Privacy Policy
**Privacy Policy — Personal Loan: Loan Calculator**
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**PRIVACY POLICY**
**App Name:** Personal Loan: Loan Calculator
**Effective Date:** May 23, 2026
**Last Updated:** May 23, 2026
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**1. INTRODUCTION**
Welcome to Personal Loan: Loan Calculator("App", "we", "our", or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application. Please read this policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the App.
We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of this Privacy Policy.
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**2. IMPORTANT DISCLAIMER**
Personal Loan: Loan Calculator is an educational loan guidance application only. We do not:
- Provide any financial services
- Offer, approve, or disburse any loans
- Act as a lender, broker, or financial advisor
- Collect or process any loan applications
- Store your financial account credentials
All content within the App is for informational and educational purposes only and does not constitute financial, legal, or investment advice.
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**3. INFORMATION WE COLLECT**
**3.1 Information You Provide Voluntarily**
We may collect information that you voluntarily provide when using the App, including:
- Responses to in-app questionnaire (loan purpose, income range, employment type, credit score range)
- Calculator inputs (loan amount, interest rate, tenure values)
- Feedback or support requests submitted through the App
Note: All questionnaire and calculator inputs are processed locally on your device and are not transmitted to our servers.
**3.2 Automatically Collected Information**
When you use the App, we may automatically collect certain information, including:
- Device information (device type, operating system version, unique device identifiers)
- App usage data (features accessed, time spent, screens viewed)
- Crash reports and performance data
- IP address and approximate geographic location (country/region level only)
- Language and locale settings (used to display appropriate currency symbols)
**3.3 Information We Do NOT Collect**
We do not collect:
- Your full name, email address, or phone number (unless you contact us directly)
- Bank account numbers, credit card numbers, or financial account details
- Your actual credit score or credit report
- Social Security Number, PAN, Aadhaar, or any government-issued ID numbers
- Precise GPS location
- Contacts, photos, camera, or microphone data
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**4. HOW WE USE YOUR INFORMATION**
We use the information we collect to:
- Operate, maintain, and improve the App
- Personalize your experience within the App
- Analyze usage patterns to enhance features and content
- Diagnose technical issues and fix bugs
- Comply with legal obligations
- Display the appropriate currency symbol based on your device locale
- Respond to your comments, questions, and support requests
We do not use your information to make lending decisions or credit assessments of any kind.
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**5. THIRD-PARTY SERVICES**
**5.1 Analytics**
We may use third-party analytics tools (such as Google Analytics for Firebase or similar services) to help us understand how users interact with the App. These services may collect certain usage data automatically.
**5.2 Advertising**
The App may display advertisements served by third-party advertising networks, including Google AdMob. These advertising partners may use cookies, device identifiers, or similar technologies to:
- Serve ads relevant to your interests
- Measure ad performance
- Frequency cap advertisements
Google AdMob may collect and use data in accordance with Google's Privacy Policy available at: https://policies.google.com/privacy
You may opt out of interest-based advertising by visiting your device settings:
- iOS: Settings → Privacy → Advertising → Limit Ad Tracking
- Android: Settings → Google → Ads → Opt out of Ads Personalization
**5.3 Third-Party Links**
The App may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any information.
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**6. DATA SHARING AND DISCLOSURE**
We do not sell, trade, rent, or otherwise share your personal information with third parties for their marketing purposes.
We may share your information only in the following limited circumstances:
- **Service Providers:** With vendors and service providers who assist us in operating the App (analytics, crash reporting, hosting), bound by confidentiality obligations
- **Legal Requirements:** If required by law, court order, or governmental authority
- **Safety:** To protect the rights, property, or safety of our users or the public
- **Business Transfer:** In connection with a merger, acquisition, or sale of assets, with prior notice to users
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**7. DATA RETENTION**
We retain automatically collected usage data for up to 24 months for analytics purposes. Questionnaire responses and calculator inputs entered within the App are stored locally on your device only and are not retained on our servers. You may clear this data at any time by uninstalling the App.
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**8. DATA SECURITY**
We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
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**9. CHILDREN'S PRIVACY**
The App is not directed to children under the age of 13 (or under 16 in certain jurisdictions). We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us and we will take steps to delete such information.
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**10. YOUR RIGHTS AND CHOICES**
Depending on your location, you may have the following rights regarding your personal information:
- **Access:** Request a copy of the information we hold about you
- **Correction:** Request correction of inaccurate information
- **Deletion:** Request deletion of your personal information
- **Opt-Out:** Opt out of interest-based advertising as described in Section 5.2
- **Withdrawal:** Withdraw consent where processing is based on consent
To exercise any of these rights, please contact us using the information provided in Section 13.
**For California Residents (CCPA):** You have the right to know what personal information is collected, used, shared, or sold. We do not sell personal information. You may submit a request by contacting us directly.
**For European Residents (GDPR):** Your personal data is processed on the basis of legitimate interests in operating and improving the App. You have rights of access, rectification, erasure, restriction, and portability.
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**11. INTERNATIONAL DATA TRANSFERS**
Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have different data protection laws. We take appropriate safeguards to ensure that your information receives an adequate level of protection.
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**12. CHANGES TO THIS PRIVACY POLICY**
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Updating the "Last Updated" date at the top of this policy
- Displaying a prominent notice within the App
Your continued use of the App after the effective date of the revised policy constitutes your acceptance of the changes.
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**13. CONTACT US**
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:*
**Email:**sureshbhaikukadiya1977@gmail.com