We are committed to protecting your privacy. This Privacy Policy explains what information is collected, how it is used, and your rights regarding that information when you use our iOS application.
By using the application, you agree to the practices described in this policy. If you do not agree, please discontinue use of the application.
2.1 Information You Provide
The application allows you to enter financial inputs such as estimated income, credit utilization, payment history, and loan details for the purpose of generating educational credit score estimates. This information is entered voluntarily and is stored only on your device.
2.2 Automatically Collected Information
We use third-party services that may automatically collect certain technical information, including:
2.3 Information We Do NOT Collect
All data you enter — including score history, budget entries, quiz scores, calculator inputs, and preferences — is stored exclusively on your device using Apple's local storage (UserDefaults). This data is:
The application integrates the following third-party SDKs, each governed by their own privacy policies:
5.1 Firebase Analytics (Google LLC)
Used to collect anonymized usage analytics such as screen views and feature interactions.
5.2 Firebase Crashlytics (Google LLC)
Used to collect crash reports and diagnostic information to help identify and fix technical issues.
5.3 Google Mobile Ads — AdMob (Google LLC)
Used to display advertisements within the application. AdMob may use your advertising identifier (IDFA) to serve personalized ads, subject to your device's App Tracking Transparency settings.
We do not control the data practices of these third-party services. We encourage you to review their respective privacy policies.
On iOS 14.5 and later, we comply with Apple's App Tracking Transparency (ATT) framework. You may choose to allow or deny tracking when prompted. Denying tracking will result in non-personalized ads being shown instead.
You can change your tracking preference at any time in your device Settings under Privacy & Security → Tracking.
The application is intended for users aged 17 and older. It is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information through the application, please contact us immediately and we will take steps to delete such information.
Since all user-entered data is stored locally on your device, you have full control over its retention. You may delete all locally stored data at any time via Settings → Reset Local Data within the application, or by uninstalling the application.
Anonymized analytics and crash data collected by Firebase and AdMob are retained according to Google's data retention policies.
Depending on your jurisdiction, you may have the following rights regarding your data:
For requests related to data held by third-party services (Firebase, AdMob), please contact those services directly.
We take reasonable measures to protect the information within the application. Since all user data is stored locally on your device, the security of that data is also dependent on your device's security settings (e.g., passcode, Face ID, Touch ID). We recommend keeping your device and iOS version up to date.
The application may contain links to external websites or resources for educational purposes. We are not responsible for the privacy practices or content of those external sites.
We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the application after changes are posted constitutes your acceptance of the updated policy.
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:
Email: [email protected]