Privacy Policy

Last updated: 2026-02-21

This app does not require account sign-in.

Information You Enter

All financial information you enter (loan amount, interest rate, extra repayments, offset details, refinance inputs, and rate change scenarios):

• Is stored only locally on your device.
• Is not transmitted to any server.
• Is not accessible to the developer.
• This app has no backend infrastructure or cloud storage.

Advertising & Advertising ID

This app uses Google AdMob to display advertisements.

AdMob may automatically collect and process certain data including:

• Android Advertising ID
• Device information (device type, operating system version)
• IP address (used for fraud detection and approximate location)
• Ad interaction data (impressions, clicks)

The Advertising ID may be used by Google to provide relevant advertising and to measure ad performance.

You can reset or limit your Advertising ID in your device settings:
Settings → Privacy → Ads (Android).

All advertising-related data is collected and processed by Google in accordance with Google’s Privacy Policy:

https://policies.google.com/privacy

The developer does not access, store, or control data collected by advertising providers.

Analytics

The app does not use additional analytics SDKs beyond advertising-related measurement performed by AdMob.

Data Sharing

The developer does not sell, trade, or transfer your personal data. Any data collected through advertising services is handled directly by the advertising provider.

Children’s Privacy

This app is not directed toward children under 13 years of age and does not knowingly collect personal data from children.

Changes to This Policy

This Privacy Policy may be updated periodically. Updates will be reflected by revising the "Last updated" date above.

Contact: dumprec4@example.com

Terms of Use

1) Estimates Only: This app provides mortgage and refinance calculations for informational purposes only.

2) Not Financial Advice: Nothing in this app constitutes financial, legal, tax, or investment advice.

3) No Warranties: The app is provided “as is” without warranties of accuracy, completeness, reliability, or fitness for a particular purpose.

4) Limitation of Liability: The developer is not liable for any financial loss, damages, or decisions made based on calculations produced by this app.

5) Independent Verification Required: Users must verify all figures with their lender and official loan documentation before making financial decisions.

Financial Disclaimer

• This calculator produces estimates only.
• Results may differ from lender calculations due to compounding methods, offset treatment, fees, rounding, variable rate adjustments, or refinance conditions.
• Refinance comparisons are simplified projections and may not reflect all lender conditions.
• Always consult a licensed financial professional before making financial decisions.