Thank you for choosing Present Value Calculator. Your privacy is important to us. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application. By using the app, you agree to the terms of this policy. If you do not agree, please do not use the application.

Present Value Calculator is a free financial tool that helps users calculate the present value of future cash flows. This app is designed to be simple, accurate, and secure without requiring users to share personal data. We take your privacy seriously and are committed to maintaining a transparent approach in how we manage data.

2. Data Collection Policy

Our app does not require users to register, sign in, or provide any personal information such as name, email address, phone number, or contact list. You can use all features of Present Value Calculator without sharing any identifiable data. We firmly believe in privacy-by-design.

What We May Collect (Non-Personal Information)

While we do not collect personal information, the app may collect non-identifiable data to help us improve performance and usability. This includes:

• Device type and model (e.g., Samsung Galaxy, Pixel)

• Operating system version (e.g., Android 13)

• App version currently in use

• General location (based on region, not GPS)

• Anonymous usage data and crash logs

This data is collected automatically through tools such as analytics or crash reporting libraries to help us enhance the app’s quality and stability.

Purpose of Data Usage

The minimal and anonymous information we may collect is used solely for improving your experience. Here's how:

• Bug Tracking: Crash logs help us identify and fix errors in the app.

• Feature Optimization: Understanding which features are most used allows us to enhance them or simplify those that aren’t useful.

• Performance Monitoring: We monitor app loading time, responsiveness, and compatibility with different devices.

At no point is your personal identity tracked, linked, or shared.

Use of Third-Party Services

To maintain and improve app performance, we may rely on trusted third-party service providers. These tools may access anonymized technical data as outlined in their own privacy policies.

1 Analytics Services

We may use tools such as Google Analytics for Firebase or Crashlytics to understand app usage and detect crashes. These tools only access non-personal information and are designed to improve app reliability and efficiency.

2 Ad Services (If Applicable)

If we decide to monetize the app in the future using ads (e.g., Google AdMob), ad providers may access device information to serve relevant ads. We will update this Privacy Policy accordingly if such services are added.

We encourage you to read Google’s privacy policy here:
https://policies.google.com/privacy

5. Data Security

We are committed to protecting all data, even if it is anonymous. The Present Value Calculator app is developed using secure coding practices and follows industry standards to protect data from unauthorized access, leaks, or misuse.

We do not store or transmit sensitive data to our servers, and any communication (if implemented) would be encrypted using HTTPS protocols. However, please note that no system is entirely immune to security threats.

User Control and Choices

Because we do not collect personal information, there is no need to request access, correction, or deletion of user data. However, you still have control over your device and its settings:

• You may uninstall the app at any time to stop all data activity.

• You may restrict background data or analytics via your device’s privacy settings.

• If analytics are used, you may opt out of tracking through your Google account settings.

We respect your decisions and aim to provide full functionality without forcing you to give up your privacy.

Children’s Privacy

This app is not intended for children under the age of 13. We do not knowingly collect or solicit data from anyone under this age group. If you believe a child under 13 has used the app and provided information, please contact us immediately and we will take prompt action.

We encourage parents or guardians to monitor their children’s device usage and guide them in safe and responsible app usage.

Policy Updates

We may revise this Privacy Policy occasionally to reflect changes in the app’s features, laws, or best practices. When we update this document, we will notify users either within the app or via the app store description.

It is your responsibility to review the policy periodically to stay informed of any changes. Continued use of the app after a change indicates your acceptance of the new policy.

Contact Information

If you have any questions, suggestions, or concerns about this Privacy Policy or how we handle your information, feel free to get in touch with us.

📧 Email: presentvaluecalculators@gmail.com

We appreciate your trust in Present Value Calculator and are committed to keeping your experience safe and respectful of your privacy.

Thank you for using Present Value Calculator. Your privacy is our top priority.