Privacy Policy - Sukanya Samriddhi Calculator

Privacy Policy - Sukanya Samriddhi Calculator & Planner

Privacy Policy

Last Updated: September 2026

This Privacy Policy applies to the Sukanya Samriddhi Calculator & Planner mobile application (hereinafter referred to as "the App", "we", "our", or "us"). We are committed to protecting your privacy and ensuring transparency regarding how your data is handled.

⚠️ Statutory Disclaimer (Non-Affiliation Notice)

Sukanya Samriddhi Calculator & Planner is NOT an official application of India Post, the Department of Posts, the Reserve Bank of India (RBI), or the Government of India. The App does not represent any government entity. It is an independent financial calculation, estimation, and planning utility built solely for informational and educational purposes.

🏛️ Official Sources of Government Information

All rules, sovereign interest rates (e.g., 8.2% p.a.), tax exemptions (Section 80C), deposit limits, and downloadable forms referenced in this App are derived from publicly available government websites:

1. Information Collection and Storage

We believe in an offline-first and privacy-by-design architecture:

  • Financial & Calculation Data: All daughter profile names, dates of birth, monthly/yearly deposit amounts, saved calculation plans, and transaction notes are stored locally on your device using encrypted local storage (SharedPreferences / Room Database).
  • No Financial Transaction Uploads: We do not collect, transmit, or store bank account numbers, passwords, OTPs, or government identity cards on our remote servers.

2. Authentication and Account Data (Optional)

If you choose to use the optional cloud backup feature (via Firebase Authentication / Google Sign-In):

  • We collect your registered email address and basic profile name provided by Google Sign-In strictly to identify your account and sync your saved planner preferences across your devices.
  • Authentication data is securely managed by Google Firebase following industry-standard encryption protocols.

3. Device Permissions

The App requests minimal permissions strictly necessary for its features:

  • Storage / Media Access (PDF/Excel Export): Required only when you explicitly choose to export or save 21-year schedule reports (PDF / Excel spreadsheet) to your device storage.
  • Notification Permission: Required only to deliver local calendar reminders for annual deposit due dates (e.g., March 31st financial year closing).
  • Internet Access: Required to check updated quarterly sovereign interest rates, download official NSI forms, and handle optional account sign-in.

4. Third-Party Services

The App may utilize trusted third-party SDKs to provide essential app services:

  • Google Play Services / Firebase: For user authentication, app stability analysis, and performance monitoring.

5. Children's Privacy

While this application is designed for parents and legal guardians to plan savings for their minor daughters, the App itself is intended for use by adults (parents/guardians). We do not knowingly collect personal identifiable information directly from children under 13.

6. Data Security and User Rights

  • Data Deletion: You can wipe all stored records at any time directly through the app settings by selecting "Clear All Data" or by uninstalling the application.
  • Export Data: You have full rights to export your calculation records at any time as PDF or Excel files.

7. Changes to This Privacy Policy

We may update our Privacy Policy periodically to reflect app updates or regulatory requirements. Any changes will be posted on this page with an updated revision date.

8. Contact Us

If you have any questions, feedback, or concerns regarding this Privacy Policy or the practices of this App, please contact us at:

© 2026 Sukanya Samriddhi Calculator & Planner. All Rights Reserved.

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