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Privacy Policy for SIPKar

Effective Date: 19 January 2026
Developer: Laugh Logic Labs
Contact Email: info@laughlogiclabs.com

SIPKar is an educational and financial planning application.

1. Purpose of the Application

SIPKar is built only for educational, learning, and financial planning purposes.

The App provides calculators such as SIP, Lumpsum, SWP, and Delayed SIP.
The App does not provide investment advice, financial recommendations, stock tips, or guidance to buy, sell, or hold any financial product.
All results are illustrative estimates based purely on user inputs and standard mathematical formulas.
SIPKar is not a financial advisor, broker, or investment platform.

Users are advised to consult a certified financial professional before making any investment decisions.

2. Information We Collect

SIPKar does not collect, store, or transmit any personal or user information.

This includes, but is not limited to:

Name, email address, or phone number
Financial information (bank details, PAN, Aadhaar, account numbers)
Location data
Device identifiers or analytics
Calculator inputs or results

All calculations are performed locally on the user’s device.

3. Advertisements

SIPKar displays advertisements to support ongoing development and future feature improvements.

Advertisements are served by third-party ad providers such as Google AdMob.
SIPKar itself does not collect or access any data collected by ad providers.
Ad providers may collect limited non-personal data (such as Advertising ID, IP address, or ad interaction data) in accordance with their own privacy policies.

More information about Google’s advertising practices can be found at:
https://policies.google.com/technologies/ads

4. Local Processing Only

Users enter calculator values and tap the Calculate button.
Results are generated instantly on the device.
No data is saved, uploaded, or synced to any server.
Uninstalling the App removes all locally stored app data automatically.

5. Server & Network Usage

SIPKar does not require user accounts or login.
SIPKar does not store any user data on servers.
Internet access is used only to load advertisements.
All external communication uses HTTPS encryption.

6. Permissions

SIPKar may request the following permission:

Internet Access: Required to load advertisements.

The App does not request access to:

Contacts
Camera or microphone
Location services (GPS or network-based)
SMS or call logs
Storage or financial data

SIPKar does not share any user data with third parties.
No personal or financial information is collected by the App.
Any data collected by advertising providers is governed by their respective privacy policies.

8. Data Retention

SIPKar does not retain any user data.
Calculator inputs and results are not stored.
Ad-related data retention is managed solely by the ad provider.

9. Security

All external communication is protected using HTTPS encryption.
No sensitive or personal data is stored or transmitted by SIPKar.
Industry-standard security practices are followed.

10. Children’s Privacy

SIPKar is not intended for children under the age of 13.
We do not knowingly collect any data from children.
Any ad-related data is handled by the ad provider under their child privacy policies.

11. Disclaimer

SIPKar is for educational and planning purposes only.
The App does not guarantee accuracy, returns, or financial outcomes.
The developer is not responsible for decisions made based on the App’s calculations.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected by updating the Effective Date above. Continued use of the App indicates acceptance of the updated policy.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Email: info@laughlogiclabs.com

14. Google Play Data Safety Declaration

For Google Play Data Safety purposes, SIPKar declares:

Data collection: No
Data sharing: No
Third-party data collection: Yes (Advertisements only)
Purpose: Advertising
Encryption in transit: Yes