Privacy Policy

Last Updated: January 20, 2026

Introduction

Plan Z ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how our mobile application (the "App") collects, uses, and safeguards your information. We designed Plan Z to help UK graduates simulate and understand their student loan repayments while prioritizing data privacy and security.

Data Collection

We collect the minimum amount of data necessary to provide the App's core functionality. The types of data we collect include:

1. Contact Information

• Data Collected: Name, Email Address.
• Purpose: Account creation, authentication, and secure login.
• Linked to User: Yes.
• Tracking: No.

2. Financial Information

• Data Collected: Salary details, Student Loan balances, Repayment history, and Savings goals.
• Purpose: To calculate accurate repayment projections and provide personalized insights.
• Linked to User: Yes.
• Tracking: No.

How We Use Your Data

We use your data strictly for App Functionality:

• To create and manage your secure account.
• To perform mathematical calculations for loan repayment simulations.
• To store your preferences and saved scenarios across devices.

We do not sell your personal data.
We do not use your data for advertising or marketing tracking.

Data Storage and Security

Storage

Your data is stored securely in the cloud using an industry-standard Backend-as-a-Service provider. All data is encrypted in transit (using SSL/TLS) and at rest.

Security Measures

• Row-Level Security (RLS): We enforce strict database policies ensuring that you—and only you—can access your personal financial data.
• No Third-Party Access: Our engineers do not have direct access to your decrypted passwords or private financial entries.

Third-Party Services

We use trusted third-party services to support the App's infrastructure. These providers adhere to strict data protection standards:

• Cloud Infrastructure: For database hosting, authentication, and secure storage.
• Apple / Google: For processing in-app purchases and subscriptions. We do not process or store your credit card details directly.

Your Rights (Data Deletion)

You have full control over your data.

• Delete Account: You can permanently delete your account and all associated data directly within the App via the Profile > Danger Zone menu.
• Effect of Deletion: This action is irreversible. It will immediately remove your login credentials, loan details, and payment history from our servers.

Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you through the App or by updating the date at the top of this policy.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

aarykhan356+planz@gmail.com