privacy
Privacy Policy
1. Introduction & Commitment to Privacy
Welcome to Boldin Retirement Planner Calc ("we," "our," or "the App"), developed to assist users in calculating retirement preparedness, exploring financial scenarios, and understanding savings projections.
Your privacy is of paramount importance to us. This Privacy Policy sets forth our policies and procedures regarding the collection, use, and disclosure of information when you use the App on the Android platform. By downloading, installing, or using Boldin Retirement Planner Calc, you consent to the data practices described in this policy.
Core Guarantee: All financial values, retirement targets, ages, annual contributions, and scenario assumptions entered into this application are stored 100% locally on your device. We do not transmit, upload, or sell your personal financial calculations to any remote cloud server.
2. Local On-Device Financial Storage (Zero Cloud Upload)
Boldin Retirement Planner Calc is engineered with a strict local-first sandbox architecture:
- Financial Inputs: Information including your current age, desired retirement age, current savings balance, annual income, monthly contribution, expected rate of return, inflation rate, and desired retirement spending are kept strictly within your private device storage (Android Jetpack DataStore / Room Database).
- No Account Required: The App does not require registration, login credentials, passwords, or linking to real bank accounts or credit institutions (
PSL_ACM_NONE). - Developer Non-Access: The developers and publishers have no technical access to, nor ability to inspect, aggregate, or monetize your individual financial estimates.
- Data Deletion: You retain complete control over your inputs. You may reset or permanently delete all entered data at any time by clearing the application storage via Android System Settings or by uninstalling the application.
3. Information Collected by Third-Party SDKs
To keep Boldin Retirement Planner Calc free for all users and ensure software reliability, the App integrates industry-standard third-party developer software development kits (SDKs), specifically Google Mobile Ads (AdMob) and the Google User Messaging Platform (UMP).
These services may automatically collect technical diagnostics and device identifiers as governed by their respective privacy policies:
| Data Type | Collected / Shared | Primary Purpose | Handling & Security |
|---|---|---|---|
| Device Identifiers & Advertising IDs (e.g., Google Advertising ID / GAID) | Collected & Shared with AdMob | Ad serving, ad personalization (with user consent), fraud prevention, and frequency capping. | Encrypted in transit via HTTPS/TLS. Managed according to Google Advertising Policies. |
| Approximate Location (Country, state, or city level derived from IP) | Collected & Shared with AdMob | Regional ad serving, language localization, and regional compliance enforcement. | No precise GPS location is ever requested or accessed. |
| App Performance & Crash Logs (Stack traces, ANR reports, OS version) | Collected | App stability monitoring, diagnosing crashes, performance benchmarking, and bug fixes. | Aggregated and anonymized diagnostics. |
| App Interactions (Ad views, ad clicks, screen navigation) | Collected | Analytics, measuring ad delivery effectiveness, and fraud detection. | Used strictly for app telemetry and anti-abuse safeguards. |
All data transmission between the application and Google servers is strictly encrypted in transit using Transport Layer Security (TLS/HTTPS).
4. Advertising Policy & Monetization
The App displays non-intrusive advertisements served through Google AdMob, which may include:
- Adaptive Banners: Anchored at the bottom of the screen with dedicated spacing to prevent accidental clicks.
- App Open Ads: Displayed gracefully when returning to the app from the background (with a strict first-open grace period to ensure clean onboarding).
- Interstitial Ads: Capped at respectful interaction thresholds between section transitions.
- Rewarded Ads: Optional video ads that users voluntarily choose to watch to unlock detailed scenario calculations.
- Native Ads: Clear, labeled promotional units styled to match the app layout with dedicated media containers.
We strictly prohibit deceptive ad placements, pop-ups covering interactive buttons, or artificial clicks. All ad units adhere to the Google Play Developer Program Policy and AdMob Program Policies.
5. European Economic Area (EEA) & UK User Rights (GDPR)
If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, you are entitled to specific rights under the General Data Protection Regulation (GDPR) and UK Data Protection Act:
- Consent Management: We utilize Google's certified User Messaging Platform (UMP) SDK to request your explicit consent for personalized advertising and cookies/identifiers prior to requesting advertisements.
- Revoking / Changing Consent at Any Time: You can review, update, or revoke your consent preferences at any time directly within the application:
- Open the App and tap the Settings tab.
- Select Privacy Settings under Data & Privacy.
- The Google Privacy Consent dialog will appear, allowing you to modify your ad consent choices instantly.
- Right of Access & Erasure: Because all financial calculations remain strictly on your local device, you can exercise your right to access and erase this data instantly by clearing the app cache/data or uninstalling the App.
6. California & US State Privacy Rights (CCPA / CPRA)
Under the California Consumer Privacy Act (CCPA), as amended by the CPRA, and similar US state privacy laws, California and US residents have specific rights regarding their personal data:
- Right to Know & Delete: As stated, the App does not maintain server-side user accounts, email lists, or profiles. Local data can be purged directly through device settings.
- Opt-Out of "Sale" or "Sharing" for Cross-Context Behavioral Advertising: You can opt out of personalized advertising across all apps on your Android device:
- Go to Settings → Google → Ads (or Privacy → Ads).
- Tap Delete advertising ID or enable Opt out of Ads Personalization.
7. Children's Privacy (COPPA Compliance)
Boldin Retirement Planner Calc is an educational financial forecasting utility intended for adults planning retirement and managing long-term savings. The App is not directed toward children under the age of 13 (or under 16 in the European Union).
We do not knowingly collect, solicit, or share personal data from children. If we become aware that personal information from a minor has been inadvertently transmitted, we will take prompt steps to purge such data from operational logs.
8. Third-Party Links & Privacy Policies
The App may interact with external services provided by Google. For comprehensive information on how Google manages advertising and telemetry data, please refer to:
9. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect operational modifications, regulatory requirements, or enhancements to our application features. Any revisions will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.
10. Contact Us
If you have any questions, concerns, or inquiries regarding this Privacy Policy or the data practices of Boldin Retirement Planner Calc, please contact our privacy compliance team:
Email: funspinny.support@gmail.com
Application: Boldin Retirement Planner Calc (com.funspinny.days)
Developer Support: Boldin Engineering Team
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