Privacy Policy

Last updated: Dec. 24, 2025

Overview

This Privacy Policy explains how this application (“the App”) handles user information.
Your privacy is important to us, and we are committed to transparency.

Information Collection and Use

The App does not collect, store, transmit, or share any personal or financial information.

All data entered into the App—including credit card balances, interest rates, payment amounts, or other financial details—is:

• Entered voluntarily by the user

• Used only locally on the device for calculation purposes

• Never transmitted off the device

• Never stored on external servers

Once the App is closed, all calculations remain only as long as the App session or device storage allows, depending on the operating system.

No Analytics or Tracking

The App does not use:

• Analytics tools

• Advertising SDKs

• Tracking technologies

• Cookies

• Third-party data processors

Third-Party Services

The App does not integrate with any third-party services that collect user data.

Children’s Privacy

This App does not knowingly collect any personal information from children under the age of 13.
Because no data is collected at all, there is no risk of accidental data collection from minors.

Financial Disclaimer

The App provides estimates only based on the information entered by the user.
All calculations assume:

• No new spending

• A snapshot in time

• Rounded dollar values for display clarity

Actual credit card terms, promotional rates, fees, and payoff outcomes may vary.
Users should always review the official terms provided by their credit card issuer.

Changes to This Privacy Policy

If the App’s functionality changes in a way that affects data handling, this Privacy Policy will be updated accordingly.
Any changes will be reflected with an updated “Last updated” date.

Contact

If you have questions about this Privacy Policy, you may contact the developer at:

Email: info@w859.com