Nilfold — Privacy policy

Last updated: 20 October 2026. English is the controlling text.

Nilfold is an Android app that estimates a debt payoff from numbers you type on the phone where it is installed. You enter a name, a balance, a yearly interest rate, and a minimum payment. Nilfold builds a month-by-month table on the device. It does not connect to a bank, does not lend money, and does not move payments.

Accounts

Nilfold does not ask you to create an account, and it does not offer a sign-in. There is no Nilfold user profile on a server operated by PocketFoundry.

Data stored on the phone

The app saves a local file that can contain debt names, balances, yearly rates, minimum payments, whether a row is an example, the extra amount for each month, the payoff order, the currency code, whether the examples have already been created, whether the example notice has been dismissed, and whether the one-time unlock is recorded on this phone. That file stays in the app's private storage. Nilfold does not upload it.

You can edit or delete a debt inside the app. Remove examples deletes only rows that are still marked as examples. Uninstalling the app removes the local file from that phone. A new phone does not receive the old file. Android backup is turned off for this app. If the file cannot be read, Nilfold replaces it with examples, and the previous numbers cannot be recovered from the app.

Purchases

Google Play processes the optional one-time purchase that raises the debt limit from two to eight and enables CSV export. Nilfold uses the Play Billing library to ask whether that product is owned and to show the price Play returns. The app does not receive your card number. Google's handling of payment data is covered by Google's own policies. The Billing library uses the Internet permission. Nilfold does not add an advertising SDK or an analytics SDK.

Permissions

The app declares the Internet permission. The Play Billing library also merges a network-state permission. Both are used when you buy or restore the one-time purchase. Nilfold does not request notifications, contacts, photos, location, camera, microphone, or a foreground service.

Sharing

CSV export, after the one-time purchase, creates a file in the app's cache and opens the system share sheet. The file goes only where you send it. Nilfold does not sell data and does not share the estimate with a server of its own.

Children

Nilfold is not directed at children under 13, and it does not knowingly collect personal information from children.

Contact

Questions about this policy: [email protected]. PocketFoundry, package com.hpiapp.debtpayoff.nilfold.