Privacy Policy & Terms of Service
EMI Calculator: Loan, SIP, FD
Last Updated: June 03, 2026
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PRIVACY POLICY
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Overview
EMI Calculator: Loan, SIP, FD ("the App") is developed by GRTech. We respect your privacy and are committed to being transparent about how the App works. This Privacy Policy explains what data is collected, by whom, and how it is used.
Information We Collect
GRTech does not collect, store, or process any personal information on its own servers.
All calculations performed within the App, including EMI, SIP, FD, RD, PPF, GST, and other financial calculations, are processed locally on your device and are never transmitted to us.
Third-Party Services
Although we do not collect personal information ourselves, the App uses third-party services that may collect certain information automatically.
a) Google AdMob (Free Users Only)
Free users may see advertisements served by Google AdMob.
Google AdMob may collect:
• Advertising ID
• IP address
• Device information (model, manufacturer, OS version)
• App interaction and usage data
This information may be used to provide and improve advertising services.
Google Privacy Policy: https://policies.google.com/privacy
b) Google Play Billing
Premium subscriptions and one-time purchases are processed securely through Google Play.
We do not collect, store, or have access to:
• Credit card or debit card information
• UPI details
• Bank account information
• Payment credentials
All payment processing and subscription management are handled entirely by Google.
Google Privacy Policy: https://policies.google.com/privacy
In-App Purchases & Premium Plans
The App offers premium plans that remove advertisements.
Available plans:
• Monthly Subscription (auto-renewing)
• Yearly Subscription (auto-renewing)
• Lifetime Purchase (one-time payment)
Prices may vary by country and are always displayed within the Google Play purchase screen before purchase.
Internet Access & Permissions
The App uses internet access only for:
• Displaying advertisements (free users only)
• Processing in-app purchases and subscription validation
• Loading Google Play Billing services
Most calculator features including EMI, SIP, FD, RD, GST, PPF, and Loan Summary work completely offline.
The App does not request access to:
• Contacts
• Camera or Microphone
• Photos or Media Files
• Location Services
• SMS Messages
Data Security
Since we do not collect or store personal information on our own servers, there is no user database maintained by GRTech.
Payment transactions are secured and processed by Google Play using industry-standard encryption.
Children's Privacy
This App is not directed toward children under the age of 13.
We do not knowingly collect personal information from children. If you believe a child has provided personal information through the App, please contact us and we will take appropriate action.
Your Rights
Because we do not store personal data, we are generally unable to provide, modify, or delete personal information on behalf of users.
For information collected by Google services, manage your privacy settings at:
https://myaccount.google.com/privacy
Advertising Choices
You can manage personalized advertising preferences by:
• Opening your device Settings
• Selecting Google → Ads
• Managing your advertising preferences
Or upgrade to Premium to remove all ads entirely.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised "Last Updated" date. Continued use of the App after changes constitutes acceptance of the revised policy.
Contact Us
GRTech
Email: grtech40@gmail.com
We aim to respond within 2–3 business days.
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TERMS OF SERVICE
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Acceptance of Terms
By downloading or using this App, you agree to these Terms of Service. If you do not agree, please do not use the App.
Subscription Plans
The App offers the following premium plans:
• Monthly Plan: auto-renewing monthly subscription
• Yearly Plan: auto-renewing yearly subscription
• Lifetime Plan: one-time payment, no renewal
Prices are displayed in Google Play before purchase and may vary by region.
Billing & Auto-Renewal
Monthly and Yearly plans automatically renew unless cancelled at least 24 hours before the end of the current billing period.
Your Google Play account will be charged upon confirmation of purchase and at the start of each renewal period.
Cancellation
To cancel a subscription:
• Open Google Play Store
• Go to Subscriptions
• Select this App and cancel
Cancellation takes effect at the end of the current billing period. You will retain premium access until then. Uninstalling the App does not cancel your subscription.
Refunds
Refunds are handled by Google Play in accordance with their refund policy. Lifetime purchases are non-refundable.
For billing support, contact us at grtech40@gmail.com before raising a dispute with Google or your bank.
Free Version & Ads
The free version of the App displays advertisements served by Google AdMob. Upgrading to Premium removes all advertisements.
Changes to the App
We reserve the right to modify, update, or discontinue any feature of the App at any time. Premium benefits may evolve with app updates.
Limitation of Liability
The App provides financial calculations for informational purposes only. GRTech is not responsible for any financial decisions made based on the App's calculations. Always verify important calculations independently before making financial decisions.
Changes to Terms
We may update these Terms from time to time. Continued use of the App after changes constitutes acceptance of the updated Terms. Changes will be reflected with a revised "Last Updated" date.
Governing Law
These Terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in India.
Contact Us
GRTech
Email: grtech40@gmail.com
We aim to respond within 2–3 business days.