Premium Calc
Privacy policy
Premium Calc helps insurance advisors and their team leaders learn plans and explain them to customers. It is an independent app: no insurance company, IRDAI or government body makes, runs or endorses it, and it is not an insurer’s tool, brochure or official communication. This page says plainly what happens to your data.
No login, no account, no server of our own
Premium Calc has no login and no account. You never sign up, and Premium Calc runs no server that keeps anything about you: no profile, no list of who uses the app, nothing you type.
Everything stays on your phone
Your quotes, customers and their policies, leads, expenses, to-dos and your own profile (your name, code, branch, phone, appointment date and the rest) are saved only on your phone. Uninstalling the app deletes them, and Settings › Delete my data removes them at any time.
Android’s own backup can keep a copy of this data in your own Google account (when the phone has a screen lock, which encrypts it, and backup is turned on in the phone’s settings), so a new phone or a reinstall brings it back. Google keeps it under its own policy; Premium Calc cannot see it.
A backup you make in Settings › Backup and restore is a file you keep yourself, wherever you choose to save or send it (for example your own Google Drive). Premium Calc never receives it. Keep it private: it has your customers’ details.
Because Premium Calc holds no copy, it cannot recover anything that is lost. Keeping your customers’ details safe, and your phone and Google account locked, is up to you.
When the internet is used
Calculations work offline. The app uses the internet only for these:
- App settings and notices (new plans, announcements, the latest rates for some calculators), through Google Firebase Remote Config. Every phone gets the same settings; nothing about you is sent.
- Village lists, downloaded from Premium Calc’s pages on Google Firebase Hosting when you use village leads.
- Market prices for gold, silver and the market indices, from a public price service.
- Bank IFSC lookups: the IFSC code you type is sent to a public lookup service to fill in the bank and branch.
- Ads from Google.
- Updates through Google Play.
The services that answer see your phone’s internet address while they answer, as any website does. Links to official websites open in your own browser.
Free, with ads
Premium Calc is free to use. It shows ads from Google (small banners and a full-screen ad now and then), which may use your phone’s advertising ID as allowed by your choices in Settings › Ad privacy choices.
Premium Calc Pro, a Google Play subscription, removes the ads and opens the Pro tools, such as unlimited village leads. Google Play handles the payment and keeps the record of your subscription; Premium Calc never sees your card or bank details and keeps no record of it anywhere of its own.
Notifications, usage counts and crash reports
Notifications are optional. If you allow them, Premium Calc can send you news about plans and updates, and the app can remind you of your own customers’ dues and of your targets; those reminders are worked out on your phone. So that news can be aimed, your phone joins groups for your role, town and languages, taken from the profile on your phone; Google Firebase keeps these groups, and nobody can see which phones are in them.
To improve the app, Google Firebase counts which plans are quoted and what is shared, and sends crash reports. No names, phone numbers or customer details are sent. All of this starts only after you agree to the notice the app shows when it opens.
Google provides the ads, Play payments and Firebase under its own privacy policy: policies.google.com/privacy.
Writing to us
“Suggest a feature” and “Report a bug” open your own email app with a message to us that you read before you send it. It carries what you write, the app version, the Android version, the phone model, the language and your role; your name and phone number only if you tick “You may contact me”. We use it only to reply and to improve the app.
Deleting your data
There is no account to delete. Everything is on your phone: use Settings › Delete my data, uninstall Premium Calc, or clear its storage in your phone’s settings, and it is gone. Premium Calc Pro is cancelled in the Play Store › Payments & subscriptions › Subscriptions.
Children
Premium Calc is made for insurance advisors. It is not meant for children.
Terms of use
- Estimates, not official quotes. Premiums, bonuses and benefits are worked out from each plan’s published rules and rates, taken from the insurer’s public website and brochures. They can differ from the insurer’s own figures, and a plan’s details in the app may be incomplete or out of date.
- Official documents prevail. The policy document and the insurer’s official benefit illustration always prevail over anything shown in this app. For the latest rules, check the insurer’s own website and brochures.
- Bonuses are not guaranteed. Bonus and addition rates are the latest declared or assumed rates. Use them to explain a plan, never to promise a return.
- Tax and scheme figures are a guide. Income tax and post office figures follow the published rules for the year shown; check with a tax adviser before filing.
- Your advice is your responsibility. Check the plan’s sales brochure and the insurer’s official illustration before a customer signs. Premium Calc is an aid, not financial advice: you use it at your own risk, and its makers are not liable for any loss that comes from relying on it.
Changes and questions
If this policy changes, the new version is posted on this page with a new date.
Questions about your data? Write to the developer email shown on Premium Calc’s page in Google Play.