Welcome to SIP Calculator, a personal finance tool developed by Programming Place. This Privacy Policy explains how we handle information when you use our application. We are committed to transparency and protecting your privacy.

SIP Calculator is designed as a privacy-first application. We do not require you to create an account or provide any personal information to use the app.

The app does not collect, store, transmit, or share any personally identifiable information. All financial calculations (SIP returns, lumpsum projections, goal planning) are performed entirely on your device.

• No name, email, or contact information is collected
• No financial data you enter is stored on our servers
• No account creation is required
• No location data is accessed or collected

The app integrates certain third-party services that may collect limited information to provide their features. These include:

• Google AdMob — for displaying in-app advertisements
• Google Firebase Analytics — for understanding aggregate app usage
• Firebase Crashlytics — for detecting and fixing app crashes
• Google Play Services — for in-app update delivery

These third-party services may collect device identifiers, advertising IDs, crash logs, and aggregate usage statistics. This data is governed by their own privacy policies and is not shared with us in a personally identifiable form.

Learn more: Google Privacy Policy  |  Google Advertising Policy

The SIP Calculator app displays advertisements provided by Google AdMob. AdMob may use your device's advertising ID and other non-personal signals to serve relevant ads. You can opt out of personalized advertising at any time through your device settings:

• Android: Settings → Google → Ads → Opt out of Ads Personalization

We do not share your personal data with advertisers. All advertising is handled exclusively by Google AdMob under their terms.

All data you enter into the SIP Calculator (monthly investments, expected returns, goal amounts) exists solely on your device and is never transmitted to our servers. We do not maintain any databases containing user data.

We rely on third-party services (Google Firebase) with industry-standard security practices for crash reporting and analytics. No sensitive financial information is included in these reports.

The SIP Calculator app is suitable for all age groups. We do not knowingly collect personal information from children under the age of 13. Since no personal data is collected by our app, it is safe for use by users of all ages.

If you believe a child has inadvertently provided personal information through a third-party service, please contact us and we will take appropriate steps.

Since SIP Calculator does not collect personal data, there is no personal data to access, correct, or delete on our end. For data collected by third-party services (Google), you can manage your preferences through:

• Your Google Account privacy settings
• Android device advertising preferences
• The Google Safety Center at safety.google

We may update this Privacy Policy from time to time to reflect changes in our app, third-party services, or applicable laws. Any changes will be posted on this page with a revised effective date. We encourage you to review this page periodically.

Continued use of the app after changes are posted constitutes your acceptance of the updated policy.

If you have any questions, concerns, or feedback about this Privacy Policy or our data practices, please reach out to us: