MySIP Calculator - Privacy Policy

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 # Privacy Policy for MySIP Calculator


**Last Updated & Effective Date:** September 4, 2026  
**Application Name:** MySIP Calculator  
**Application ID:** `com.aistudio.sipcalculator.zxqptk`  
**Developer Contact:** prashanzt24@gmail.com  

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## 1. Introduction & Privacy Philosophy

Welcome to **MySIP Calculator** ("we", "our", or "the Application"). We are committed to protecting your privacy, data sovereignty, and financial confidentiality.

MySIP Calculator is built on an **Offline-First, Zero-Tracking Architecture**. We believe that your personal financial aspirations, monthly investment amounts, net worth projections, and retirement plans belong strictly to you.

This Privacy Policy explains what information the Application handles, how it is processed, and your rights as a user in full compliance with the **Digital Personal Data Protection Act (DPDP Act, 2023)**, the **Information Technology Act, 2000**, and **Google Play Developer Program Policies**.

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## 2. Information We DO NOT Collect

Unlike traditional financial platforms, MySIP Calculator does not operate as an intermediary, broker, or cloud database. Specifically:

- **No Banking or Financial Account Credentials:** We never request, collect, or process bank account numbers, debit/credit cards, UPI PINs, net-banking passwords, or transaction histories.
- **No Government or Tax Identifiers:** We do not collect Permanent Account Number (PAN), Aadhaar, Passport, or Tax Identification numbers.
- **No Personal Identifiable Information (PII):** We do not require account registration, legal name, telephone number, email login, or social logins.
- **No Sensitive Device Permissions:** The Application does not request or access your contacts, camera, photo library, microphone, SMS, call logs, or device sensors.
- **No Physical Location Tracking:** We do not track or store GPS coordinates or background location telemetry.

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## 3. How Your Data Is Handled (Local-Only Storage)

All financial figures, goal parameters, and plan calculations you input into MySIP Calculator are **processed entirely client-side on your physical device**:

- **Device Sandboxing:** All saved investment plans, pinned scenarios, risk tolerances, and custom calculation presets are stored strictly within the private local Android application sandbox (using Room Database and local key-value preferences).
- **No Cloud Synchronization:** Data saved in the app is never transmitted to, inspected by, or synchronized with remote servers or cloud backends.
- **Device Encryption:** Your saved calculations inherit the security, hardware encryption, and sandbox isolation protections enforced by the Android Operating System.

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## 4. Network Permissions & Usage

The application declares the following network permission in its `AndroidManifest.xml`:

- `android.permission.INTERNET`: Used exclusively for:
  1. Fetching public, non-personalized market benchmark indices (e.g., NIFTY 50, SENSEX, and government benchmark yields) displayed on the live market snapshot.
  2. Loading public educational resources or external regulatory links (such as official AMFI or SEBI investor guidance).

**Zero Telemetry:** No user-specific data, calculation parameters, investment amounts, or hardware identifiers (AAID, MAC address, IMEI) are transmitted in these network requests.

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## 5. Third-Party Services & Trackers

- **Zero Advertising or Behavioral SDKs:** MySIP Calculator does not embed third-party advertising SDKs, behavioral trackers, or data broker beacons.
- **No Data Commercialization:** We do not sell, rent, monetize, or trade any user financial data to brokers, loan providers, credit bureaus, or insurance marketers.

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## 6. User Rights & Complete Data Control

You maintain 100% ownership and control of your financial records:

- **Selective Deletion:** You can delete individual calculation records, pinned SIP plans, or retirement milestones anytime directly from the **Reports** or **Saved Plans** tabs.
- **Complete Erasure:** You can erase all data at any moment by navigating to **Android Settings > Apps > MySIP Calculator > Clear Data / Storage**.
- **Uninstallation:** Uninstalling the Application permanently and irreversibly deletes all locally saved data from your device immediately.

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## 7. Legal & Regulatory Compliance

This policy is designed to comply with:
1. **India's Digital Personal Data Protection Act (DPDP Act, 2023)** — adhering strictly to data minimization and purpose limitation.
2. **Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011**.
3. **Google Play Store Developer Policies (User Data, Financial Services, and Permission Governance)**.
4. **Children's Online Privacy Protection Rule (COPPA) & GDPR** — The app does not target, collect, or solicit information from minors.

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## 8. Disclaimer on Financial Advice

MySIP Calculator is an informational and mathematical simulation toolkit for educational and self-directed planning purposes. Mutual fund investments are subject to market risks. Calculations and simulations do not constitute professional financial, tax, or investment advice.

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## 9. Updates to This Privacy Policy

We may periodically update our Privacy Policy to reflect app enhancements or evolving regulatory standards. Any revisions will be updated within the in-app **Privacy Policy Screen** (`Screen.PrivacyPolicy`) and updated in this repository with a revised "Last Updated" timestamp.

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## 10. Contact & Grievance Redressal

If you have questions, concerns, or requests regarding this Privacy Policy or your data privacy, please reach out to our team:

- **Data Protection & Developer Email:** prashanzt24@gmail.com
- **Application:** MySIP Calculator  
- **Operating Location:** Gujarat, India  

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