Privacy Policy
Ready for FIRE! (“the app”, “we”, “us”) is a financial independence calculator and money course, published by H&Row STUDIO. The app asks about your money, so this policy exists to say exactly where those numbers go. The answer is: nowhere.
Last updated: 31 August 2026
Ready for FIRE! does not collect any data. At all.
There is no account and no sign-in. Your salary, savings, assets and plan never leave your phone, because the app has no permission to use the internet. The Android build declares no network permission whatsoever, so the operating system itself prevents the app from making a connection. This is not something you have to take on trust; it is enforced by Android.
1. What we collect
Nothing. We do not collect, transmit, sell or share any personal information. Ready for FIRE! has:
- No user accounts and no sign-in of any kind
- No analytics, no crash reporting, no attribution or tracking SDKs
- No servers of ours for anything to be sent to
- No access to location, camera, microphone, contacts or files
- No connection to any bank, broker or financial institution
- No advertising identifiers, and no profiling of any kind
2. What is stored on your device
Everything you enter is saved locally, on the phone itself, and never leaves it. That includes the figures you would least want shared: your monthly saving, your monthly spending in retirement, your current investments, anything you plan to leave behind, your birth date, your country and currency, your chosen retirement age and FIRE style, and the assumptions you set for returns, inflation and tax.
The app also stores your progress through the Financial Academy: which lessons you have read, your XP, your streak and your rank, plus your language, theme and share preferences. All of it lives in the app's own private storage, which other apps cannot read.
3. Erasing it
Uninstalling the app removes everything, permanently. You can also clear the app's storage from your device settings at any time. Because none of it is ever uploaded, there is nothing on our side to request, correct or delete. We do not have a copy and could not obtain one, even if you asked us to.
4. Sharing a card
If you tap Share, the app draws the picture on your device and hands it to your device's own share menu. We never receive the image and we do not see where it goes. Whichever app you then choose handles it under that app's own privacy policy.
You control what the card shows. Amounts can be hidden before you share, and the chart, the statistics and the character are each yours to switch on or off.
5. App updates on Android
On Android, the app can offer you a new version when one is published. That check is made by Google Play on the device, and the download is performed by the Play Store app, not by us. We receive nothing from it, and we learn nothing about you from it. Google's handling of the Play Store is governed by Google's own privacy policy. On iOS, updates are handled entirely by the App Store in the usual way.
6. Children's privacy
Ready for FIRE! is a personal finance tool intended for adults and for young people beginning to plan their own money. Because the app collects no personal information from anyone, it collects none from children. There is nothing to consent to, nothing is shared with third parties, and there is no way for anyone to be contacted or identified through the app. There is no chat, no messaging, no profiles and no user-generated content of any kind.
7. This is education, not financial advice
The app does arithmetic on the numbers you give it, and teaches the ideas behind that arithmetic. It is not a licensed financial adviser, it does not know your circumstances, and it makes no recommendation about any product, provider or investment. It never asks for and never touches real accounts or real money. Every figure it shows is a projection under assumptions you can see and change, not a promise about the future. What you decide to do with your money remains entirely your own decision.
8. Your rights
Privacy laws such as the GDPR and Indonesia's Personal Data Protection Law give you rights to access, correct, export and delete the personal data a company holds about you. In our case those rights are satisfied by design: we hold nothing. Your data sits on your device, under your control, and you can inspect or erase it at any moment without asking our permission.
9. Changes to this policy
If a future version of Ready for FIRE! ever collects anything, this page will be updated before that version is released, and the change will be described in the app's release notes on Google Play and the App Store.
10. Contact
Questions about this policy: H&Row STUDIO — handrowcahyadi@gmail.com.