Smart EMI & Loan Calculator • Effective date: 15th July 2026
This Privacy Policy explains how Smart EMI & Loan Calculator ("the App", "we", "us") handles information when you use the App. The App is developed and published by [Developer Name] ("Developer").
Smart EMI & Loan Calculator is designed to work fully offline. All loan, EMI, and interest calculations are performed entirely on your device — your loan amounts, interest rates, tenure inputs, and calculation history are never transmitted to us or stored on any server. We do not require account creation, sign-in, or any personal financial information to use the App.
The sections below explain what limited data is collected by third-party services bundled with the App (such as advertising and analytics SDKs), and the device permissions the App requests.
We do not collect your name, address, phone number, or email through the App.
We do not collect or transmit the loan amounts, interest rates, tenures, or any calculation results you enter.
We do not require any account registration or login.
Your calculation history and saved entries are stored locally on your device only, and are removed if you clear app data or uninstall the App.
The App uses third-party advertising and analytics providers to support free access to the App. These providers may automatically collect certain technical and device information, which is governed by their own privacy policies:
Service - Google AdMob / Google Play Services / Ad service
Purpose - Advertising, app services
Data typically collected - Advertising ID, device/network info, ad interaction data
These providers may use Advertising ID and device information to show relevant ads and measure ad performance, in line with Google Play's Advertising ID policy. You can reset or opt out of personalized advertising through your device's Google Settings > Ads menu at any time.
The App may request the following device permissions. Some are used directly by app features; others are included by bundled advertising SDKs for standard ad-serving functionality:
Internet / Network State — required to load and display ads.
Vibrate — for tap/interaction feedback.
Storage (Read/Write) — to optionally save or export calculation results you choose to share.
Other device/OEM permissions (e.g. notification badges, wake lock, boot-related) — bundled by third-party ad and notification SDKs for standard operation and are not actively used to collect personal data.
We are actively reviewing and reducing the permission set requested by this App to include only what is strictly necessary.
We do not sell your personal information. Limited technical data (such as Advertising ID) may be shared with the third-party advertising and analytics providers listed above, solely for the purposes of displaying ads and understanding app usage/performance.
Since your financial calculation data stays on your device and is not transmitted to us, there is no server-side storage of your inputs to secure. Any data collected by third-party SDKs is protected under those providers' own security practices.
The App is not directed at children under 13 (or the relevant age of consent in your country), and we do not knowingly collect personal information from children. If you believe a child has provided personal information through the App, please contact us so we can address it.
You can clear the App's local data or uninstall the App at any time to remove all locally stored history.
You can opt out of personalized ads via your device's advertising settings.
You can contact us with any privacy questions using the details below.
We may update this Privacy Policy from time to time to reflect changes in the App or legal requirements. Updates will be posted on this page with a revised effective date.
If you have questions about this Privacy Policy or how your data is handled, contact:
Amar Sura
Email: eyetoall79@gmail.com
App: Smart EMI & Loan Calculator