Introduction
KALFIN ("we", "our", or "the app") is a financial calculator application for iOS. We are committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our app.
By downloading or using KALFIN, you agree to this Privacy Policy. If you do not agree, please do not use the app.
Information We Collect
KALFIN is designed with privacy in mind. We do not directly collect, store, or transmit any personal information to our own servers. All financial calculations are performed entirely on your device.
Specifically, we do not collect:
- Personally identifiable information (PII) such as your name, email address, or phone number.
- Financial data you enter into the calculators (loan amounts, income, interest rates, etc.).
- Location data.
- Contact information or address book data.
However, our app integrates third-party services that may collect certain data as described in the "Third-Party Services" section below.
How We Use Information
All data you enter into KALFIN remains on your device and is processed locally for calculation purposes only. We do not access, transmit, or store your calculation inputs or results on any server.
Third-Party Services
KALFIN uses the following third-party services:
Google AdMob (Advertising)
KALFIN displays advertisements provided by Google AdMob to support the free version of the app. Google AdMob may collect and use certain data to serve personalized or non-personalized ads, including:
- Device identifiers (such as the Advertising Identifier / IDFA).
- IP address.
- General device information (device model, operating system version).
- Ad interaction data (impressions, clicks).
Google's use of this data is governed by Google's Privacy Policy. You can learn more about how Google uses data from apps that use their services at Google's Partner Sites Policy.
You may opt out of personalized advertising by adjusting your device settings under Settings > Privacy & Security > Tracking on iOS. You may also remove ads entirely by purchasing the "Remove Ads" option within the app.
Apple StoreKit (In-App Purchases)
KALFIN offers in-app purchases (such as "Remove Ads") processed by Apple through StoreKit. Purchase transactions are handled entirely by Apple and are subject to Apple's Privacy Policy. We do not collect or store any payment or billing information.
Data Storage
Any data you enter into the app (such as loan amounts, interest rates, and other calculation inputs) is stored locally on your device only. This data is not backed up to any external server operated by us. Standard iOS device backups (iCloud or local) may include app data according to your device settings.
Data Retention
Since we do not collect personal data on our servers, there is no data for us to retain. Data stored locally on your device can be deleted by uninstalling the app. Third-party services may retain data according to their own policies.
Your Rights and Choices
You have the following choices regarding your data:
- Opt out of ad tracking: Go to Settings > Privacy & Security > Tracking on your iOS device to limit ad tracking.
- Remove ads: Purchase the "Remove Ads" in-app purchase to eliminate advertising and the associated data collection by Google AdMob.
- Delete local data: Uninstall the app to remove all locally stored data from your device.
- Reset Advertising Identifier: You can reset your device's Advertising Identifier in your iOS privacy settings.
Children's Privacy
KALFIN is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. Google AdMob is configured to comply with applicable regulations regarding children's privacy. If you believe a child under 13 has provided personal information through the app's third-party services, please contact us so we can take appropriate action.
International Users
KALFIN is primarily designed for users in Indonesia. If you use the app from outside Indonesia, please be aware that third-party services (such as Google AdMob) may process data in countries other than your own. By using the app, you consent to the transfer and processing of data as described in this policy.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Continued use of the app after changes constitutes acceptance of the updated policy.
Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at: