The calculators run entirely on your device — no accounts, no sign-in, and we (NoteHarbor) never collect your calculations or personal information. The one exception is ads in the free version of the mobile app: it shows banner ads through Google AdMob, which uses your device’s advertising identifier to serve and measure them. Buying Calculator Pro removes those ads. The web version of the calculator shows no ads at all and has nothing to purchase.

Nothing by us. The calculator has no backend and no login, and everything you type — loan amounts, rates, payments — is used only to compute results on your device and is never sent to us or anyone else. The only data leaving your device is what Google AdMob collects to show ads in the free version of the mobile app (see “Ads” below).

Your theme preference (Simple / Light / Dark) is saved locally on your device so the app remembers it. This never leaves your device.

The free version of the mobile app shows banner ads via Google AdMob. To serve and measure ads, AdMob may collect your device’s advertising identifier and standard device/usage data, under Google’s own privacy policy. We do not receive that data. Purchasing Calculator Pro removes ads entirely — after that the app makes no ad requests. The calculator on the web never loads the ad SDK and makes no ad requests at all.

On iPhone and iPad, the app asks your permission (Apple’s App Tracking Transparency prompt) before using your advertising identifier for personalized ads. You can decline and still use every feature — the ads simply become non-personalized. You can change this any time in iOS Settings → Privacy & Security → Tracking.

This section applies to the mobile app; the web version of the calculator has no purchases at all. In the mobile app, Calculator Pro is a one-time in-app purchase handled by the app store (Google Play or the App Store). The store processes your payment — we never see your card or payment details. Pro is tied to your store account, so you can restore it on your other devices.

To deliver improvements without a full reinstall, the mobile app may contact Expo’s update service (expo.dev) to check for and download updates. That request includes only your app and runtime version — never personal information.

The calculator links to usenoteharbor.com. If you follow those links, the destination site’s own privacy policy applies.

The app is a general-audience calculator. It is not directed at children and collects no information from anyone.

Google Play and the App Store may collect their own download and crash statistics under their own policies. We do not receive personal data from them.

We may update this policy; the date above reflects the latest version. Questions? Email cody@macdoesrei.com.