Last Updated: 09 November 2026
Welcome to EMI Hisab – Loan & Finance Calculator (“EMI Hisab”, “we”, “our”, or “the App”).
EMI Hisab is a financial calculation and money-management utility designed to help users calculate Equated Monthly Installments (EMIs), compare loans, estimate interest and savings, manage loan-related calculations, convert currencies, and generate financial reports.
We respect your privacy and are committed to transparency about how information is handled when you use our App.
This Privacy Policy explains what information may be collected, how it is used, how it may be shared, and the choices available to you.
EMI Hisab allows you to enter financial information such as:
Loan amounts, interest rates, and repayment periods
EMI calculations and repayment schedules
Loan comparison and prepayment details
Savings, deposits, and interest calculations
Loan profile information and reminders
Calculation history, favorites, and preferences
Core financial calculations are performed locally on your device.
We do not require users to provide bank account numbers, credit card numbers, National ID numbers, passport details, or online banking credentials to use the calculator features.
Financial information entered into the App is not intentionally transmitted to our servers for calculation or storage.
The App may use third-party services that automatically collect limited technical and usage information.
Depending on the services enabled, this may include:
Device model and operating system
App version and technical diagnostics
App usage events and feature interactions
Advertising identifiers and related device identifiers
Advertisement impressions, clicks, and interactions
Approximate location inferred from IP address
Crash reports and performance information, where supported and enabled
This information may be processed by third-party service providers according to their privacy policies.
Some identifiers or usage information may constitute personal data under applicable privacy laws.
EMI Hisab may display advertisements through Google AdMob, a Google advertising service.
Google and its advertising partners may process information such as device identifiers, IP addresses, approximate location, advertising interactions, and other information necessary for advertising, measurement, fraud prevention, and service delivery.
Depending on your region, consent choices, and applicable laws, advertisements may be personalized or non-personalized.
Where required, the App may request advertising consent through Google's User Messaging Platform (UMP) or another supported consent mechanism.
You may be able to review or change your advertising privacy choices through the App's available privacy options or your device and Google account settings.
For more information:
Google Privacy Policy: https://policies.google.com/privacy
Google Advertising Technologies: https://policies.google.com/technologies/ads
EMI Hisab offers optional Premium features through Google Play Billing.
Available purchase options may include:
Monthly Premium
Yearly Premium
Lifetime Premium (one-time purchase)
Availability, pricing, billing periods, renewal terms, and cancellation conditions are determined by the offers presented through Google Play.
Payments are processed by Google Play.
We do not directly collect or store your full payment card details.
Google Play Billing provides purchase-related information required to verify purchases, restore entitlements, and manage Premium access. Such information may include product identifiers, purchase status, and purchase tokens.
Subscription renewal and expiration behavior depends on the specific Google Play plan purchased.
You can manage eligible subscriptions through:
https://play.google.com/store/account/subscriptions
Purchases and refunds are subject to applicable Google Play policies.
The App may store the following information locally on your device:
Calculation history
Favorite calculators or saved items
Loan profiles and related details
Selected currency and language
Light, dark, or system theme preferences
Other application settings
This information supports the App's functionality and user experience.
We do not intentionally upload locally saved financial calculations or loan profiles to our own servers.
Deleting application data or uninstalling the App generally removes locally stored information, subject to device backup and restoration behavior.
EMI Hisab allows users to generate financial reports and share calculation results.
Reports are generated using information entered into the App.
Generated PDF files may be saved on your device.
Users may choose to share reports or calculation results through other applications.
We do not intentionally upload generated reports to our own servers.
When you share a report using another application, that application's privacy practices and data handling policies apply.
We may use analytics functionality to understand App performance and improve features.
Depending on the enabled implementation, analytics may include:
Feature usage statistics
Screen navigation events
General interaction patterns
App version and technical information
Error and performance information
We aim to avoid including sensitive financial input values in analytics events.
Analytics data may be processed by third-party providers where configured.
Information processed through the App and its service providers may be used to:
Operate and maintain application functionality
Display and measure advertisements
Process and restore Premium purchases
Improve usability and performance
Diagnose technical issues
Prevent fraud and abuse
Meet applicable legal obligations
The App may integrate third-party services, including:
Google AdMob for advertisements
Google User Messaging Platform (UMP) for advertising consent management
Google Play Billing for purchases and subscriptions
Analytics, diagnostics, or other services where enabled
These providers may process information in accordance with their own privacy policies.
We do not sell users' locally entered financial calculations or loan profiles.
Information may be disclosed where necessary to comply with applicable law, protect rights and security, or operate the third-party services described in this Policy.
We take reasonable steps to reduce unnecessary access to information and minimize data collection.
However, no device, software application, or electronic transmission method can be guaranteed completely secure.
We encourage users to protect their devices using appropriate security measures.
Depending on your device, location, and available App functionality, you may:
Change application preferences
Delete locally stored application data
Uninstall the App
Manage Google Play subscriptions
Review advertising personalization settings
Manage advertising consent where supported
Contact us with privacy-related questions
For requests concerning data held by third-party providers, you may also need to contact those providers directly.
EMI Hisab is a general financial utility and is not specifically directed to children under the age of 13.
We do not knowingly request personal information from children under 13.
If you believe a child has provided personal information through the App or its services, please contact us so we can review the concern.
Third-party providers such as Google may process technical, advertising, purchase, or analytics information in countries outside your country of residence.
Such processing is governed by the applicable providers' privacy policies and relevant legal requirements.
EMI Hisab is an independent financial calculation tool.
The App:
Does not issue or provide loans
Does not act as a bank or lending institution
Does not provide personalized financial, investment, tax, or legal advice
Does not guarantee loan approval, repayment terms, or interest rates
All calculations are estimates for informational purposes.
Actual results may vary depending on lender policies, fees, compounding methods, exchange rates, and other financial conditions.
Users should verify important financial decisions with the relevant financial institution or a qualified professional.
We may update this Privacy Policy to reflect changes in App functionality, third-party services, legal requirements, or data practices.
The latest version will be published on the App's Privacy Policy page with an updated revision date.
If you have questions, concerns, or requests regarding this Privacy Policy, please contact:
App: EMI Hisab – Loan & Finance Calculator
Developer: BTech Creates
Email: btech.creates@gmail.com
Country: BD
© 2026 BTech Creates. All rights reserved.