Privacy Policy for ReturnX - Nivesh Calculator

Thank you for choosing to use ReturnX - Nivesh Calculator ("ReturnX", "we", "us", or "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at mankar.tarun4@gmail.com.

When you use our mobile application, you trust us with your privacy. We take this responsibility very seriously. This privacy policy describes what information is processed, how it is stored, and what your rights are.

1. Information We Collect

ReturnX is designed to function as an offline utility tool. We do not require you to create an account, log in, or provide any Personally Identifiable Information (PII) such as your name, email address, phone number, or financial details.

2. Local Data Storage

All calculations, history, saved preferences (such as dark mode settings or currency formats), and user inputs are stored locally on your device using local storage mechanisms (such as AsyncStorage). This data never leaves your device and is never uploaded to any external servers, databases, or cloud environments. You have full control over this data and can clear it at any time by uninstalling the application or clearing the app data from your device settings.

3. Device Permissions

Our application is built to respect your privacy and device security. We do not request or require access to sensitive device permissions, including but not limited to:

• Location (GPS)
• Camera
• Microphone
• Contacts or Phonebook
• SMS or Call Logs

4. Third-Party Analytics and Tracking

In the current version, ReturnX does not use any third-party analytics tools (such as Google Analytics or Firebase) to track your usage, behavior, or interactions within the application. Your usage remains completely private and offline.

5. Advertisements

The current version of ReturnX is completely ad-free and does not integrate any advertising SDKs (such as Google AdMob). If we decide to introduce advertisements in a future update to support the development of the app, this Privacy Policy will be updated accordingly to reflect the use of advertising identifiers and third-party ad networks. Until such an update occurs, no ad-related tracking takes place.

6. Financial Disclaimer

ReturnX is a mathematical calculator tool and does not provide financial advice, investment recommendations, or lending services. The calculations and projections provided by the app are estimates based on standard formulas. We do not have access to your bank accounts, and we do not monitor your financial status.

7. Changes to This Privacy Policy

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Effective Date" at the top of this policy. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

8. Contact Us

If you have questions or comments about this policy, you may email us at: mankar.tarun4@gmail.com