Privacy Policy

Effective Date: August 14, 2025

Last Updated: September 3, 2025

This Privacy Policy describes how NFC Reader & Card Wallet ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application ("App").

1. Information We Collect

Local Data (Stored on Your Device Only):

- Card information (numbers, expiry dates, cardholder names, optional CVV codes)

- NFC scan data and history

- App preferences and settings

- Financial calculator inputs and results

Data Collected by Third-Party Services:

- Firebase Analytics: App usage statistics, crash reports, and performance data

- Firebase Crashlytics: Error logs and crash reports for app improvement

- Google AdMob: Advertising identifier, device information, and ad interaction data

- Meta Audience Network: Advertising data and user interactions with ads

- Firebase Cloud Messaging: Device tokens for push notifications

2. How We Use Information

Local Data: Used solely for app functionality and stored encrypted on your device

Third-Party Analytics: Used to improve app performance, fix bugs, and understand usage patterns

Advertising: Used to display relevant ads and measure ad performance

Push Notifications: Used to send app updates and important information

3. GDPR Compliance & Consent Management

For users in the European Union (EU) and European Economic Area (EEA):

- We use Google's User Messaging Platform (UMP) to obtain and manage consent for data processing

- Consent forms are automatically displayed to EU/EEA users when required

- You can manage your consent preferences through the "Privacy Options" in app settings

- We respect your right to withdraw consent at any time

- Personalized advertising requires your explicit consent

- Without consent, we show non-personalized ads only

Your GDPR Rights:

- Right to Access: Request information about data we process

- Right to Rectification: Correct inaccurate personal data

- Right to Erasure: Request deletion of your personal data

- Right to Restrict Processing: Limit how we process your data

- Right to Data Portability: Receive your data in a structured format

- Right to Object: Object to processing based on legitimate interests

- Right to Withdraw Consent: Withdraw consent for data processing

4. Data Sharing

We do not sell or share your personal information with third parties except:

- With advertising partners (Google AdMob, Meta) for ad serving and measurement (with consent where required)

- With Firebase services for analytics, crash reporting, and notifications

- As required by law or to protect our rights

5. Permissions Required

- NFC Access: To scan contactless cards

- Internet Access: For ads, analytics, and notifications

- Network State: To check connectivity for online features

- Biometric Authentication: To secure access to your stored cards

- Notifications: To send push notifications

- Ad ID: For personalized advertising (with consent)

6. Data Security

Local data is encrypted and stored securely on your device

We implement security measures to protect data transmitted to third-party services

Your card information never leaves your device except for optional cloud backup

7. Third-Party Services

Our app uses these third-party services that may collect data:

- Google Firebase (Analytics, Crashlytics, Cloud Messaging)

- Google AdMob with User Messaging Platform (UMP) for GDPR compliance

- Meta Audience Network

Each service has its own privacy policy governing data collection and use.

8. Your Rights

You can:

- Delete all local data by uninstalling the app

- Manage consent preferences through "Privacy Options" (EU/EEA users)

- Opt out of personalized ads in your device settings

- Disable push notifications in app settings

- Contact us to exercise your GDPR rights

- Request information about data collected

9. Children's Privacy

Our app is suitable for users 13+ years old. We do not knowingly collect personal information from children under 13.

10. International Data Transfers

Data may be transferred to and processed in countries other than your own through our third-party service providers. For EU users, we ensure appropriate safeguards are in place.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted with a new "Last Updated" date. For significant changes affecting EU users, we will obtain fresh consent where required.

12. Contact Us

For questions about this Privacy Policy or to exercise your GDPR rights, contact us at:

📧 access.kagemaster1991@gmail.com

For EU users: You also have the right to lodge a complaint with your local data protection authority.