Privacy Policy

Privacy Policy - EMI Calculator & Loan Planner

Privacy Policy

Last Updated: [Insert Date]

This Privacy Policy describes how EMI Calculator & Loan Planner ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application (the "App"). We are committed to protecting your privacy and ensuring transparency about our data practices.

Information We Collect

1. Information We DO NOT Collect

  • Personal Information: We do not collect your name, email address, phone number, or any personal identification information.
  • Financial Data: We do not store, transmit, or access any of your financial calculations, loan amounts, EMI details, or any financial information you enter in the app.
  • Location Data: We do not access or collect your device location information.
  • Account Information: We do not require account creation or login.

2. Information We Collect Automatically

App Usage Analytics

We collect anonymous information via Firebase Analytics, including:

  • App interactions and feature usage
  • App performance data and crash logs
  • Diagnostic information to improve functionality
  • Session duration and usage patterns

Advertising Information

We collect device identifiers through Google AdMob:

  • Advertising ID
  • Device info for ad personalization
  • Ad interaction data

How We Use Information

Analytics Data

  • Improve app performance and fix bugs
  • Understand feature popularity
  • Enhance user experience
  • Monitor crashes and issues

Advertising Data

  • Display relevant ads
  • Measure ad performance
  • Provide personalized ads

Data Sharing and Third Parties

We share limited data with the following third-party providers:

  • Google LLC
    Services: Firebase Analytics, Google AdMob
    Data Shared: App usage, device identifiers, crash logs
    Purpose: Analytics, advertising, performance monitoring
    Privacy Policy: https://policies.google.com/privacy

We do not sell or trade your information with any other third parties.

Data Security

  • Encryption: Data transmitted between your device and our servers is encrypted in transit using industry-standard protocols.
  • Local Processing: All calculations are performed locally on your device. No financial data is transmitted or stored.

Data Retention and Deletion

  • We only collect anonymous data that cannot be linked to users.
  • You can delete local app data by:
    • Uninstalling and reinstalling the app
    • Clearing app data in device settings

Your Rights and Choices

Advertising

  • Limit ad tracking in:
    • Android: Settings > Google > Ads > Opt out of Ads Personalization
  • You may reset your advertising ID from device settings.

Analytics

Analytics data collection is essential for app performance and cannot be disabled. All analytics data is anonymous and not linked to you.

Children's Privacy

We do not knowingly collect personal information from children under 13. Our app is safe for all age groups. No personal information is collected from any users.

App Functionality

  • EMI Calculations: All loan calculations are performed locally.
  • PDF Reports: Generated and stored locally on your device.
  • Finance News: Fetched via third-party RSS feeds. We do not track what you read.

Offline Usage

All core calculator features work completely offline. Internet is not required for EMI calculations.

Changes to This Privacy Policy

We may update this policy from time to time. Updates will:

  • Be reflected in the "Last Updated" date above
  • Be announced via app updates if significant

Legal Compliance

This policy complies with the following regulations:

  • Google Play Developer Policy
  • GDPR (General Data Protection Regulation)
  • CCPA (California Consumer Privacy Act)
  • COPPA (Children’s Online Privacy Protection Act)

Contact Information

If you have questions, contact us:

Disclaimer

This app is a financial calculator only. We do not offer loans, banking services, or financial advice. Calculations are for informational purposes only. Consult a financial advisor before making decisions.

Consent

By using EMI Calculator & Loan Planner, you agree to this Privacy Policy. If you do not agree, please do not use the app.

Summary

  • ✅ No personal or financial information collected
  • ✅ All calculations done locally on your device
  • ✅ Only anonymous analytics and ad data collected
  • ✅ Data encrypted in transit
  • ✅ No account needed
  • ✅ Safe for all age groups

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