Privacy Policy for Qelvero – Finance Calculator

Qelvero – Finance Calculator (“Qelvero”, “we”, “our”, or “the app”) is a financial calculator application designed to help users perform common loan, investment, tax, business, and general financial calculations.

This Privacy Policy explains how information may be handled when you use Qelvero.

1. Information You Enter

Qelvero allows you to enter information such as:

• Loan amounts, interest rates, and loan tenure
• Investment amounts and investment return assumptions
• GST amounts and tax rates
• Tax-related inputs and deductions
• Other numeric values required by the respective calculators

The core calculations are performed directly on your device.

Qelvero does not require you to create an account or register an email address to use its calculator features.

2. Financial Information

Qelvero is designed so that the financial values you enter for calculations are processed locally on your device for the app's core calculator functionality.

Qelvero does not operate a banking, lending, investment, brokerage, or financial-account aggregation service.

Do not enter sensitive personal identification numbers or bank account credentials that are not necessary for performing a calculation.

3. Calculation History and Favorites

Qelvero may store calculation history and favorites locally on your device to provide features such as:

• Recently used calculations
• Saved / favorite calculators
• Reopening previous calculation results

This information is intended to remain solely on your device and is not uploaded by Qelvero to any external server. You can delete locally stored history at any time using the controls provided directly within the app.

4. Advertising

Qelvero uses Google AdMob to display advertisements to support ongoing development.

Google and its advertising partners may process information such as device or advertising identifiers, device information, app information, diagnostic information, and advertising interaction data as part of providing, measuring, protecting, and improving advertising services.

The exact information handled may depend on your device, geographic location, consent choices, and the advertising configuration available to you. For more information, please see:

Google Advertising & Privacy Information →

5. Consent and Advertising Privacy Choices

Where required by applicable law (such as the GDPR in the European Economic Area / UK) or Google's advertising policies, Qelvero uses Google's consent-management technology (User Messaging Platform / UMP) to obtain and manage advertising privacy choices.

Depending on your location and applicable requirements, you may be presented with a consent or privacy choices dialogue upon launching the application.

You can also update or revoke your advertising privacy choices at any time from within Qelvero via:

6. Third-Party Services

Qelvero uses Google services related to advertising, including Google AdMob and Google's consent-management platform. These services are operated by Google and may process information according to Google's own privacy policies:

• Google Privacy Policy
• Google Advertising Policies and Technologies

7. Analytics

Qelvero does not currently use Google Analytics for Firebase or any separate third-party analytics platform to collect usage telemetry. If additional analytics or telemetry services are introduced in future releases, this Privacy Policy will be updated accordingly.

8. Internet and Network Access

Core financial calculations work entirely locally on your phone and do not require internet access or a remote server. Internet connectivity is utilized solely by Google AdMob and Google consent services to fetch and render advertisements and process privacy preferences.

Lack of internet connectivity does not prevent the core calculator tools from functioning properly.

9. Data Security

Qelvero is built upon a privacy-by-design approach that minimizes the amount of information processed. Because calculation data is executed locally on-device, your sensitive financial numbers are never transmitted over the internet to Stravonex.

Information processed by third-party advertising services (Google) is secured according to Google's industry-standard encryption and security protocols.

10. Data Retention, Account Deletion & Data Deletion Requests

Qelvero does not maintain a user account database, registration profile, or cloud storage server.

• Local Data Deletion: You can clear all locally stored history and saved calculators immediately by using the in-app history clear button, clearing the app's storage via Android Settings → Apps → Qelvero → Clear Data, or by uninstalling the app.
• Data Deletion Requests (Google Play Data Safety Compliance): Because we do not collect, store, or associate user identities or financial calculations on remote servers, there is no remote user data to delete. If you have any inquiries regarding third-party advertising identifiers or wish to submit a data inquiry, contact us at [email protected].

11. Children's Privacy

Qelvero is a general-purpose financial calculator intended for adult financial planning and is not specifically directed at children under the age of 13. We do not knowingly collect personal information from children.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect modifications in application features, regulatory updates, or third-party service provider terms. Any changes will be published directly on this page with a revised "Last updated" date.

13. Developer Contact

For any privacy-related questions, feedback, or compliance inquiries concerning Qelvero, please contact the developer: