Privacy Policy
The short version
This app has no account, no login and no server of its own. It never asks for your name, your national identity number, your bank or mobile-money details, your PIN or a one-time password. Everything you type into the calculators, tick on the checklist or bookmark stays on your phone and is deleted when you uninstall the app.
The one exception is advertising. The app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier in order to serve them. That is described in full below.
1. Because this app is about lending, three things need saying plainly
It takes no loan application. There is no application form anywhere in this app, on any screen. No field asks who you are, what you earn, or who you bank with. Nothing is submitted to any lender, broker, aggregator or affiliate, because there is nothing to submit and nowhere to submit it to.
It collects no applicant data. The figures you enter into a calculator are used to draw a result on your screen. They are stored locally so you do not have to retype them next time. They are never transmitted anywhere.
It requests no sensitive permission. This app does not ask for and cannot access your contacts, SMS messages, call log, photos, media, files, camera, microphone or precise location. It never will. The complete permission list in its manifest is internet access, network state, and the standard advertising identifier declaration that every AdMob app carries.
2. Information we do not collect
We do not ask for, collect, transmit or store any of the following:
- Your name, email address, phone number or postal address
- Your national identity number or any identity document
- Payslips, employment details, employer name or salary date
- Bank account details, mobile-money numbers or card details
- PINs, passwords or one-time passwords
- Contacts, SMS messages, call logs, photos, files or precise location
- Any document, image or file of any kind
The app requests no runtime permissions at all. It has no access to your camera, storage, contacts, microphone or location.
3. Information stored on your device
The following is written to local storage on your phone only. It is never uploaded, never synced, and never visible to us or to anyone else.
| What | Why |
|---|---|
| Calculator inputs you have entered (loan amount, term, income) | So you do not have to retype them between screens and sessions |
| Checklist ticks | So your progress survives closing the app |
| Bookmarked guide chapters and answers | So you can find them again |
| Theme preference and onboarding state | App settings |
| Advert pacing counters and any ad-free window you have earned | To limit how often adverts appear |
You can erase all of it at any time from Settings → Erase everything saved on this phone, or by uninstalling the app.
4. Advertising
This app is free and is paid for by advertising supplied by Google AdMob. To serve adverts, measure them and limit how often you see the same one, the Google Mobile Ads SDK may collect and process:
- Your device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Coarse, IP-derived location (country or region level)
- Advert interaction events, such as an impression or a click
This data is collected by Google, not by us. We never receive it and we cannot link it to you. Google's handling of it is governed by Google's privacy and terms for partner sites and apps.
In the language of the Google Play Data safety form, this means: Device or other IDs → Advertising ID, collected, shared with third parties, used for advertising and analytics. Not linked to your identity. Not used for tracking that we perform. That is the entirety of what leaves your device.
Your choices
- Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any advert is requested. You can change or withdraw that consent at any time from Settings → Ad privacy choices.
- You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads, and opt out of advert personalisation there.
- Adverts never appear on the simulator, on any calculator, or on the settings and disclaimer screens.
5. Network requests
The app makes exactly three kinds of outbound request:
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request contains no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
- Reference links you tap. A small number of informational links — the Reserve Bank of Zimbabwe, Google's advertising privacy notice, and this page — open in your browser. Whatever happens there is governed by that site's own privacy policy. The app contains no link to any loan application, on purpose.
All app traffic uses HTTPS. Cleartext traffic is disabled at the platform level.
6. Children
This app is directed at adults considering or repaying short-term credit, and is not intended for children under 13, nor for anyone under 18. We do not knowingly collect any information from children.
7. Data retention and deletion
Because no personal data leaves your device, there is nothing for us to retain or delete on a server. Local data is removed when you clear it in Settings or uninstall the app. For data held by Google in connection with advertising, use Google's own controls linked above.
8. Your rights
Under Zimbabwe's Data Protection Act and comparable laws elsewhere, you have rights of access, correction, erasure, restriction, objection and portability over personal data held about you. Since this app holds no personal data about you on any server, those rights are satisfied by the on-device controls described above. If you believe otherwise, contact us and we will respond.
9. Accuracy of the content
The guidance, figures and calculators in this app are educational estimates built from publicly documented information about short-term salary-advance lending, collected on 25 August 2026 and labelled as illustrations wherever they appear. They are not a quotation, an offer, a recommendation, or a statement of your actual loan balance, and they are not financial or legal advice. Rates and terms change without notice. Only the agreement you sign with a lender decides what you owe.
10. Changes to this policy
If this policy changes, the updated version will be published at this address with a new date at the top. Material changes will also be noted in the app's release notes.
11. Contact
Questions about this policy or about the app: [email protected]
Questions about an actual loan, application, balance or repayment must go to your own lender. We have no access to any lending system and cannot look anything up.