1. Introduction & Overview

This Privacy Policy applies to the mobile application Paystub Generator: Stub Maker ("the Application", "we", "our", or "us"), available on Google Play, and any related web services. It explains how information about you is collected, used, disclosed, and safeguarded when you access or use our payroll and paycheck generator services.

By installing, accessing, or using the Application, you consent to the data practices described in this Privacy Policy. If you do not agree, please do not use the Application.

2. Information We Collect

Depending on how you use the Application, we may collect the following types of information:

A. Information You Provide Directly

• Employer & Company Information: Company name, Employer Identification Number (EIN), business address, contact telephone, official email, and corporate logo images.
• Employee Information: Employee name, address, job title, department, employment hire date, masked Social Security Number (SSN, e.g., ***-**-1234), and pay schedule.
• Payroll & Financial Data: Hourly wage rates, salary figures, hours worked, overtime earnings, commission, bonuses, deductions (health insurance, 401k), and calculated taxes (Federal withholding, State tax, Social Security, and Medicare).
• Account Credentials: If you register an account, your email address and profile identifiers.

B. Information Collected Automatically

• Device Information: Device model, operating system version, unique device identifiers, language settings, and crash diagnostics to ensure app stability.
• Usage Analytics: Aggregated, non-personally identifiable app interaction metrics (e.g. features used, screen transitions) to help us improve user experience.

3. How We Use Your Information

We use the collected information strictly for legitimate operational purposes:

• To generate official, printable PDF paystubs, check stubs, and Employment Verification Letters (EVL).
• To calculate progressive 2026 US Federal and 50-State tax estimates, FICA withholdings, and Year-to-Date (YTD) totals.
• To maintain your local Company Hub, address book, and employee roster for 1-tap reuse.
• To facilitate secure in-app purchases and credit redemptions via Google Play Billing.
• To provide customer support and respond to deletion or verification inquiries.

4. Data Storage & Security Standards

We implement industry-standard administrative, technical, and physical safeguards:

• Local On-Device Encryption: Sensitive company and employee databases are protected with bank-grade 256-bit encryption on your local device storage.
• Transport Layer Security (TLS/HTTPS): Any network communications (such as tax rate updates or customer support submissions) are encrypted in transit via SSL/TLS protocols.
• Zero Cloud Selling: We do not upload your payroll records to external servers for data aggregation, profiling, or behavioral advertising.

5. Third-Party Services & Integrations

The Application interacts with trusted third-party providers that adhere to strict data security standards:

• Google Play In-App Billing: Processes digital stub credit purchases securely. Payment card numbers are processed directly by Google; we never see or store your payment card details.
• Google Play Services & Firebase: Provides crash reporting (Crashlytics) and essential system stability services.

6. User Rights: Access, Correction & Deletion

In accordance with global privacy regulations, including the California Consumer Privacy Act (CCPA) and General Data Protection Regulation (GDPR), you have the right to:

• Access & Export: View all saved companies, employees, and generated paystub PDFs directly in the app.
• Rectify & Edit: Update any company information, employee details, or tax rates at any time.
• Request Deletion (Right to be Forgotten): You may erase your account and all associated records either inside the app (Settings ➔ Delete Account) or through our dedicated web request portal:
  👉 Account & Data Deletion Portal

7. Data Retention Policy

We retain your information only as long as necessary to provide the services requested:

• Active Records: Retained locally on your device until you delete the app or clear app data.
• Upon Deletion Request: In-app deletions take effect immediately. Web deletion requests are fully verified and purged within 30 calendar days.
• Statutory Retention: Google Play transaction receipts are retained by Google according to commercial and tax regulations.

8. Children's Privacy

The Application is designed for business owners, independent contractors, and working adults. We do not knowingly collect or solicit personal information from children under the age of 13 (or under 16 in certain jurisdictions). If you believe a child has provided us with personal information, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements or app features. The revised policy will be posted on this page with an updated "Effective Date". We encourage you to review this page periodically.

10. Contact Us & Data Protection Officer

If you have questions, feedback, or requests regarding this Privacy Policy or your personal information, please contact: