Privacy notice

Mortgage Calculator: True Cost ("the app")

Effective: 12 November 2026

Who is responsible

This notice is the app's privacy policy. The developer is Dmitriy Beer.

• Country: United Kingdom
• Email: support@dbrdev.com

In short

• The app has no account and no sign-in.
• The app does not collect your data and sends the developer nothing. If you email the developer, the developer receives your message and your email address (see "Contacting the developer").
• The app cannot use the internet: it does not ask for that permission.
• Everything you enter stays on your phone unless you yourself share, copy or send it to another app, for example as a PDF or CSV.
• The app tells Android not to back up your saved data or move it to a new phone.
• If you share a PDF or CSV from the app, that copy stays wherever you sent it.

What the app keeps on your phone, and why

When you use the app, it keeps the following in its own private storage on your phone:

• The mortgage figures you type in, such as loan amounts, rates, fees, terms and overpayment plans, and the names, lender names and tags you give your deals.
• The comparisons you choose to save, and when each was saved or last changed.
• The comparison you were working on, so it is there when you come back.
• Your settings: market, calculation mode, theme, default horizon, whether the break-even chart shows true cost or cash, and the monthly budget you may type on the stress test screen.
• A note that you finished the first-run screens and accepted the "Before you use this app" notice and the Terms of use.

The app stores these things on your phone only because they are needed to give you what you asked for, and for no other purpose, so it does not ask for consent to store them.

This information stays on your phone. The developer cannot see it. It is not sent to any server, because the app has no way to send it: it does not ask for permission to use the internet.

When the app starts

The app does not contact any other app or any online service when it starts.

What the app does not do

The app does not:

• ask you to create an account or sign in;
• use advertising;
• sell anything inside the app;
• use analytics or tracking tools;
• ask for your location, contacts, camera, microphone or files;
• contain code from third parties that collects data.

Backup and moving to a new phone

The app switches off Android backup for itself and tells Android not to copy its saved data in a cloud backup or in a phone-to-phone transfer. A new phone, or a reinstall after an uninstall, starts empty. To keep a record of a comparison, share it as a PDF or CSV (see below). The app cannot read either file back in, so on a new phone you enter the figures again.

Exports and copies you share

The app creates a PDF or CSV only when you ask for one. It then opens your phone's share sheet, and you choose where the file goes: an email app, a messaging app, cloud storage, or anywhere else you pick.

• A copy you send somewhere stays there, held by the app or service you chose and by anyone you sent it to. The developer cannot see it or remove it, and uninstalling this app does not remove it.
• The file holds the figures from the comparison you exported, and any names or tags you typed.
• To hand the file to the share sheet, the app saves a temporary copy in its own private storage. It removes each copy the first time the app starts after the copy is 24 hours old.

Deleting what the app keeps

• Uninstall the app. This removes everything the app stored on your phone.
• Settings, then "Delete all saved scenarios". This removes every comparison you have saved. It does not clear the comparison on screen, your settings, your acceptance of the notice or a temporary export copy (see above). Uninstalling removes those too.
• Android's Settings, Apps, then this app, Storage, "Clear storage". This removes everything the app stored on your phone, your saved comparisons included, as uninstalling does, but keeps the app installed. This is Android's own behaviour, not a function of this app.

The app sends the developer none of your data. If you have emailed the developer, you can ask for those messages to be deleted (see "Contacting the developer").

Google Play and app quality figures

You download the app through Google Play. Google processes data about your download and your device under its own terms and privacy policy. If you have agreed to share usage and diagnostics data with Google, Google Play may give the developer crash and performance reports about this app. Google says it shows the developer these reports only when it has enough data to make them anonymous. The app itself sends Google nothing, and it contacts no other app or online service when it starts.

Contacting the developer: what the support channel receives and how long it is kept

The app never sends anything to the developer. If you choose to write to support@dbrdev.com, the developer receives what you send: your email address, any name your email shows, your message and any attachment, and the details your email service adds, such as the time.

• Who is responsible: the developer named under "Who is responsible".
• Why: only to read and answer your message, and to keep a record of the conversation if you write again.
• Legal basis: Article 6(1)(f) of the UK GDPR and the GDPR, the developer's legitimate interest in answering messages.
• Who else sees it: the email provider that hosts the address, Porkbun LLC, United States, which stores the mail for the developer. The developer's transfer of your messages to the United States is covered by the UK International Data Transfer Agreement and the EU standard contractual clauses in Porkbun's data processing addendum. Nobody else, unless the law requires it. Your address is never used for marketing.
• How long it is kept: deleted 6 months after the conversation ends.

Your rights

For the messages the developer holds, you can ask for a copy, ask for a correction, ask for deletion, and object to the developer using them. Where the law gives you them, you can also ask the developer to restrict their use or to give them to you in a form you can move. Write to support@dbrdev.com.

Your right to complain

In the UK, you can complain to the data protection regulator: the Information Commission (known as the ICO), https://ico.org.uk/make-a-complaint/. In the EEA, you can complain to the data protection authority where you live or work.

No need to contact the developer, and no automated decisions

You never have to contact the developer to use the app. The developer makes no automated decisions about you.

The developer does not sell or share your personal information

The developer does not sell or share your personal information. Neither the app nor the developer tracks you across apps or websites, so there is nothing for a "Do Not Track" signal to switch off.

Children

This app is a tool for adults and is not directed at children. It collects no data from anyone, children included.

This website

This page is a static page. It sets no cookies and loads no fonts, scripts or analytics from other sites.

The page is hosted by Cloudflare, Inc., United States, which is certified to the UK Extension of the EU-US Data Privacy Framework (the UK-US data bridge). The host keeps server logs of visits: your IP address and traffic routing data, which Cloudflare processes to deliver this page; Cloudflare's privacy policy states no fixed period for keeping them.

Legal basis for those logs: Article 6(1)(f) of the UK GDPR and the GDPR, the developer's legitimate interest in publishing this page and keeping it available.

The rights listed under "Your rights" also apply to any log data the developer controls. Write to support@dbrdev.com.

Changes to this notice

If the app starts to collect or send any data, if it changes how it stores data, or if the way the developer handles support messages changes, this notice will change first, and the new date will appear at the top. The copy of this notice inside the app changes only with an app update; the latest version is the privacy policy linked from the app's Google Play listing.

Contact

Questions about this notice: support@dbrdev.com