Last Updated: February 4, 2026

1. Introduction

P&C Services Limited ("we", "our", or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how our mobile application "P&C Services" operates regarding your information. This policy is designed to comply with global privacy standards, including the General Data Protection Regulation (GDPR).

2. No Data Collection

Our application adheres to a strict "Privacy by Design" approach. We explicitly state that:

• We do NOT collect, store, process, or transmit any personal data.
• We do NOT use cookies, trackers, or analytics services.
• We do NOT request access to your device's sensitive permissions (e.g., location, camera, contacts).

3. Offline Functionality

The P&C Services app operates entirely offline. Any data you enter into the calculators (e.g., investment amounts, costs) is processed locally on your device's temporary memory (RAM) solely for the purpose of providing immediate results. This data is ephemeral and is permanently erased when you close the app or reset the calculator.

4. GDPR Notice (European Union Users)

For users in the European Union (EU) and European Economic Area (EEA), we act as the Data Controller. However, because we do not collect or process any personal data, there is no data for us to access, rectify, port, or delete.

If you have questions about your rights under the GDPR, you may contact us using the details below. You also have the right to lodge a complaint with your local data protection supervisory authority.

5. No Third-Party Disclosure

Since we do not collect user data, we do not share, sell, transfer, or disclose any information to third parties.

6. Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

P&C Services Limited
Auckland, New Zealand
support@pandc-services.site