iOS 免费版的数据边界
iOS 1.1.0（Build 5）不含广告、VIP、订阅、内购或第三方分析 SDK，不收集用户数据、不进行跨 App 追踪，不要求账号或 ATT 授权。贷款输入、结果、档案与偏好在本机处理和保存；只有您主动导出或分享时，文件才交给您选择的系统目标。下方 Android 广告、SDK 和 Google Play Billing 条款仅适用于 Android，不适用于此 iOS 版本。
PRIVACY POLICY
本息计算器隐私政策
更新日期：2026 年 10 月 20 日 · 适用版本：iOS 1.1.0、Android 1.1.1
我们用清楚的语言说明数据如何被处理。
本息计算器由北京北洋锋行商贸有限公司开发和运营。本政策适用于 iOS 1.1.0 与 Android 1.1.1。
本机计算与存储
贷款金额、利率、期限、费用、计算结果、档案、还款事件、体检答案和应用偏好均在设备本地处理与保存，不会上传到我们的服务器。
删除与导出
您可在 App 内删除已保存的档案和事件；卸载 App 可删除其私有存储数据。只有您主动导出或分享时，文件才会交给您选择的系统目标。
Android 广告与同意
Android 免费版在支持的国家或地区使用 Google Mobile Ads 展示冷启动广告和顶部横幅广告，并使用 Google UMP 显示适用的广告同意或隐私选项。应用请求非个性化广告，并关闭发布商第一方 ID。
Android 广告 SDK 数据
Google Mobile Ads SDK 可自动收集并与 Google 共享 IP 地址推断的大致位置、应用及广告互动、诊断信息、App Set ID 及其他可适用标识符，用于广告展示与衡量、分析、防欺诈、安全和合规。数据传输使用 TLS 加密。
Android VIP 订阅
VIP 由 Google Play Billing 处理，仅用于移除启动和横幅广告。Google Play 直接收集付款信息；我们不能访问完整支付卡信息，也不向开发者服务器上传购买令牌。VIP 生效时 App 不请求启动或横幅广告。
权限与第三方服务
App 不要求账号，不申请定位、通讯录、相机、麦克风、照片、存储或通知权限。Android 仅使用网络和网络状态权限，用于 Google 广告、UMP、Google Play Billing 和您主动打开的外部链接。
儿童与重要说明
Android 版面向年满 18 周岁的成年用户，不以儿童为目标受众，不故意收集儿童个人信息。测算结果仅供规划参考，不构成金融、税务、法律建议、贷款申请、审批结果或放贷机构报价；实际条件以合同、金融机构和当地法规为准。
联系我们与政策更新
如对隐私政策有疑问，请发送邮件至 beiyangfx@163.com。如果功能或数据处理方式发生实质变化，我们会更新本页内容和生效日期。
ENGLISH
Principal & Interest Privacy Policy
Updated: October 20, 2026 · iOS 1.1.0 · Android 1.1.1
Principal & Interest is developed and operated by Beijing Beiyang Fengxing Trading Co., Ltd. This policy applies to the iOS and Android versions.
Free iOS release
The iOS 1.1.0 (Build 5) app collects no user data and contains no advertising, VIP membership, subscriptions, in-app purchases, or third-party analytics SDK. It does not track across apps or require an account or ATT permission. Inputs, results, profiles, and preferences stay on device; a file leaves only when you choose to export or share it. The Android advertising, SDK, and Google Play Billing disclosures below apply only to Android, not to this iOS release.
On-device data
Loan inputs, results, profiles, repayment events, checkup answers, and preferences are processed and stored locally. They are not uploaded to our servers. Delete records in the app or uninstall the app to remove its private local data.
Android ads and consent
In supported regions, the free Android version uses Google Mobile Ads for one cold-start app-open ad and a top banner, and Google UMP for applicable consent and privacy choices. The app requests non-personalized ads and disables the publisher first-party ID.
Android advertising SDK data
Google Mobile Ads may automatically collect and share with Google an IP-derived approximate location, app and ad interactions, diagnostics, App Set ID, and other applicable identifiers for advertising, measurement, analytics, fraud prevention, security, and compliance. Data is encrypted in transit with TLS.
Android VIP
Google Play Billing processes the optional monthly or yearly VIP subscription, which only removes both ads. Google Play collects payment details directly. We do not receive full card information, operate a purchase server, or upload purchase tokens to our servers. Ads are not requested while VIP is active.
Permissions and services
No account is required. The app requests no location, contacts, camera, microphone, photos, storage, or notification permission. Android uses only internet and network-state permissions for Google Ads, UMP, Play Billing, and links that you choose to open.
Export and deletion
A file leaves the app only when you explicitly export or share it to a system destination you choose. The services used on Android are Google Mobile Ads, UMP, and Google Play Billing.
Children and important notice
The Android version is intended only for adults aged 18 or older and is not directed to children. Results are planning estimates, not financial, tax, or legal advice, a loan application, an approval decision, or a lender quotation. Actual terms depend on your contract, provider, and local law.
Contact and updates
For privacy questions, email beiyangfx@163.com. We will update this page and its effective date if functionality or data handling changes materially.