Privacy Policy for Investment & Retirement Planner

Last Updated: 28 June 2026

Educational tool — not financial advice. Investment & Retirement Planner provides illustrative projections for education and planning only. It is NOT financial, investment or tax advice, returns are not guaranteed, and it is not affiliated with any bank, broker, or tax authority. The capital-gains feature uses editable illustrative default rates, not official figures.

Overview

Investment & Retirement Planner ("the App") helps you model SIPs, compounding, retirement, FIRE and financial goals with offline calculators and charts. We are committed to protecting your privacy. This policy explains how information is handled.

Data Stored On Your Device Only

The App stores the following locally on your device in a private database. None of it is uploaded to us or any server:

Calculator inputs you enter (amounts, rates, durations, ages, expenses)
Saved scenarios and scenario comparisons
Financial goals you create (name, target, timeline, progress)
App preferences (theme, Material You, selected currency) and premium purchase status

No account is required — no name, email, or sign-in.

Google AdMob (Free Tier Only)

Free users see ads served by Google AdMob, which may collect a device advertising ID and general usage data for ad delivery. Upgrading to Pro removes all ads. See Google's Privacy Policy.

Google Play Integrity

The App uses the Google Play Integrity API to help protect against fraud and tampering. This processes a device/app integrity signal through Google; it does not collect personal information.

In-App Purchases

The optional Pro upgrade is processed by Google Play. We receive only confirmation that a purchase completed. We do NOT receive your card details, billing address, or Google account information.

Backups You Create

The backup/export feature writes a file you choose to share or save (a JSON backup, or PDF/CSV of a projection). That file is controlled entirely by you and is never sent to us.

Data Sharing

We do NOT sell, trade, or share your personal data. The only third parties involved are Google (AdMob, Play Billing, Play Integrity) as described above, or where required by law.

Children

The App is intended for users aged 18 and over and is not directed at children.

Data Retention & Deletion

All data is stored on your device. Uninstalling the App or clearing its storage deletes everything. See our data deletion page.

Contact Us

Questions or requests: dev@corithmflowmatrix.com

Summary: Your inputs, scenarios and goals stay on your device. No account, no personal data collected by us. Ads only for free users. Illustrative projections only — not financial advice.