Privacy Policy

Last updated: November 6, 2026

This policy applies to the iMC mortgage calculator app (package com.grantkwok.imc), the free ad-supported iMC Lite app (package com.grantkwok.iMCLite) and this website, provided by Grant Kwok.

Summary

iMC does not collect, transmit, sell or share any personal information.

iMC Lite works the same way, except that it shows ads provided by Google AdMob, which may collect certain device information as described in the "Advertising in iMC Lite" section below.

Information stored on your device

The numbers you enter (price, down payment, rate, amortization and planning inputs) are saved locally on your device so they are there next time you open the app. This data never leaves your device and is removed when you clear the app's data or uninstall the app.

Information we collect

None. Neither app has accounts or analytics, and neither uses your location, contacts, camera or microphone. The paid iMC app contains no advertising and no third-party tracking. The only third-party data collection in iMC Lite is by the advertising service described below.

Advertising in iMC Lite

iMC Lite is free and displays banner ads served by Google AdMob. To serve and measure ads, Google may collect and use information such as your device's advertising ID, IP address, device and operating system information, app interaction and approximate location derived from your IP address. We do not receive this information and do not use it for any other purpose.

You can reset your advertising ID or opt out of ad personalization in your Android settings (Settings → Privacy → Ads). More information on how Google uses data from apps that use its services is at policies.google.com/technologies/partner-sites, and Google's privacy policy is at policies.google.com/privacy.

Removing ads (in-app purchase)

iMC Lite offers an optional in-app purchase to remove ads. Payment is handled entirely by Google Play. We do not receive or store your payment details. The app only checks with Google Play whether the purchase has been made, so it can hide the ads.

Email schedule feature

If you tap "Email schedule", the app passes the schedule text to your device's email or share feature. What happens next is controlled by the app you choose and its own privacy policy. We do not receive the content.

Children's privacy

iMC and iMC Lite are general-audience financial tools and are not directed to children. We do not knowingly collect information from anyone, including children.

Website

This website is a static site that does not use cookies or analytics. The web host may keep standard server logs (such as IP address and pages requested) for security and operations.

Changes

If this policy changes, the updated version will be posted here with a new date.

Contact

Questions about this policy: [email protected].