🔐 Privacy Policy – Smart Pay Calculator

Smart Pay Calculator is a financial utility application designed to help users perform various financial calculations such as salary estimation, retirement calculation, GST calculation, EMI calculation, and related tools.

We respect your privacy and are committed to protecting any information related to you while using this application.

1. Information We Collect

Smart Pay Calculator does not collect any personally identifiable information from users.

The app does not require:

• User registration
  
  

• Login credentials
  
  

• Personal identification information
  
  

• Financial account details
  
  

Users can use all tools without providing any personal data.

2. Local Data Processing

All calculations performed in Smart Pay Calculator are processed locally on the user’s device.

Information entered into calculators such as:

• Salary values
  
  

• Loan amount
  
  

• Interest rate
  
  

• Tax values
  
  

• Basic pay
  
  

is used only for performing calculations within the app and is not stored or transmitted outside the device.

3. Data Storage

Smart Pay Calculator does not store personal user data on remote servers.

Any temporary values entered into the calculators remain only within the application session and are not permanently saved unless explicitly implemented by the app in the future.

4. Third-Party Services

The application may use third-party services such as:

• Google Play Services
  
  

• Advertising providers (if ads are enabled in future updates)
  
  

These services may collect limited anonymous information such as device information or usage statistics according to their own privacy policies.

Users are advised to review the privacy policies of these third-party providers.

5. Security

We value your trust and strive to use commercially acceptable means of protecting user information.

However, since the application does not collect or store personal data, the risk related to personal data exposure is minimal.

6. Children’s Privacy

Smart Pay Calculator does not knowingly collect personal information from children under the age of 13.

If you believe that a child has provided personal information within the application, please contact us so that appropriate action can be taken.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time.

Users are advised to review this page periodically for any changes. Any changes will be reflected by updating the "Effective Date" of this policy.

8. Disclaimer

Smart Pay Calculator is an independent utility application and is not affiliated with, endorsed by, or authorized by the Government of India or any government department or agency.

The app does not represent any government entity and does not provide official government services.

All financial calculations and salary estimates are provided for informational and estimation purposes only. Users should verify official figures through official government notifications or trusted financial sources.

9. Contact Us

If you have any questions or suggestions regarding this Privacy Policy, you can contact us at:

Email: ganeshveramv9@gmail.com