This Privacy Policy explains how Retirement & 401(k) Planner (“the App”) handles information when you use the application.
The App is designed to work offline and does not require an account, bank connection, or cloud service to provide its core functionality.
1. Information We Collect
We do not collect or transmit personal information through the App.
The App does not require you to provide:
- Your name
- Email address
- Phone number
- Home address
- Bank account information
- Credit card information
- Social Security number
- Login credentials
- Other personally identifying information
The financial information you enter into the App, such as retirement savings, salary, contribution rates, retirement age, and investment assumptions, is used only to perform calculations and generate projections.
2. Financial Information
The App allows you to enter financial information for retirement planning purposes, including:
- Current retirement savings
- Salary
- 401(k) contribution rate
- Employer matching information
- Expected investment return
- Salary growth assumptions
- Inflation assumptions
- Retirement age
- Additional savings or contribution scenarios
This information is processed locally on your device to calculate retirement projections and related estimates.
We do not receive, access, sell, or transmit this information to our servers.
The App does not connect to your bank, brokerage, employer, 401(k) provider, or other financial institution.
3. Local Data Storage
Your plan information and settings may be stored locally on your device so that the App can remember your information between sessions.
This locally stored information is not automatically uploaded to a server or cloud database by the App.
You are responsible for protecting access to your device.
Deleting the App may remove locally stored App data, depending on your device’s operating system and backup settings.
4. Data Export and Import
The App may provide functionality to export and import your retirement planning data using a local file, such as a JSON file.
When you export your data:
- The file is created on your device or in a location selected by you.
- The App does not automatically upload the file to our servers.
- You are responsible for how the exported file is stored, transferred, or shared.
If you share an exported file with another person, application, cloud-storage provider, or other service, that third party’s privacy policy may apply.
5. Internet and Network Access
The core functionality of the App is designed to work without an internet connection.
The App does not require an internet connection to perform its core retirement calculations.
We do not use the App to transmit your retirement or financial information to remote servers.
6. Analytics and Tracking
The App does not use third-party analytics services to track your individual activity.
We do not use the App to build an advertising profile or behavioral profile based on your retirement planning information.
7. Advertising
The current version of the App does not contain third-party advertising.
No advertising network is provided access to the financial information you enter into the App.
8. Third-Party Services
The App does not require third-party financial services, bank connections, or account-management services.
Any third-party services used by your device or operating system, such as Google Play services, may process information according to their own privacy policies.
The App does not control or take responsibility for the privacy practices of independent third-party services.
9. Children’s Privacy
The App is intended for general financial education and retirement planning.
The App does not knowingly collect personal information from children.
Because the App does not require an account and does not intentionally collect personal information, there is no registration process through which we knowingly obtain personal information from children.
10. Data Security
Because your retirement planning information is processed and stored locally, you should use the security features provided by your device, such as a screen lock, PIN, password, or biometric authentication.
No method of electronic storage can be guaranteed to be completely secure. However, the App is designed to minimize privacy risks by keeping core financial planning information on your device rather than transmitting it to our servers.
11. Your Privacy Choices
Because the App does not collect or maintain your financial planning information on our servers, we generally do not have access to that information.
You can control the information stored in the App by:
- Editing your retirement plan
- Removing or resetting App data
- Deleting the App
- Managing any exported files yourself
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to the App or applicable legal requirements.
When changes are made, the updated policy will be posted with a revised “Last updated” date.
You are encouraged to review this Privacy Policy periodically.
13. Contact Us
If you have questions about this Privacy Policy or the privacy practices of the App, please contact us at:
Email: contact@appsidio.com
Developer: Appsidio
App: Retirement & 401(k) Planner