Retirement Planner — Scenarios — Privacy Policy

Last updated: 29 October 2026 · Package: com.ibrahimtxy.emeklilik · Developer: bulbildir

In short: the developer collects no personal data, the app does not ask you to create an account and sends nothing to any server of ours — we do not operate one. Everything you enter stays on your phone. The free tier shows Google AdMob ads (every format is listed in §5); the Google Mobile Ads SDK that serves them collects and shares with Google the IP address, app interactions, diagnostic information and device identifiers, including the advertising ID (§5). Paid members see no ads and no ad request is made at all. The developer uses no analytics and no crash reporting.

Important: These are PROJECTIONS, not financial advice and not a promise. Return, inflation, tax, plan fees and contribution caps are values YOU enter; real markets do not move at a fixed rate. Talk to a licensed adviser before acting on a number here.

1. What the app does

Retirement Planner — Scenarios keeps the records you enter and works them out for you. An example entry: Retire at 65 · 6% return · 3% inflation.

The app reads nothing from the internet: it contacts no source, looks nothing up and has no account to sign in to. Every figure it shows is computed on this phone from what you typed.

2. Data we collect

The developer collects none. We run no server and receive nothing from your device — not your records, not your device identifier, not your usage, not crash reports.

The one exception is advertising, and the developer does not process that either: in the free tier Google serves the ads and may use your device's advertising ID (AAID) and IP address. See §5.

3. What is stored on your device

The records you enter, the settings you choose and the reminders you set, with the time each reminder last went off so that it is not sent twice. All of it lives in the app's private storage and is deleted when you uninstall the app.

4. Servers the app talks to

For its own work, none. The app contacts no source server: there is nothing to fetch. The only network traffic it makes is the advertising and purchase traffic described in §5 and §6, and the free tier is the only tier that makes the first of those.

5. Advertising

This section applies to version 0.1.0 and later. Earlier versions show no ads, contain no advertising library and read no advertising ID.

The free tier shows ads. They are served by Google AdMob; the developer does not choose what is shown and has no direct relationship with advertisers. The formats used are:

Banner — at the bottom of the screen; it never covers your content.
Rewarded — only when you tap the offer yourself; it relaxes free-tier limits for 24 hours.
Native — a card inside the app's own screens, always marked with an “Ad” label.

Interstitial, rewarded interstitial and app open ads are no longer used; versions of the app released before 28 October 2026 also showed these formats.

Paid members see no ads and no ad request is made — nothing leaves the device for AdMob, and no consent form is shown.
To select, serve and measure ads, Google may use your device's advertising ID (AAID) and IP address. The developer never reads or stores that identifier; Google is the party that processes it.
You can reset or delete the advertising ID in Settings › Google › Ads. The app keeps working if you do.
In the European Economic Area, Switzerland and the United Kingdom, Google's certified consent form is shown before the first ad loads. You can change your choice later from the Privacy options link inside the app.
How Google processes this data: policies.google.com/technologies/partner-sites

There is no analytics (Firebase Analytics and the like), no crash reporting (Crashlytics and the like) and no marketing tracker. How you use the app is never reported to the developer.

6. Permissions

Permission	Why
`ACCESS_NETWORK_STATE`	So the ad library can see the connection state. Your entries do not use the network.
`INTERNET`	For ads ONLY. Your entries never leave the device and the app has no server of its own.
`POST_NOTIFICATIONS`	To remind you about the dates and reminders you set yourself.
`READ_BASIC_PHONE_STATE`	So the ads library can tell Wi-Fi from mobile data. It grants no access to your phone number, IMEI or call log; the app does not declare it, the ads library adds it.
`RECEIVE_BOOT_COMPLETED`	So your reminders keep working after the phone restarts.
`VIBRATE`	To vibrate when a notification arrives.
`WAKE_LOCK`	So the phone does not fall asleep in the middle of a check. The app does not ask for this itself; the background work library (Android Jetpack WorkManager) adds it.
`BILLING`	So you can buy a paid membership through Google Play. The app does not declare this permission itself; the Google Play Billing library adds it. Your payment details (card, address, invoice) never reach the app and are never seen or stored by it — Google Play takes the payment. All the app learns is whether your membership is active.
`AD_ID`	Ads in the free tier are served by Google AdMob, which may read the device advertising ID (AAID). The app does not declare this permission itself; the ads library adds it. Paid members make no ad request at all. You can reset or delete the ID in Settings › Google › Ads.

7. Payment and membership

If you buy a paid membership, the payment is handled by Google Play. Your card details are never entered into the app and are never seen by the developer.

Monthly and yearly memberships renew automatically; Google Play charges your account at the start of each period. The lifetime membership is a one-off purchase and does not renew. You can cancel a subscription at any time in Google Play Store › Menu › Subscriptions; cancelling takes effect at the end of the period you have already paid for. Refunds are also handled by Google Play — the developer has no access to the payment.

The app has no server of its own. Whether your membership is active is read again every time the app asks Google Play (when you open the app and when you view the membership screen). That is why a cancellation or refund closes the membership the next time you open the app. If you changed device, Restore purchases on the membership screen brings back a purchase made with the same Google account.

8. Children

The app is not directed to children. The developer collects no data from anyone; the advertising data described in §5 is processed by Google.

9. Keeping and deleting your data

Everything the app stores stays on your device; there is no account and no server copy. Clearing the app’s storage, or uninstalling the app, deletes everything it has ever kept — nothing survives elsewhere, so there is no separate deletion request to make. A paid membership is held by Google Play, not by the app: it survives reinstalling and can be brought back with Restore purchases.

10. Changes

If this policy changes, the date at the top changes with it.

11. Contact

bulbildir@mail.com

12. This app in detail

The sections above apply to every app by this developer. What follows is written for this app only and describes exactly what it records, what it never records and what it will not claim.

SUMMARY
The developer receives none of your personal data. Everything you enter —
your age, what you have saved, what you contribute each month, the return,
inflation, fee, tax and withdrawal rates you choose, the names you give your
scenarios, the pension amounts and starting ages you expect, the spending you
plan for retirement and the age it should last to, the one-off sums and the
market fall you test, the retirement date you set for the countdown, the
goals on your bucket list, the balance updates you record for goal progress and
the two scenarios you pair in the household plan — is stored ONLY on your device. The app never asks for your date of birth. There is no account and
no sign-in, and no network connection is made in order to run a projection, save
a scenario or produce a report.

NOTHING LEAVES THIS PHONE UNLESS YOU SEND IT
What you type here is a picture of your finances: how much you have, how much
you can put aside and when you hope to stop working. Those numbers run entirely
on this device and the app never uploads them. If you tap Share, the app hands a
plain-text summary of that projection (the figures on the screen, your
assumptions and their sources) to the app you pick in Android's share menu, such
as email or a messaging app; that app delivers it, and its own privacy policy
applies. A PDF plan, a CSV table or a comparison report is written only to a
file you select yourself. Automatic cloud backup is switched off
(allowBackup=false); a backup is only written when you choose to write one, to a
file you select yourself. That backup contains your scenarios AND the rates and
sources you entered, plus your retirement date, your bucket list, your balance
updates, the two scenarios you paired in the household plan, the order of your
Tools and whether App lock is on, so a new phone can start where the old one
stopped.

TOOLS AND LEARN PAGES
The Social Security, Traditional vs Roth, college savings and asset allocation
calculators work with the figures you type into them while you use that screen;
those figures are not written to your saved plans or to a backup, and they are
not sent anywhere. Only the order you arrange the tools in is saved. The Learn
pages are text inside the app; opening them makes no network request.
Chance of success uses the volatility you type only while that screen is open:
it is not saved, and its 500 runs happen on the phone. Goal progress keeps the
balances you record there, and a scenario saved with a new balance adds one
too, so it can show your history; deleting a scenario deletes its records. The
household plan saves only which two of your scenarios you paired. The financial
statements are built from your saved scenarios, and their CSV is written only to
a file you select yourself.

BALANCE REVIEW REMINDER
If you switch on the balance review reminder, its notification can add one line
worked out from your newest scenario: the age your savings last to and your plan
age. It never contains an amount, and a locked screen shows only "Balance review
reminder".

APP LOCK
If you switch on App lock in Settings, the app asks for your phone's own screen
lock (the PIN, pattern, password or other method your phone uses) when it opens
and after it has been in the background for a minute or more. Android makes that
check: the app never sees or stores your PIN, pattern, password or fingerprint,
and it has no biometric permission. Switching the lock on asks for your screen
lock first, so you cannot lock yourself out, and on a phone without a screen lock
the switch stays off. While the lock is on, Android 13 and newer also hide the
app's content in the recent-apps screen.

NO LOCATION, NO CONTACTS, NO CALENDAR, NO CAMERA
The app requests NO location permission, NO contacts permission and NO calendar
permission; android.permission.CAMERA is not in this package either. It does not
need them: it compounds numbers you type in.

NO ACCOUNT LINKING
This app does not connect to any bank, broker, pension provider or employer
plan, and no account is connected at any point. It has no account permissions,
no open-banking integration and no portfolio tracking. It cannot see your real
balance — you type it in, and a reminder can ask you to keep it up to date.

INTERNET AND PERMISSIONS
The internet permissions (android.permission.INTERNET,
android.permission.ACCESS_NETWORK_STATE) are used for advertising only.
POST_NOTIFICATIONS, VIBRATE and RECEIVE_BOOT_COMPLETED are used for the balance
review reminder, and WAKE_LOCK is added by the background work library while a
scheduled check runs. Notification permission is requested only when you switch
that reminder on — never at start-up. The advertising library adds
com.google.android.gms.permission.AD_ID and
android.permission.READ_BASIC_PHONE_STATE to the package. Purchases use
com.android.vending.BILLING.

ADVERTISING (Google AdMob)
The free version shows Google AdMob advertising. Three ad formats
are used: a bottom banner, a native ad inside the app's own content,
and a rewarded video you start yourself. There are no full-screen
ads between screens or when the app opens. AdMob may process
identifiers such as the advertising ID in order to serve ads. Users in the
European Economic Area, the United Kingdom and Switzerland are shown a consent
screen through Google's User Messaging Platform (UMP), and you can change your
choice later under Settings > Privacy. Google's privacy policy applies to
AdMob's own processing: https://policies.google.com/privacy

PAID MEMBERSHIP
You can buy an ad-free membership through Google Play Billing. A paying member
sees no advertising at all: no ad is displayed and no ad request is even sent.
The paid plan also unlocks the PDF comparison report and room for more saved
scenarios. Alternatively, watching a rewarded ad unlocks both for 24 hours. The
one-scenario PDF plan, the CSV table and sharing a summary are free on every
plan.
Purchases are handled by Google Play; the app never sees or stores your payment
details, and you can restore an existing purchase from the membership section.

RUNNING A PROJECTION IS NEVER BEHIND THE PAYWALL
Typing your age, your balance and your monthly contribution, seeing the curve,
and putting TWO scenarios side by side are free on every plan, including the
free one. That comparison is the whole point of the app, and hiding it would
mean asking you to pay for something you have not been allowed to see. The
calculation happens on your phone and costs nothing to run. What money buys is
how many saved scenarios the list shows and whether you can export the PDF
comparison report. THE LIMIT NEVER DELETES ANYTHING: scenarios outside the
window stay on the device and a backup always contains every one of them.

THE APP SHIPS WITH NO RATES, ON PURPOSE
This app contains NO return rate, NO inflation figure, NO contribution cap, NO
employer-match rule and NO tax table. Those numbers differ by country, by plan
and by year, and they change. A figure built into the app would keep producing a
confident, wrong projection for decades and nothing would look broken. You enter
every rate and record where you read it; that source is printed in the header of
every report the app produces, so anyone checking your figures can check the
assumptions too. For the same reason the app does not know your country's
contribution cap, its tax brackets or its state pension rules. The market fall
in the stress test is a percentage you type; the app contains no market history.
The Learn pages explain terms without adding a rate; the one figure they quote,
the age at which IRS Publication 590-B says required minimum distributions
begin, names that publication, and the app still uses the start age you enter.

The one table inside the app is the IRS Uniform Lifetime Table (IRS Publication
590-B (2025), Appendix B, Table III), which turns a tax-deferred balance into a
US required minimum distribution. It is used only if you enter the age at which
your required minimum distributions start, and wherever it is used the app
names that source and the day it was read. The penalty rate and the penalty-free
age for early withdrawals are values you enter yourself.

A PROJECTION IS NOT A PREDICTION
Every figure this app shows is arithmetic applied to assumptions you chose
yourself. Real returns are not smooth and not guaranteed: markets fall, fees
change, tax rules change, and inflation is not one number for everybody. The
app deliberately shows the balance in today's money next to the nominal figure,
because the nominal one alone flatters every long projection. The plan check
(the savings you would need, the monthly saving that reaches them and the
earliest age that works) is the same arithmetic run backwards, so it is only as
good as the spending, rates and ages you enter.

NOT FINANCIAL, TAX, PENSION OR INVESTMENT ADVICE
THIS APP IS FOR INFORMATION ONLY AND IS NOT FINANCIAL, TAX, PENSION OR
INVESTMENT ADVICE. It does not recommend any fund, plan, provider or product, it
is not regulated by any financial authority, and it is not connected to any
employer, government body or pension scheme. Before acting on anything you see
here, read your own plan documents and speak to a qualified adviser.

MEASUREMENT
The app keeps five counters on this device — projections run, scenarios saved,
comparisons opened, PDF reports exported and review reminders delivered. They
are shown to you under Settings > Usage and are never sent anywhere. There is no
analytics SDK in this package.

CHILDREN
The app is not directed at children.

CHANGES
This policy may be updated; the current version is published at:
https://bulbildir.it.name.tr/gizlilik/emeklilik.html

Questions: bulbildir@mail.com