# Privacy Policy for Finify: Retirement, SIP & EMI Calc

**Last updated:** January 11, 2026

**Finify: Retirement, SIP & EMI Calc** ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how your information is collected, used, and disclosed by **Finify**.

This Privacy Policy applies to our application named **Finify: Retirement, SIP & EMI Calc**, and its associated subdomains (collectively, our "Service"). By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

## 1. Information We Collect

We do not collect any personal information (such as your name, email address, or phone number) directly. All calculations (SIP, EMI, Retirement, etc.) are performed locally on your device.

### Local Storage

We use local storage on your device (`SharedPreferences`) to save your last used calculator inputs (e.g., investment amounts, interest rates) to improve your user experience. This data never leaves your device and is not shared with us or any third parties.

### Automatic Data Collection (AdMob)

We use **Google AdMob** to display advertisements in our app. AdMob may collect and use certain data to serve personalized ads, including:

* **Device ID & Advertising ID:** To identify your device for advertising purposes.
* **Usage Data:** Information about how you interact with the ads and the application.
* **Diagnostics:** Crash logs and performance data to ensure the stability of the ad SDK.

## 2. Third-Party Services

We may employ third-party companies and individuals due to the following reasons:

* To facilitate our Service (e.g., Google Play Services);
* To provide the Service on our behalf;
* To perform Service-related services; or
* To assist us in analyzing how our Service is used.

We want to inform users of this Service that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

**Link to privacy policy of third-party service providers used by the app:**

* [Google Play Services](https://policies.google.com/privacy)
* [AdMob](https://support.google.com/admob/answer/6128543?hl=en)

## 3. Cookies

Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device's internal memory.

This Service does not use these "cookies" explicitly. However, the app may use third-party code and libraries (like AdMob) that use "cookies" to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device.

## 4. Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

## 5. Children’s Privacy

These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

## 6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.

## 7. Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

* **Email:** vianlabs@gmail.com
* **Developer:** Vian Labs