Privacy Policy

Last Updated:

Your privacy is important to us. This Privacy Policy explains how Motor Car Insurance Calculator ("we," "our," or "us") collects, uses, stores, and protects your information when you use our mobile application (the "App").

1. Introduction

Motor Car Insurance Calculator is committed to protecting your privacy and the privacy of your data. This Privacy Policy describes our practices regarding the collection, use, and disclosure of information when you use the Motor Car Insurance Calculator mobile application. By using the App, you agree to the collection and use of information in accordance with this policy.

Important: Motor Car Insurance Calculator is designed with privacy in mind. The majority of your data is stored locally on your device and is not transmitted to our servers or third parties without your explicit consent.

2. Information We Collect

2.1 Information You Provide

The App allows you to create and store the following information locally on your device:

Agent Profile Information: Name, contact details, company information, and other profile details you choose to enter
Client Quotes: Client names, vehicle information, insurance details, premium calculations, notes, and follow-up information
Calculation Data: Vehicle details, policy information, and calculation parameters you enter
Analytics Data: Business metrics, conversion rates, and reports generated by the App
Reminder Data: Follow-up dates and policy expiry dates you set

All of this information is stored locally on your device and is not automatically transmitted to us or any third parties.

2.2 Automatically Collected Information

The App may automatically collect certain information through third-party services:

Device Information: Device type, operating system version, device identifiers, and technical specifications
Usage Information: App usage patterns, features accessed, crash reports, and performance metrics
Analytics Data: Aggregated, anonymized usage statistics to help us improve the App

This information is collected through Firebase services (described in Section 4) and is used solely for improving the App's functionality and user experience.

2.3 Information We Do Not Collect

We do not intentionally collect:

Personal identification information (unless you choose to include it in your profile or quotes)
Financial information or payment details
Location data or GPS information
Contacts or address book information
Photos or media files (unless you explicitly choose to attach them)

3. Local Data Storage

The Motor Car Insurance Calculator App stores your data locally on your device using secure local storage mechanisms. This means:

Your quotes, client information, and profile data remain on your device
We do not have access to your locally stored data
Your data is not automatically synchronized to cloud servers
You have full control over your data

3.1 Data Storage Locations

Data is stored in the following locations on your device:

Shared Preferences: App settings and configuration data
Local File System: Quote data, exports, and PDF files in the App's private directory

These storage locations are private to the App and are not accessible by other apps without your explicit permission.

3.2 Data Retention

Your data is retained on your device for as long as:

You keep the App installed
You do not explicitly delete the data through the App's settings or uninstall the App

Important: If you uninstall the App, all locally stored data will be deleted from your device. We recommend exporting your data before uninstalling if you wish to preserve it.

4. Third-Party Services

4.1 Firebase Services

The App uses Google Firebase services for certain functionality:

Firebase Analytics: Collects anonymized usage statistics and app performance metrics to help us understand how the App is used and improve its functionality
Firebase Crashlytics: Collects crash reports and error logs to help us identify and fix bugs and improve app stability
Firebase Cloud Messaging: Enables push notifications (if you enable this feature) for updates and reminders

Information collected by Firebase services is subject to Google's Privacy Policy. You can review Google's Privacy Policy at: https://policies.google.com/privacy

The data collected by Firebase is:

Anonymized and aggregated
Used solely for app improvement purposes
Not linked to your personal identity
Not used for advertising purposes

4.2 Other Third-Party Services

The App may use other third-party services for specific features:

PDF Generation Libraries: Used to generate PDF documents locally on your device
File System Services: Used to manage file storage and access on your device

These services operate locally on your device and do not transmit your data to external servers.

5. How We Use Your Information

We use the information we collect for the following purposes:

App Functionality: To provide and maintain the App's features, including premium calculations, quote management, PDF generation, and analytics
Improvement and Development: To analyze usage patterns and crash reports to improve the App's performance, fix bugs, and develop new features
Notifications: To send you push notifications for reminders and updates (if you enable this feature)
Support: To provide customer support and respond to your inquiries

We do not use your information for:

Advertising or marketing purposes
Sharing with third parties for commercial purposes
Creating user profiles for advertising
Tracking your activities across other apps or websites

6. Data Sharing and Disclosure

6.1 We Do Not Sell Your Data

We do not sell, rent, or trade your personal information or locally stored data to third parties. Your data remains private and under your control.

6.2 Limited Sharing

We may share information only in the following limited circumstances:

With Your Consent: If you explicitly choose to share data through the App's export or sharing features (e.g., sharing PDFs via email or messaging apps)
Service Providers: With trusted third-party service providers (such as Firebase) who assist in operating the App, subject to strict confidentiality obligations
Legal Requirements: If required by law, regulation, legal process, or governmental request
Protection of Rights: To protect our rights, privacy, safety, or property, or that of our users or others

6.3 Data You Share

When you use the App's features to export or share data (such as exporting quotes or sharing PDFs), you are responsible for:

Ensuring you have the right to share the information
Complying with applicable data protection laws
Protecting the privacy of your clients and contacts
Understanding how recipients will use the shared information

7. Data Security

We implement appropriate technical and organizational measures to protect your information:

Local Storage Security: Data is stored in the App's private directory, which is protected by the operating system's security mechanisms
No Server Transmission: Your locally stored data is not transmitted to our servers
Secure Data Handling: We follow industry best practices for secure data handling and storage

However, please be aware that:

No method of transmission over the internet or electronic storage is 100% secure
You are responsible for securing your device with appropriate locks, passwords, or biometric authentication
You should keep your device's operating system and the App updated to the latest versions
You should regularly back up your data to protect against device loss or damage

8. Your Rights and Choices

8.1 Access and Control

You have the following rights regarding your data:

Access: You can access all your data through the App's interface
Modification: You can edit, update, or delete your data at any time through the App
Export: You can export your data in JSON or CSV format using the App's export feature
Deletion: You can delete individual quotes, your profile, or all data through the App's settings
Uninstallation: You can uninstall the App at any time, which will remove all locally stored data

8.2 Notification Preferences

You can control notifications through:

The App's notification settings
Your device's system settings for the App

You can disable push notifications at any time, though this may affect the App's reminder functionality.

8.3 Analytics and Crash Reporting

While we use Firebase Analytics and Crashlytics to improve the App, these services collect anonymized data. Currently, the App does not provide an in-app option to disable these services, as they are essential for app stability and improvement. However, you can contact us if you have concerns about data collection.

9. Data Export and Backup

The App provides features to export your data:

Export to JSON/CSV: You can export all your quotes and data to files that you can store securely
Import Data: You can import previously exported data back into the App
PDF Generation: You can generate PDF documents containing quote information

It is your responsibility to:

Regularly back up your data to protect against data loss
Securely store exported files
Comply with data protection laws when storing or sharing exported data

10. Children's Privacy

Motor Car Insurance Calculator is not intended for use by children under the age of 13 (or the applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete such information promptly.

11. International Data Transfers

Since most of your data is stored locally on your device, there is minimal data transfer. However, anonymized analytics and crash report data collected by Firebase services may be processed in servers located in different countries, including the United States. This data is subject to Google's Privacy Policy and data processing practices.

By using the App, you consent to the transfer of anonymized analytics and crash report data to servers that may be located outside your country of residence.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other reasons. We will notify you of any material changes by:

Posting the new Privacy Policy in the App or on our website
Updating the "Last Updated" date at the top of this Privacy Policy
Sending you a notification through the App (if applicable)

Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of the updated policy. We encourage you to review this Privacy Policy periodically.

13. Compliance with Data Protection Laws

We strive to comply with applicable data protection laws, including:

General Data Protection Regulation (GDPR) for users in the European Union
California Consumer Privacy Act (CCPA) for users in California
Other applicable local data protection laws

However, please note that:

The App stores data locally on your device, which means you are responsible for ensuring compliance with data protection laws in your jurisdiction
If you store client personal information in the App, you are responsible for complying with applicable data protection laws regarding such information
When you export or share data, you are responsible for ensuring such actions comply with applicable laws

14. Data Processing in Your Role as Insurance Agent

If you use the App to store client information and quotes, please be aware that:

You are acting as a data controller for your clients' personal information
You are responsible for ensuring that your use of the App complies with all applicable data protection laws
You should obtain appropriate consent from your clients before storing their information in the App
You should implement appropriate security measures to protect client data stored in the App
You should only share client data in compliance with applicable privacy laws and regulations

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Motor Car Insurance Calculator Privacy Team
Email: info.insurebook@gmail.com

For general support inquiries, you may also contact:

Motor Car Insurance Calculator Support
Email: info.insurebook@gmail.com

16. Consent

By using the Motor Car Insurance Calculator App, you consent to the collection and use of information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App.