Legal

Privacy Policy

CV Calculator — Pension Commuted Value Calculator  ·  Last updated: April 2026
The short version

The iOS app does not collect, store, or transmit any personal data — all calculations happen on your device. The website at cvcalculator.ca uses Google Analytics and Google AdSense, which use cookies to measure traffic and serve relevant ads.

This Website (cvcalculator.ca) AdSense & Analytics

The CVCalculator website at cvcalculator.ca uses the following third-party services that may collect data through cookies and similar technologies:

  • Google Analytics — collects anonymized usage data (pages visited, session duration, general location) to help us understand how visitors use the site. Data is processed by Google under their Privacy Policy.
  • Google AdSense — serves advertising on this website. Google and its advertising partners may use cookies to serve ads based on your prior visits to this website or other websites. You can opt out of personalized advertising by visiting Google's Ads Settings.

These services operate under Google's Privacy Policy. The website itself does not collect, store, or transmit any personal data beyond what these services process automatically.

You can opt out of Google's use of cookies by visiting the Network Advertising Initiative opt-out page or by adjusting your browser's cookie settings.

iOS App Policy

Overview

CV Calculator ("the App") is developed and operated by David McCrory ("we", "us", "our"). This section of the Privacy Policy explains how we handle information when you use the iOS App.

Information We Do Not Collect

The iOS App does not collect, transmit, or store:

  • Your name, email address, or contact information
  • Pension details, salary, dates, or any financial data you enter into the App
  • Device identifiers or advertising identifiers
  • Location data
  • Usage analytics or crash reports
  • Any information that could personally identify you

All data you enter into the App remains exclusively on your device and is never transmitted to us or any third party.

Data Storage

Any data you enter into the App is stored locally on your device using Apple's standard iOS data storage. This data:

  • Never leaves your device
  • Is not backed up to our servers (it may be included in your iCloud or iTunes backup at Apple's standard settings, governed by Apple's Privacy Policy)
  • Can be deleted at any time by removing scenarios within the App
  • Is permanently deleted when you uninstall the App

Financial Data

CV Calculator stores pension and financial information that you voluntarily enter. This data:

  • Is stored only on your device
  • Is never transmitted to us or any third party
  • Is never used for advertising or analytics purposes
  • Is under your complete control at all times

In-App Purchases

CV Calculator offers optional in-app purchases ("CV Pro") processed entirely through Apple's App Store. We do not handle or store any payment information. All purchase transactions are managed by Apple and subject to Apple's Privacy Policy.

Purchase history and subscription status are verified through Apple's StoreKit framework. We receive only a confirmation of purchase status (active/inactive) — no payment details.

Third-Party Services in the App

The iOS App does not integrate any third-party analytics, advertising, or tracking SDKs. We do not use:

  • Google Analytics or Firebase
  • Facebook SDK
  • Any advertising networks
  • Any crash reporting services

Children's Privacy

The App is not directed at children under the age of 13. We do not knowingly collect any information from children.

Your Rights

Since the App collects no personal data, there is nothing for us to provide, correct, or delete on our end. You have full control over your data within the App itself — you can delete individual scenarios or all data by uninstalling the App.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted at this URL with an updated date. Continued use of the App or website after changes constitutes acceptance of the updated policy.

Contact

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