Privacy Policy

1. Introduction

This Privacy Policy describes how your information is handled in the Android application Credit Planner (the "App"). We are committed to protecting your privacy and ensuring a transparent user experience.

2. Data Controller

3. Data Collection and Usage

We follow the principle of data minimization. Our core policy is:

• No Own Server Storage: We do not collect, store, or transmit any of your personal data (such as names, emails, or phone numbers) to our own servers.
• Local Storage: Any data generated within the App (e.g., settings, progress, or local preferences) is stored exclusively on your device. Clearing the App's cache or uninstalling the App will generally remove this data.
• Device Permissions: If the App requests permissions (e.g., storage or network access), these are used solely for the technical functionality of the App on your device.

4. Third-Party Services (Google AdMob)

To provide this App for free, we use Google AdMob to display advertisements. AdMob is provided by Google Ireland Limited.

AdMob may collect and use certain data, such as your device's Advertising ID, IP address, and interaction data with ads. This data is used to provide personalized advertising and for analytics purposes.

Consent: For users in the EEA/UK, we use a Consent Management Platform to ask for your permission before loading personalized ads, in compliance with the GDPR.

You can read Google’s Privacy Policy here: https://policies.google.com/privacy

5. Analytics (Firebase)

The App may use Firebase Analytics (Google) to collect anonymized technical information (e.g., device model, session duration, app crashes). This helps us identify bugs and improve the App's performance. This data does not personally identify you.

6. Children’s Privacy

Our App is not intended for children under the age of 13 (or 16 in certain jurisdictions). We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such data, we will take steps to delete it immediately.

7. Your Rights & Opt-Out

You have the right to access or delete any data processed by third parties. You can opt-out of personalized advertising at any time through your Android system settings:

Settings → Consent Settings → Update Consent.

8. Changes to This Policy

We may update our Privacy Policy from time to time. We notify you of any changes by posting the new Privacy Policy on this page.