Android sharing feature, information may be transferred to the application or service you select.

You are responsible for reviewing the privacy practices of any third-party service you choose to use for sharing.


7. Multiple Currencies and Settings

The App may store preferences such as:

These settings are used to personalize your experience and may be stored locally on your device.

Changing the selected currency does not necessarily mean that historical amounts are converted. Currency is primarily used as a calculation/display setting unless a specific conversion feature is provided.


8. Internet Connectivity

The core calculation experience is designed to work without a constant internet connection.

Certain services may require an internet connection, including:

Therefore, the App should not be interpreted as completely independent of internet connectivity.


9. Data Sharing

We do not sell your locally stored calculation information.

Your locally stored calculation data is not intentionally transmitted to our own server merely because you perform a calculation.

However, third-party services integrated into the App, particularly Google AdMob, may independently collect and process certain technical, advertising and interaction information as described above.

Google Play requires developers to account for data collection/sharing performed by third-party SDKs in the Data Safety section.


10. Data Retention

Information stored locally by the App generally remains on your device until:

Information shared with third-party applications is subject to the retention policies of those third parties.

Data processed by Google AdMob is subject to Google's applicable policies and retention practices.


11. Deleting Your Data

Where deletion functionality is provided within the App, you can use it to delete supported locally stored calculations, saved plans or history.

You may also remove locally stored App data through Android device settings or uninstall the App.

Because locally stored information is maintained on your device, we generally cannot remotely delete information that we do not receive or store on our own servers.


12. Data Security

We take reasonable measures appropriate to the App's design to protect information handled by the App.

Locally stored calculation information remains on your device unless you choose to export or share it.

Data transmitted by Google Mobile Ads SDK is encrypted in transit according to Google's documentation.

However, no electronic storage or transmission method can be guaranteed to be completely secure.


13. Children's Privacy

The App is not specifically designed for children.

We do not knowingly request or collect personal information from children for the purpose of creating user accounts.

If you believe that a child has provided personal information to us through the App or through a service we control, please contact us so that we can review the matter.

Advertising and age-related requirements may also apply depending on the user's age, location and applicable laws.


14. Third-Party Services

The App may use third-party services necessary for functionality, advertising, analytics, security or other operational purposes.

Currently, the primary third-party advertising service used by the App is:

Google AdMob

Third-party services operate under their own privacy policies and terms.

We recommend reviewing Google's privacy documentation for information about how Google handles information associated with advertising services.


15. Your Choices

Depending on your device, location and applicable law, you may have choices relating to:

You can also stop using the App or uninstall it at any time.


16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect:

When this policy is updated, the revised version will be published with a new effective date.

We encourage you to review this Privacy Policy periodically.


17. Contact Us

If you have questions, concerns or requests regarding this Privacy Policy or the App's privacy practices, please contact:

Developer: InspireCraft Apps
 Email: anurag.jhajjar@gmail.com


18. Important Financial Disclaimer

SIP & Investment Calculator is a financial calculation and planning tool for informational and educational purposes only.

The App does not provide investment, financial, tax, accounting or legal advice.

Results are based on the assumptions and information entered by the user. Actual investment returns, market performance, inflation, taxes, fees and future values may differ significantly from calculated estimates.

No calculation should be interpreted as a guarantee of investment performance or future returns.

Users should independently evaluate their financial circumstances and consider consulting a qualified financial professional before making investment decisions.