Last updated: March 2026 · Effective immediately
RJ App Studio ("we", "our", "us") built Financial Calculator as a free utility app. This page explains what information is handled when you use the app and who handles it.
The app is free and supported by advertising through Google AdMob. AdMob's SDK collects certain device and usage information to serve ads. All financial values you enter are processed entirely on your device and are never collected or transmitted by us or any advertiser.
There are two distinct data flows in this app:
Data collected by RJ App Studio — None. We have no servers, no analytics, and no database. We do not receive any information from your device.
Data collected by Google AdMob (third party). As part of displaying advertisements, AdMob may automatically collect:
Ads are served by Google AdMob. The following ad formats appear in the app:
AdMob may use the collected data to show personalised or contextual ads. Google's handling of this data is governed by its own privacy policy:
To opt out of personalised ads on Android: Go to Settings → Google → Ads → Delete advertising ID (Android 12+), or toggle "Opt out of Ads Personalisation" on Android 11 and below. You will still see ads but they will not be targeted based on your interests.
Every value you enter — loan amounts, income, interest rates, investment figures, or any other number — is processed entirely on your device using local arithmetic. This data is:
Your financial data is completely private. The ad network has no visibility into what you calculate.
Financial Calculator requests only the permissions necessary to display ads. No sensitive device resources are accessed.
| Permission | Purpose |
| INTERNET | Required by Google AdMob to fetch and display ads. |
| ACCESS_NETWORK_STATE | Allows AdMob to check connectivity before loading an ad. |
| No other permissions | Camera, microphone, contacts, location, and file storage are not requested. |
Financial Calculator is a general-purpose utility intended for users aged 13 and above. It is not directed at children under 13.
We do not knowingly collect personal information from children. Google AdMob is configured to serve general-audience ads in this app, not interest-based ads targeted at children.
If you are a parent or guardian and believe your child under 13 is using this app, please contact us and we will ensure appropriate measures are taken in line with COPPA and applicable Indian laws.
You have the following controls over ad-related data:
We may update this privacy policy from time to time — for example, if we add a new ad format or change the ad network. When we do, the "Last updated" date at the top of this page will be revised.
For significant changes such as adding a new data-collecting SDK, we will provide advance notice via Play Store release notes before the update goes live.
For any questions or concerns about this privacy policy:
Email: officialrjappstudio@gmail.com
We aim to respond to all enquiries within 48 hours.