## Privacy Policy for EMI Master
**Last updated:** June 11, 2026
### 1. Introduction
Welcome to **EMI Master** (“App”, “we”, “our”, or “us”), a loan EMI (Equated Monthly Installment) calculator published by **Kosadi Infotech** (“Developer”).
This Privacy Policy explains how we handle information when you download, install, and use EMI Master on your Android device. We are committed to protecting your privacy and being transparent about our practices.
By using EMI Master, you agree to the terms of this Privacy Policy.
### 2. App Information
- **App Name:** EMI Master
- **Package Name:** com.kosadiinfotech.emimaster
- **Developer:** Kosadi Infotech
- **Contact Email:** kosadiinfotech2026@gmail.com
- **Google Play Listing:** https://play.google.com/store/apps/details?id=com.kosadiinfotech.emimaster
### 3. Summary
EMI Master is designed as a **privacy-friendly, offline-first calculator**. We do **not** require you to create an account, and we do **not** collect, store, or transmit your personal information or loan calculation data to our servers.
All EMI calculations are performed **locally on your device**.
### 4. Information We Do Not Collect
We do **not** collect, store, or sell:
- Name, email address, phone number, or postal address
- Government ID or financial account numbers
- Location data
- Contacts, photos, files, or device identifiers for tracking
- Loan amounts, interest rates, processing fees, or EMI results entered in the App
We do **not** use third-party analytics, advertising SDKs, or behavioral tracking tools in the current version of the App.
### 5. Information Processed Locally on Your Device
When you use EMI Master, you may enter:
- Loan amount
- Interest rate (yearly)
- Processing fees
- Loan period (years or months)
This information is used **only on your device** to calculate and display:
- Monthly EMI
- Total interest
- Total payment
- Visual breakdown (chart and summary)
This data:
- Is processed in real time on your device
- Is **not** sent to our servers
- Is **not** persistently stored by the App after you close it (unless your device operating system temporarily keeps app state in memory)
- Can be cleared using the **Clear All** button within the App during an active session
### 6. User-Initiated Actions
Some features open other apps or services **only when you choose to use them**:
**Contact Us**
Opens your device’s email application with our support address pre-filled. Any information you include in an email is sent by admin@kosadiinfotech.in. We only receive what you voluntarily send us.
**Share App**
Opens your device’s share menu so you can share the App link with others. We do not receive information about whom you share with.
**Rate Us**
Opens the Google Play Store listing for EMI Master. Your interaction with Google Play is governed by [Google’s Privacy Policy](https://policies.google.com/privacy).
We do not control and are not responsible for the privacy practices of email providers, social platforms, or Google Play.
### 7. Permissions
EMI Master is built to work primarily as a local calculator. The App may request or use standard Android permissions required for basic functionality (such as network access to open external links like the Play Store when you tap **Rate Us**).
The App does **not** request access to sensitive permissions such as location, camera, microphone, contacts, or SMS for its core calculator features.
### 8. Third-Party Services
The current version of EMI Master does not integrate third-party analytics, advertising, or cloud storage services that collect your calculation data.
If you use features that link to external services (such as Google Play or your email app), those services may collect information according to their own privacy policies.
We may update the App in the future to include additional services. If that happens, we will update this Privacy Policy accordingly.
### 9. Children’s Privacy
EMI Master is a general-purpose financial calculator and is **not directed at children under the age of 13** (or the minimum age required in your country).
We do not knowingly collect personal information from children. If you believe a child has provided us with personal information through the **Contact Us** feature, please contact us and we will take appropriate steps to delete such information.
### 10. Data Security
Because your loan calculation inputs are processed locally and are not transmitted to our servers, the primary security of your information depends on the security of your device.
We recommend:
- Keeping your device software updated
- Using a screen lock or biometric protection
- Not sharing your device with unauthorized persons
No method of electronic storage is 100% secure, but we design EMI Master to minimize data exposure by avoiding server-side collection of your financial inputs.
### 11. Data Retention
We do **not** retain your calculation inputs on our servers because we do not receive them.
Information you send via email is retained only as long as necessary to respond to your inquiry and for legitimate business or legal purposes.
### 12. Your Rights
Depending on your location, you may have rights regarding personal data, such as access, correction, or deletion.
Because EMI Master does not collect personal data through the calculator itself, most data rights apply only to information you voluntarily send us by email. To exercise your rights, contact us at **kosadiinfotech2026@gmail.com**.
### 13. International Users
EMI Master may be available to users in different countries. If you use the App from outside India, your information may be processed according to the laws of your jurisdiction and this Privacy Policy.
### 14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the App, legal requirements, or our practices.
When we make changes, we will update the **“Last updated”** date at the top of this policy. Continued use of the App after changes are posted constitutes acceptance of the updated policy.
We encourage you to review this Privacy Policy periodically.
### 15. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or EMI Master, please contact us:
**Kosadi Infotech**
**Email:** kosadiinfotech2026@gmail.com