Smart Loan Payoff Calculator

Overview

This Privacy Policy applies globally to Smart Loan Payoff Calculator (the "App"). The App runs entirely on-device. We do not upload your entered data (e.g., loan amounts, payment scenarios, calculations) to our servers.

Your privacy is important to us. This policy explains what information we collect, how we use it, and your rights regarding your data.

Data We Do Not Collect

We do not collect directly identifying information such as:

• Name, email address, or phone number
• Payment information or financial account details
• Contact lists or address books
• Precise location data
• Device identifiers for cross-app tracking

We do not upload your input data from the App to our servers, including:

• Loan amounts and balances
• Interest rates and payment details
• Prepayment scenarios and calculations
• Saved scenarios and comparison results
• Any notes or custom data you enter

On-Device Processing and Storage

• Data never leaves your device
• All calculations are performed locally
• No cloud synchronization or backup to our servers
• Data is only accessible on your device

Your data remains private and under your control at all times.

Data Sharing

Content is only shared when you actively use the system share functionality:

• Using iOS share sheet to export calculations or screenshots
• Exporting payment schedules as PDF or CSV files

In these cases, Apple's and the receiving third party's terms and privacy policies apply. We have no control over how third-party apps or services handle shared data.

We do not automatically share, sell, or transfer your data to any third parties.

Third-Party Policies and Responsibility

When you:

• Open external links (e.g., App Store for ratings/reviews)
• Use third-party services or apps to receive shared data
• Access external websites from the App

Those third parties may collect or process information under their own policies. Please review and comply with the respective terms and privacy policies of Apple, and any third-party apps or websites you interact with.

We are not responsible for the privacy practices of third parties.

Your Privacy Rights (Global Summary)

Depending on your location, you may have specific privacy rights under local laws:

EU/UK/Switzerland (GDPR/UK GDPR/Swiss FADP)

Where applicable, you may have rights to:

• Access your personal data
• Rectify inaccurate data
• Erase your data ("right to be forgotten")
• Restrict processing
• Object to processing
• Data portability

Since all data is stored locally on your device, you can exercise these rights directly through the App by managing or deleting your data in Settings.

United States (CCPA/CPRA/CPA/UCPA/VCDPA, etc.)

We do not "sell" or "share" personal information for cross-context behavioral advertising.

California residents and residents of other states with privacy laws may have rights to:

• Know what personal information is collected
• Access and delete personal information
• Opt-out of sales/sharing (not applicable as we don't sell data)
• Non-discrimination for exercising privacy rights

Contact us using the information below to exercise these rights.

Other Regions (Brazil LGPD, Canada PIPEDA, Japan APPI, Korea PIPA, Singapore PDPA, China PIPL, India DPDP, etc.)

We follow core privacy principles including:

• Data minimization
• Transparency and notice
• Purpose limitation
• Security safeguards
• Reasonable retention limits
• Individual rights (access, correction, deletion)

To exercise your rights under applicable local laws, contact us using the information provided below.

Data Retention and Deletion

Your data remains on your device until you choose to delete it:

• Delete individual scenarios or comparisons within the App
• Use "Delete All Data" in Settings to clear all saved data
• Uninstall the App to remove all associated data

We do not retain copies of your data on any servers.

Children's Privacy

The App is designed for a general audience and is not directed to children under the age of 13 (or the applicable age of digital consent in your jurisdiction).

We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please:

• Contact us immediately at the email address below
• Delete the App and all associated data from the device

Parents and guardians should monitor their children's use of mobile applications.

Data Security

We take data security seriously:

• All data is stored locally using iOS secure storage mechanisms
• Data is protected by your device's security features (passcode, biometrics)
• No data transmission to external servers means no risk of network interception
• The App uses iOS sandbox security to isolate data from other apps

However, no method of storage is 100% secure. We recommend:

• Using a strong device passcode
• Enabling biometric authentication
• Keeping your device's operating system updated
• Not sharing your device with untrusted individuals

International Data Transfers

Since all data processing occurs locally on your device, there are no international data transfers to our servers.

If you use the system share feature to send data to third-party services, those services may process data in different countries under their own privacy policies.

Changes to This Policy

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

• App functionality
• Legal requirements
• Our privacy practices

When we make changes:

• The "Last updated" date at the top will be revised
• Significant changes may be highlighted in-app
• Updates take effect upon publication

Continued use of the App after changes constitutes acceptance of the updated Privacy Policy. We recommend reviewing this policy periodically.

Your Consent

By using Smart Loan Payoff Calculator, you consent to this Privacy Policy and our data practices as described herein.