本机计算
金额、利率、期限、实际到账、日期化费用与还款计划均在设备本机计算，不会由 App 自动传送给我们或第三方。
PRIVACY POLICY
本息计算器隐私政策
更新日期：2026 年 9 月 19 日 · 适用版本：1.1.0
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。本政策适用于当前准备通过 Apple App Store 发布的 iOS 版本。
本地存储
偏好保存在 UserDefaults；贷款档案、费用、清单答案与还款事件保存在 App 沙盒内的本地 JSON 文件。
不收集用户数据
当前版本无账号、无广告、无订阅、无第三方分析 SDK，不收集贷款输入、档案、设备标识、位置或行为数据。
权限
当前版本不请求定位、相机、麦克风、联系人或 ATT 跨 App 跟踪权限。
导出与删除
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。可在 App 内删除档案；删除 App 会清除其本地沙盒数据。
儿童与重要说明
本 App 不以收集儿童个人信息为目的。未成年人应在监护人指导下使用。测算结果仅供规划参考，不构成金融、税务、法律建议或贷款机构报价；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
Effective: September 19, 2026 · Applicable version: 1.1.0
Principal & Interest is developed and operated by 北京北洋锋行商贸有限公司. This policy applies to the current iOS version prepared for distribution through the Apple App Store.
On-device calculations
Amounts, rates, terms, actual proceeds, dated fees, and repayment schedules are calculated on your device and are not automatically transmitted to us or any third party.
Local storage
Preferences use UserDefaults. Loan profiles, fees, checklist answers, and repayment events use a local JSON file inside the app sandbox.
No user-data collection
The current version has no account, advertising, subscription, or third-party analytics SDK. It does not collect loan inputs, profiles, device identifiers, location, or behavior data.
Permissions
The current version requests no location, camera, microphone, contacts, or ATT cross-app tracking permission.
Export and deletion
A file leaves the app only when you explicitly export or share it to a system destination you choose. Delete profiles in the app or delete the app to remove its local sandbox data.
Children and important notice
The app is not designed to collect children's personal information. Minors should use it with guidance from a guardian. Results are planning estimates, not financial, tax, or legal advice 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.