Privacy Policy

Last Updated: January 30, 2026

This Privacy Policy describes how Pag-IBIG MP2 Dividend Calculator ("we", "our", or "the App") collects, uses, and protects your information when you use our mobile application.

1. Information We Collect

1.1 Information You Provide

The App collects and stores the following information locally on your device:

• Calculation Inputs: Initial amount, monthly contributions, dividend rates, investment duration, and calculation preferences
• Saved Scenarios: Named calculation scenarios you choose to save for future reference
• Last Input Data: Your most recent calculation inputs for convenience

1.2 Automatically Collected Information

Through third-party services (Google AdMob), the following information may be collected:

• Device information (model, operating system version)
• Advertising identifiers (IDFA on iOS, AAID on Android)
• IP address and general location data
• App usage statistics and interaction with advertisements

2. How We Use Your Information

2.1 Local Data Usage

Information stored locally on your device is used to:

• Perform MP2 dividend calculations based on your inputs
• Save and retrieve your calculation scenarios
• Restore your last calculation inputs when you reopen the App
• Provide a personalized user experience

2.2 Third-Party Services

We use Google AdMob to display advertisements. AdMob may use your information to:

• Serve personalized advertisements based on your interests
• Measure ad performance and engagement
• Prevent fraud and improve ad quality

3. Data Storage and Security

3.1 Local Storage

All your calculation data and saved scenarios are stored exclusively on your device using React Native AsyncStorage. This data remains on your device and is not transmitted to any external servers operated by us.

3.2 Data Security

While we implement reasonable security measures, please note that no method of electronic storage is 100% secure. Your device's security settings and practices also play a crucial role in protecting your data.

3.3 Data Retention

Your locally stored data remains on your device until you:

• Manually delete saved scenarios within the App
• Clear the App's data through your device settings
• Uninstall the App

4. Third-Party Services

4.1 Google AdMob

This App uses Google AdMob to display advertisements. AdMob is a third-party advertising service provided by Google LLC. AdMob may collect and use data as described in Google's Privacy Policy.

For more information about how Google uses data, please visit:

• Google Privacy Policy
• How Google Uses Data When You Use Our Partners' Sites or Apps

4.2 Opting Out of Personalized Ads

You can opt out of personalized advertising by:

• Android: Go to Settings > Google > Ads > Opt out of Ads Personalization
• iOS: Go to Settings > Privacy > Advertising > Limit Ad Tracking

5. Children's Privacy

This App is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

6. Your Rights and Choices

You have the right to:

• Access: View all data stored locally by the App through the saved scenarios screen
• Delete: Remove saved scenarios individually or clear all App data through device settings
• Control: Manage ad personalization settings through your device's privacy settings
• Uninstall: Remove the App at any time, which will delete all locally stored data

7. Data Sharing and Disclosure

We do not sell, trade, or transfer your calculation data to third parties. The only data sharing that occurs is through Google AdMob for advertising purposes, as described in Section 4.

We may disclose information if required by law or to protect our rights, but since we do not collect or store your data on our servers, such disclosures would be limited.

8. International Users

This App is primarily designed for users in the Philippines for calculating Pag-IBIG MP2 investments. However, users from other countries may use the App. Please note that data practices and advertising regulations may vary by country.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy within the App and updating the "Last Updated" date at the top of this policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted.

10. No Warranty Disclaimer

This App is provided for informational and planning purposes only. The calculations and projections are estimates based on your inputs and do not constitute financial advice. Actual MP2 dividend rates and returns may vary. Please consult with Pag-IBIG Fund or a financial advisor for official information.

11. Contact Us

12. Consent

By using the Pag-IBIG MP2 Dividend Calculator, you consent to this Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use the App.