Mortgage Buddy Privacy Policy

Effective date: 13 October 2026

Mortgage Buddy (“the app”) is an offline mortgage payment calculator. This policy explains how the app handles information. In short: unless you choose to create an account, the app does not collect or transmit any personal data. We never sell or share your data, show ads, or track you.

Information we collect

Without an account: none. The app has no advertising, no analytics, no crash reporting, and no tracking. It does not access your location, contacts, camera, photos, microphone, or any other device data.

With an optional account: only what is needed to back up and restore your details, described below.

Optional account and cloud backup

You can choose to sign in so your mortgage details are backed up and can be restored on another device. The app works fully without an account.

Sign-in details: your email address and password are handled by Microsoft Entra External ID, the sign-in service we use. We never see your password.
Your profile: your name and country, and, only if you choose to add them, your date of birth and phone number. You can view and change these at any time in the app (menu ☰ → Account → My profile).
Your backup: the details you enter in the app (such as home price, deposit, interest rate, term, extra and one-off payments, interest-only periods and currency), stored with a random account identifier.
Why: to run your account, back up and restore your details on your devices, and contact you about your account if needed (for example, about a problem with your backup or a change to this policy). They are not used for marketing, advertising, profiling or credit decisions, and are never sold or shared.
Where: Microsoft Azure data centres in Australia (Australia East). Microsoft acts as our service provider.
Security: data is encrypted in transit (HTTPS) and at rest. Each request must carry your signed-in token, and the server only ever reads or writes the backup belonging to that account.
How long: until you delete your account. Short-lived service logs (kept up to 30 days) record technical errors only, not your details or IP address.
Deleting your account: in the app, open the menu (☰) → Account → Delete account. This permanently deletes your profile, your backup and your sign-in account. The details on your phone stay until you reset or uninstall the app. You can also ask us to delete your account by email (see how to delete your account).

Information stored on your device

The numbers you enter (such as home price, interest rate, and loan term) and your currency preference are saved locally on your device so they are still there the next time you open the app. Unless you sign in to the optional backup, this information never leaves your device and is excluded from device cloud backups. You can delete it at any time by tapping “Reset to defaults” in the app or by uninstalling the app.

Contacting the developer

The app’s menu has buttons to request a feature or report a bug. These open your own email app with a pre-filled message, including the app version and your device’s operating system (for example “Android 15”), which you can edit or remove before sending. Nothing is sent unless you choose to send the email. If you do, your email address and message are used only to reply to you and to improve the app, and are never sold or shared.

Network access

The app works offline. When your device is online, the app occasionally downloads a small public file from our server to check whether a newer version is available or required. This request contains no personal information, account, or identifier, and we do not store IP addresses. Unless you use the optional backup, nothing you enter in the app is sent.

Your rights (including UK and EU/Ireland)

This section explains how we handle personal data under the UK General Data Protection Regulation (UK GDPR), the EU General Data Protection Regulation (GDPR, which applies in Ireland), and similar laws such as the Australian Privacy Act.

Who is responsible for your data

The data controller is SHIRIPAT (a registered business name in Australia), the developer of Mortgage Buddy. Contact: shiripat06@gmail.com.

Why we use your data, and our legal basis

What	Why	Legal basis
Email address, sign-in account, name, country, account ID	To create and run your optional account	Performance of a contract: providing the account you asked for
Your backup (the mortgage details you enter)	To back up your details and restore them on your devices	Performance of a contract
Date of birth and phone number	Only if you choose to add them to your profile	Your consent, which you can withdraw at any time by removing them in My profile
Your email address	To contact you about your account, for example a problem with your backup or a change to this policy (never marketing)	Performance of a contract and our legitimate interest in running the service
Technical error logs and the update check	To keep the service secure and working, and to tell you when an app update is needed	Our legitimate interests. IP addresses are not stored.

We do not use your data for advertising, profiling or automated decisions that have legal or similarly significant effects on you, and we never sell or share it.

How long we keep it

Account, profile and backup: until you delete your account.
Technical error logs: up to 30 days.
Encrypted service backups: automatically overwritten within 7 days of deletion.

Who processes your data

Microsoft processes data on our behalf as our service provider (Microsoft Azure hosting and Microsoft Entra External ID sign-in), under its Data Protection Addendum. No other third party receives your data. Google Play and the Apple App Store process app downloads under their own privacy policies.

International transfers

Your account data is stored in Microsoft Azure data centres in Australia. Australia does not have a UK or EU “adequacy” decision, so these transfers are protected by the European Commission’s Standard Contractual Clauses and the UK International Data Transfer Addendum, which are part of Microsoft’s Data Protection Addendum, together with encryption in transit and at rest.

Your rights

You have the right to:

Access your data and get a copy of it. Email us; you can also see your details in the app.
Correct it, in the app (menu ☰ → Account → My profile), or by email.
Delete it, in the app (menu ☰ → Account → Delete account), or see how to delete your account.
Data portability: receive your profile and backup in a machine-readable format (JSON).
Restrict or object to our processing, including processing based on legitimate interests.
Withdraw consent at any time, for example by removing your date of birth or phone number. This doesn’t affect processing before you withdrew it.

To use any of these rights, email shiripat06@gmail.com from the address you signed in with. We will reply within one month. We may ask you to confirm your identity first. There is no charge.

Complaints

Please contact us first so we can help. You also have the right to complain to a data protection authority:

United Kingdom: Information Commissioner’s Office (ICO), ico.org.uk
Ireland: Data Protection Commission (DPC), dataprotection.ie
Other EU countries: your local data protection authority
Australia: Office of the Australian Information Commissioner (OAIC), oaic.gov.au

Children’s privacy

Mortgage Buddy is intended for adults aged 18 and over. Accounts are not intended for children, and the profile requires a date of birth showing you are at least 18 if you add one. If you believe a child has created an account, contact us and we will delete it.

Financial disclaimer

Results are estimates for informational and educational purposes only and are not financial, legal, or tax advice, nor an offer to lend.

Changes to this policy

If this policy changes, the updated version will be posted at this address with a new effective date.

Contact

Questions about this policy, feature requests, or bug reports: shiripat06@gmail.com