Nilfold — 隐私政策

最近更新：20 October 2026。以英文文本为准。英文是具有约束力的隐私政策。其他语言翻译同一组事实。

Website: https://pocketfoundry.cc. Contact: [email protected]. Package: com.hpiapp.debtpayoff.nilfold.

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.

下面各节是同一份政策，不是另一套条款。

Nilfold 根据你在这台手机上填写的数字估算债务还清时间。它不连接银行，不放贷，也不划转任何款项。
没有账号，也不能登录。PocketFoundry 不会在服务器上保存 Nilfold 用户档案。
本地文件可以包含债务名称、余额、年利率、最低还款、某一行是否仍是示例、每月额外还款、还款顺序、货币代码，以及这台手机是否已记录一次性解锁。Nilfold 不会上传这个文件。你可以在应用里编辑或删除。移除示例只删除仍标为示例的行。卸载会删除文件。Android 备份已关闭。如果文件无法读取，Nilfold 会用示例替换它，应用无法恢复之前的数字。
Google Play 处理可选的一次性购买。购买后债务上限从两笔提高到八笔，并可以导出 CSV。Nilfold 用 Play 结算查询是否已拥有该商品，并显示 Play 返回的价格。应用收不到卡号。结算库使用互联网权限。没有广告 SDK，也没有分析 SDK。
应用声明了互联网权限。Play 结算还会合并网络状态权限。两者只在购买或恢复时使用。Nilfold 不申请通知、通讯录、照片、位置、相机、麦克风或前台服务。
购买后，CSV 导出会在缓存中生成文件并打开系统分享。文件只发到你选择的地方。Nilfold 不出售数据。
Nilfold 不以 13 岁以下儿童为对象。问题请写 [email protected]。包名 com.hpiapp.debtpayoff.nilfold。英文为法律源文。更新日期：2026年10月20日。