1. Who we are
RateWise ("the app") is published by EH Apps BD (ehappsbd.com). This policy explains what information the app uses, why, and the choices you have. RateWise does not require an account, and we never ask for your name, address, income or loan details.
2. Information stored only on your device
The following stays on your phone and is never sent to us:
- Calculator inputs (home price, down payment, rate, term, taxes, insurance, PMI, HOA)
- Saved scenarios and rate alerts you create
- Preferences such as theme, currency, default loan term and the optional first name shown on the home screen
- A cached copy of public market data so the app works offline
If Android backup is enabled on your device, these preferences may be included in your personal Google backup. Uninstalling the app or clearing its storage deletes them.
3. Market data (FRED)
Mortgage rates and economic indicators are public data from FRED®, Federal Reserve Bank of St. Louis. To download them, the app connects to our server (ehappsbd.com) and, as a fallback, directly to fred.stlouisfed.org. These requests contain only the name of the data series. Like any web server, these servers may briefly log your IP address and device type for security and abuse prevention. No personal data is sent.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
4. Permissions
| Permission | Why |
|---|---|
| Internet & network state | Download market data, show ads, process purchases |
| Notifications (Android 13+) | Rate alerts and the optional weekly market brief. You can turn these off at any time. |
| Advertising ID | Used by Google AdMob, see section 5 |
5. Advertising (Google AdMob)
The free version shows a small number of ads from Google AdMob. Google may collect and use your device's advertising ID, IP address and app interaction data to serve and measure ads, and, where you allow it, to personalize them. Users in the EEA, UK and Switzerland are asked for consent through Google's consent form, and can change their choice at any time in More → Ad privacy choices. You can also reset or delete your advertising ID in Android settings.
Learn more: How Google uses information from apps that use its services.
RateWise Plus subscribers see no ads.
6. App analytics (Google Analytics for Firebase)
We use Firebase Analytics to understand which features are used (for example "mortgage calculated" or "alert created") so we can improve the app. It collects an app-instance identifier, device model, OS version, country/region and usage events. We never log home prices, loan amounts, rates you enter, scenario names or any other financial values.
Learn more: Privacy and Security in Firebase.
7. Purchases
RateWise Plus is sold through Google Play. Payments are processed entirely by Google; we never receive your card or payment details. The app only checks with Google Play whether you own an active purchase.
8. Data retention and deletion
Data stored on your device is deleted when you uninstall the app or clear its storage. Analytics data is retained by Google for up to 14 months. To request deletion of analytics data linked to your app instance, email us at the address below.
9. Security
All network connections use HTTPS. Because we do not operate user accounts or store your financial inputs on our servers, there is no personal financial data on our side to be exposed.
10. Children
RateWise is a personal-finance tool intended for adults and is not directed at children under 13. We do not knowingly collect information from children.
11. Financial disclaimer
Rates shown are national averages for information only and are not a loan offer, a rate quote or financial advice. Calculator results are estimates. Talk to a licensed lender or financial adviser before making decisions.
12. Your rights
Depending on where you live (for example under GDPR or CCPA/CPRA), you may have the right to access, correct or delete personal data and to object to its processing. Contact us and we will respond within 30 days.
13. Changes to this policy
We may update this policy. The effective date above shows the latest version, and material changes will be noted in the app's release notes.
14. Contact us
EH Apps BD · emranstdullapara@gmail.com · ehappsbd.com