Privacy Policy

Effective Date: May 13, 2026

1. Introduction

Welcome to Auto Loan Payoff Calc ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App"). Please read this policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We are committed to protecting your privacy. The App is designed to function with minimal data collection.

• Personal Data: We do not collect any personally identifiable information such as your name, email address, phone number, or mailing address.
• Financial Data: All loan calculation data you enter (loan amount, interest rate, payment information) is stored locally on your device only. We do not transmit, store, or have access to any of your financial data on our servers.
• Usage Data: We may collect non-personally identifiable usage information automatically, such as device type, operating system version, and general interaction patterns to improve the App experience.

3. Third-Party Services

The App uses the following third-party services that may collect information:

• Google AdMob: We use Google AdMob to display advertisements within the App. AdMob may collect and use data to serve personalized or non-personalized ads. This data may include your device identifier, IP address, and general location information. For more information, please review Google's Privacy Policy.
• Google Play Services: The App relies on Google Play Services, which may collect certain device and usage information. Please refer to Google's Privacy Policy for details.

4. Advertising

The App displays advertisements provided by Google AdMob to support free access to the App. These ads may include:

• Interstitial ads (full-screen ads shown at natural transition points)
• App open ads (shown when the App is brought to the foreground)
• Rewarded ads (optional ads users can choose to watch for in-app benefits)
• Banner ads (displayed at the top or bottom of the screen)

AdMob may use cookies, device identifiers, and similar technologies to deliver relevant ads. You may opt out of personalized advertising by adjusting your device settings under Settings > Google > Ads > Opt out of Ads Personalization.

5. Data Storage and Security

All user-entered data, including loan calculations and preferences, is stored exclusively on your device using local storage mechanisms. We do not operate any servers that store your personal or financial data.

While we strive to use commercially acceptable means to protect your data, no method of electronic storage is 100% secure. We cannot guarantee absolute security of your data stored on your device.

6. Children's Privacy

The App is not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If we discover that a child under 13 has provided us with personal information, we will take steps to delete such information promptly.

7. Links to Other Sites

The App may contain links to third-party websites or services that are not operated by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to review the privacy policy of every site you visit.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top. You are advised to review this Privacy Policy periodically for any changes. Changes are effective immediately upon posting.

9. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your data:

• The right to access the personal data we hold about you
• The right to request deletion of your personal data
• The right to opt out of personalized advertising
• The right to data portability

Since all calculation data is stored locally on your device, you can delete all App data at any time by clearing the App's data or uninstalling the App from your device.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Email: financialadvisorapp@gmail.com