Zero Phone Data Access Guarantee
We believe financial tools must respect complete user privacy. Our SIP Calculator app does NOT fetch, read, scan, or access any personal data from your phone or mobile device.
Our Immutable Guarantee:
Whether you enter a monthly SIP amount of $100 or $10,000, your numbers remain strictly inside your device's active memory. The application does not read your contact list, call history, media gallery, SMS messages, or location.
No Data Stored on Any Server
Unlike cloud-based platforms that require user accounts or send financial information to remote databases, our SIP Calculator maintains zero cloud servers for user data storage.
- No Database Records: We do not store your investment amounts, target returns, tenure, or wealth calculation history on any remote server.
- No User Accounts: You are not required to log in, register with an email address, or provide phone numbers to use the calculator.
- Ephemeral Local Memory: All user inputs exist temporarily in your phone’s local RAM while the application is active and are automatically cleared when you close the app.
Information We Do NOT Collect
To be 100% clear and transparent, the following categories of data are NEVER collected, stored, or processed by us:
❌ Personal Identification
No Names, Email Addresses, Phone Numbers, Social Media IDs, or Postal Addresses.
❌ Financial & Bank Data
No Credit Cards, Bank Account Numbers, PAN, Aadhaar, SSN, or Financial Portfolios.
❌ Phone Media & Files
No Photos, Videos, Documents, Downloads, or Internal Phone Storage contents.
❌ Hardware & Sensors
No Camera access, Microphone recordings, GPS Location, or Bluetooth data.
App Permissions Policy
Our application strictly adheres to the principle of least privilege. The SIP Calculator requires zero sensitive Android / iOS permissions to function.
| Permission Category | Permission Status | Details |
|---|---|---|
| Contacts / Phonebook | NOT REQUESTED | No access to device contacts |
| Storage / Gallery | NOT REQUESTED | No reading or writing to phone storage |
| Location (GPS) | NOT REQUESTED | Zero location tracking |
| Camera / Microphone | NOT REQUESTED | No hardware sensor permissions |
How Local Calculations Work
When you input values into the SIP Calculator (such as Monthly Investment, Expected Annual Return Rate, and Time Horizon in years), the underlying compound interest formula is evaluated locally using client-side JavaScript / Native device execution:
M = P × font font { [ (1 + i)^n - 1 ] / i } × (1 + i)Where P is monthly investment, i is monthly interest rate, and n is total months. All mathematical processing occurs inside your device processor without sending network packets.
Third-Party Services & Analytics
We do not sell, trade, or transfer any user data to outside third parties. We do not integrate data-harvesting software development kits (SDKs), nor do we track user behavior across third-party apps or websites.
If the website or app displays standard non-personalized advertisements or core performance metrics in the future, it will be strictly compliant with standard Google Play policies and developer privacy guidelines.
Children's Privacy
Our application does not collect any personal information from anyone, including children under the age of 13. Since no personal data is collected or transmitted, the app is entirely safe for users of all ages.
Contact Us Regarding Privacy
If you have any questions, suggestions, or concerns regarding this Privacy Policy or our local data security practices, please contact us: