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Official Production Policy 🇮🇳 India DPDP 2023 🇺🇸 US CCPA / CPRA 🇪🇺 EU GDPR / UK GDPR 🇦🇺 Australia Privacy Act

Privacy Policy for VeloCalc

Effective Date: September 29, 2026 Version: 2.0 (Production Release) App: VeloCalc (Android, iOS, Web)
Fundamental Privacy Guarantee: VeloCalc is built upon a strict privacy-by-design, offline-first deterministic architecture. We do not require account registration, do not collect personal financial credentials, and do not transmit or log your calculations on any remote server. Your mathematical computations, loan figures, tax estimations, and calculation history remain strictly on your personal device.

1. Introduction & Scope

This Privacy Policy describes how VeloCalc ("we", "us", or "our") governs data handling practices across our mobile applications (Android and iOS) and web services. This policy complies with international data protection frameworks, including the Digital Personal Data Protection Act, 2023 (India), the California Consumer Privacy Act / California Privacy Rights Act (United States), the General Data Protection Regulation (European Union & UK), and the Privacy Act 1988 (Australia).

2. Information We Do NOT Collect

Unlike cloud-based or ad-surveillance financial tools, VeloCalc enforces data minimization at the architectural level:

  • No User Account or Identity Credentials: We do not ask for, process, or store your name, email address, physical address, phone number, government ID numbers (e.g., Aadhaar, PAN, SSN, TFN), or passwords.
  • No Bank or Financial Account Information: VeloCalc does not connect to bank accounts, credit cards, UPI handles, or payment gateways. We have zero access to your actual bank balances or transaction histories.
  • No Precise Geolocation: We never request or monitor GPS location data or continuous background positioning.
  • No Biometric or Sensor Data: We do not access fingerprint scanners, facial recognition cameras, microphones, health sensors, or device contacts.
  • No Server-Side Calculation Logging: Every calculation (math expression, Loan EMI, Compound Interest, SIP returns, GST breakdown, Salary, Tax regime comparisons, or Construction estimates) is processed entirely by the deterministic execution engine running within your device's memory.

3. Data Stored Locally on Your Device

The following information is persisted exclusively in your device's private sandboxed app directory (via operating system SharedPreferences or local application storage):

Data Category Storage Purpose User Control
Calculation History Tape Stores past mathematical inputs and computed results (up to 500 records) to enable recall, comparison, and verification. Can be cleared at any time via the "Clear All History" button in Settings.
Application Preferences Persists your chosen theme (Light, Dark, System Default), numbering format (Indian Lakhs/Crores vs International Millions/Billions), and haptic touch feedback toggle. Can be modified or reset at any time in Settings.
Favorite / Pinned Calculators Stores shortcuts to your most frequently used calculation modules. Managed directly from the home navigation dashboard.
Offline Currency Exchange Rates Cached public foreign currency benchmark conversion tables for offline calculation. Automatically refreshed when connected to the internet; contains no user data.

4. PDF Statement Generation & Native Sharing

VeloCalc provides tools to export comprehensive calculation statements (such as Loan Amortization schedules, SIP wealth accumulation reports, and GST summaries) in formatted PDF format:

  • 100% Client-Side Rendering: PDF files are generated entirely on your device using native Flutter document compilation libraries (`package:pdf`). At no point are your inputs transmitted to a remote rendering farm or cloud server.
  • Sandboxed Temporary Cache: Generated PDFs are temporarily written to your operating system's designated app cache directory (`cacheDir`).
  • User-Initiated Native Share Sheet: Sharing is executed strictly via your operating system's native share protocol (Android `ACTION_SEND` / iOS `UIActivityViewController`). You maintain exclusive control over which external app receives the document (e.g., WhatsApp, Email, Google Drive, AirDrop, or local file storage). VeloCalc never shares documents automatically in the background.

5. Device Permissions Requested

VeloCalc requests only the minimum operating system permissions necessary to deliver its core utility features:

  • android.permission.VIBRATE (Normal Permission): Used solely to provide subtle haptic feedback when tapping calculator keys. This can be toggled off at any time in the app's Settings.
  • android.permission.INTERNET: Used exclusively to fetch public benchmark foreign currency exchange rates and, where applicable, to deliver advertising if using the free ad-supported version.
  • android.permission.ACCESS_NETWORK_STATE: Checks whether your device is currently offline or connected to Wi-Fi/cellular networks to gracefully prevent failed network calls.

6. Third-Party Services & Network Calls

VeloCalc maintains a minimal network footprint. When network connections are utilized, the following third-party components may be engaged:

  • Public Currency Exchange Rate Providers: Open-access financial rates are queried to populate the currency conversion utility. These requests contain no personal identifiers, cookies, or device telemetry.
  • Advertising Networks (Free Tier Only): If you use the ad-supported edition of VeloCalc, Google AdMob or Google Mobile Ads SDK may serve ads. Google may process your device's advertising identifier (Google Advertising ID - GAID on Android, or Identifier for Advertisers - IDFA on iOS) and diagnostic data to deliver advertisements compliant with Google's Privacy Policy. In regions governed by GDPR/CPRA, users are provided with consent preference tools (Google UMP / TCF v2.2) to select personalized vs. non-personalized ads or opt out entirely.
Schedule A • India

7. India Specific Disclosures (DPDP Act 2023 & IT Act 2000)

For users residing in the Republic of India, this section satisfies the requirements of the Digital Personal Data Protection Act, 2023 (DPDP Act) and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011:

  • Status: Because VeloCalc processes your calculation data entirely within on-device sandboxed memory without central database ingestion, VeloCalc does not maintain custody of digital personal data. To the extent any diagnostic information is received, VeloCalc acts as a Data Fiduciary.
  • Grounds for Processing: Any minimal processing is grounded on your explicit consent and fulfillment of the voluntary utility services requested by you.
  • Rights of Data Principals: Under the DPDP Act 2023, you have the Right to Access information about your personal data, the Right to Correction and Erasure, the Right of Grievance Redressal, and the Right to Nominate an individual to exercise rights in the event of death or incapacity.
  • Designated Grievance Officer: In accordance with Section 13 of the DPDP Act 2023 and Rule 5(9) of the IT Rules 2011, you may address grievances directly to our designated Grievance Officer:

    Name: Legal & Grievance Redressal Team
    Designation: Data Protection Grievance Officer
    Official Email: [email protected]
    Turnaround Time: Acknowledgment within 48 hours; resolution within 30 days.
Schedule B • United States

8. United States Specific Disclosures (CCPA, CPRA & State Privacy Laws)

This section applies to California residents under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), as well as residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and other US jurisdictions:

  • Categories of Personal Information Collected: We do NOT sell or share your personal information. In the preceding 12 months, we have collected only non-sensitive device telemetry and advertising identifiers (if ads are enabled), strictly for functional app operations.
  • "Do Not Sell or Share My Personal Information": VeloCalc does not sell your personal data or share your data for cross-context behavioral advertising without affirmative consent.
  • Your Rights:
    • Right to Know & Access: You may request disclosure of the specific pieces of information collected.
    • Right to Delete: You can purge all calculation history directly on your device at any time.
    • Right to Correct: You may correct preferences or local records within app settings.
    • Right to Non-Discrimination: We will never deny services, charge different prices, or provide a degraded experience because you exercised privacy rights.
  • California "Shine the Light" Law (Civ. Code § 1798.83): We do not disclose personal information to third parties for their direct marketing purposes.
Schedule C • European Union & United Kingdom

9. European Union & UK Specific Disclosures (GDPR & UK GDPR)

For data subjects within the European Economic Area (EEA), United Kingdom, and Switzerland under Regulation (EU) 2016/679 (GDPR) and the UK Data Protection Act 2018:

  • Data Controller: The developer of VeloCalc operates as the Data Controller for diagnostic and app service settings.
  • Legal Bases for Processing (Article 6 GDPR):
    • Performance of Contract (Art. 6(1)(b)): Executing requested mathematical operations and generating user-instructed PDF exports.
    • Legitimate Interests (Art. 6(1)(f)): Maintaining app stability, preventing crash anomalies, and securing offline caches.
    • Consent (Art. 6(1)(a)): Where applicable for personalized advertisements and cookie/identifier consent via standard IAB TCF dialogs.
  • Your Data Subject Rights (Articles 15–22 GDPR): You have the Right to Access (Art. 15), Rectification (Art. 16), Erasure / "Right to be Forgotten" (Art. 17), Restriction of Processing (Art. 18), Data Portability (Art. 20), and Objection (Art. 21). Furthermore, VeloCalc does not employ automated decision-making or profiling producing legal effects (Art. 22).
  • Supervisory Authority Complaints: You maintain the right to lodge a complaint with your local EU National Data Protection Authority or the UK Information Commissioner's Office (ICO) at ico.org.uk.
Schedule D • Australia

10. Australia Specific Disclosures (Privacy Act 1988)

For users in Australia, this section addresses compliance with the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs):

  • VeloCalc adheres to APP 1 (Open and transparent management of personal information) and APP 3 (Collection of solicited personal information).
  • Because calculations remain strictly on your local device, no overseas transfer of personal calculation data occurs (APP 8).
  • You may access and correct locally stored information at any time within the application interface (APP 12 and APP 13).
  • If you believe we have breached the Australian Privacy Principles, you may contact our Privacy Officer. If dissatisfied with our response, you may escalate to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

11. Children's Privacy (COPPA & GDPR-K)

VeloCalc is a general audience educational, mathematical, and calculation utility suitable for users of all ages. We do not knowingly solicit or collect personal information from children under the age of 13 in the United States (in compliance with COPPA) or under the age of 16 in the European Union (in compliance with GDPR-K). Because zero personal identification data is stored on remote servers, parents and legal guardians can be confident in the application's offline safety.

12. Data Retention & Permanent Deletion

You hold total control over all information generated by your use of VeloCalc:

  • In-App Tape Erasure: Tap the "Clear All History" icon in the calculation history drawer to instantaneously purge all saved records from local device storage.
  • Operating System Wipe: Clearing App Data or Storage in your device's Settings (`Settings > Apps > VeloCalc > Clear Storage`) eradicates all preferences, cached rates, and calculation records.
  • Uninstalling: Uninstalling VeloCalc automatically triggers your operating system's sandbox deletion process, permanently eliminating 100% of stored application data.

13. Contact & Privacy Officer Information

If you have questions, feedback, or legal inquiries regarding this Privacy Policy, please contact our international compliance office:

VeloCalc Global Compliance Office
Support & General Inquiries: [email protected]
India Grievance Officer: [email protected]