Privacy Policy
Effective Date: June 17, 2026
This Privacy Policy describes our policies and procedures on the collection, use, and disclosure of your information when you use the Service (Loan Calculator Plus) and tells you about your privacy rights and how the law protects you.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
1.1 Personal Data
Loan Calculator Plus does not require account registration and does not collect any personal data that could directly identify you, such as your name, email address, phone number, or home address. All loan calculations, repayment schedules, and financial inputs are processed entirely on your local device and are never transmitted to our servers.
Your financial data — including loan amounts, interest rates, and repayment plans — is stored only on your device and is never uploaded, shared, or accessed by us.
1.2 Usage Data
Usage Data is collected automatically when you use the Service. This may include:
•Your device's Internet Protocol (IP) address
•Device type, model, and manufacturer (OEM name)
•Operating system name, version, and build number
•Mobile browser type and version (if applicable)
•Unique device identifiers (e.g., IDFA on iOS, Android Advertising ID)
•App version number, build, and SDK version
•Screen size and pixel density
•System language, country, and locale settings
•Time zone and mobile carrier information
•Time and date of App sessions and feature usage
•In-app navigation paths and feature interaction data
•Device mute status (used in relation to reminder and notification features)
1.3 Crash Reports & Diagnostics
To provide a stable, high-quality experience, we have integrated analytics and crash reporting tools in the App. These tools are used exclusively for crash targeting, performance diagnostics, and A/B testing of new features. They do not collect health data or sensitive personal information. Diagnostic data collected includes:
Device Information:
•Screen size and resolution, OEM name, and device model
System Information:
•OS name, version, and build; time zone; system language; mobile carrier name and country
Location Information:
•Locale and country area (region-level only — not precise GPS location)
Application Information:
•App name, build number, version, SDK name and version
All diagnostic and analytics data is collected in anonymized, aggregated form and cannot be used to identify you as an individual.
2. How We Use Your Information
The non-personal data we collect is used solely for the following purposes:
•To operate, maintain, and continuously improve the performance, features, and stability of Loan Calculator Plus.
•To analyze user interaction patterns and usage trends to guide product improvements and new feature development.
•To identify, diagnose, and resolve technical issues, bugs, and crashes as rapidly as possible.
•To assess the effectiveness of existing features and ensure App compatibility across devices and OS versions.
•To deliver a personalized App experience through preference-based configuration (e.g., language, currency, theme).
•To serve relevant advertisements in the free version of the App (see Section 5 for details).
We do not use your data to build individual profiles, make automated decisions about you, or share your data for any purpose beyond what is described in this Privacy Policy.
3. Your Consent and Our Use of Your Personal Data
Except as provided in this Privacy Policy, we will not transfer any of your personal data to third parties without your explicit consent. We may use collected information for the following purposes:
•To send push notifications regarding updates, new features, or important service-related communications, where you have granted notification permissions.
•To respond to and manage your support requests and feedback submissions.
•To comply with legal obligations, enforce our Terms of Service, and resolve disputes.
4. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information to any third party. We may share limited non-personal data in the following circumstances:
With Service Providers:
We may share anonymized, non-personal data with trusted service providers who help us operate the App, including analytics providers, advertising networks, and crash reporting services. All providers are bound by data processing agreements and may only use data to deliver their services to us.
Third-Party Advertisers:
We may use third-party advertising companies to serve ads within the App. These companies may use device identifiers to serve interest-based advertisements.
We NEVER share your loan inputs, calculation results, or any financial data you enter in the App with third-party advertisers.
Analytics Providers:
We use Google Analytics via Firebase to measure usage trends and App performance. Data shared is aggregated and anonymized, used only for internal statistical and product improvement purposes.
For Business Transfers:
In the event of a merger, acquisition, or sale of assets, your information may be transferred. We will provide advance notice before your data becomes subject to a different privacy policy.
With Affiliates and Business Partners:
We may share information with affiliates or business partners to offer relevant products, services, or promotions. All such parties are required to honor this Privacy Policy.
Legal Requirements:
We may disclose your information when required by law, court order, or to protect the rights, property, or safety of Loan Calculator Plus, our users, or the public.
5. Third-Party Services
Loan Calculator Plus integrates the following trusted third-party services to support advertising, analytics, and performance monitoring:
Google AdMob (Advertising):
•Serves advertisements in the free version of the App to fund ongoing development and maintenance.
•May collect device identifiers and usage signals to serve personalized or contextual ads.
•Opt-out on iOS: Settings > Privacy & Security > Tracking > disable app tracking.
•Opt-out on Android: Settings > Google > Ads > Delete advertising ID.
•Privacy Policy: https://policies.google.com/technologies/ads
Google Analytics for Firebase (Analytics & Crash Reporting):
•Collects anonymized usage events, session metrics, and crash/error reports to help us improve the App.
•No personally identifiable information is collected through Firebase Analytics.
•Firebase Privacy Policy: https://firebase.google.com/support/privacy
•Google Privacy Policy: https://policies.google.com/privacy
We do not integrate any third-party SDK that accesses or transmits your personal financial data, loan calculations, or repayment history. All such data remains on your device at all times.
6. Retention of Your Personal Data
We retain non-personal analytics and diagnostic data only for as long as necessary to fulfill the purposes described in this Privacy Policy:
•Crash reports and performance logs: retained for up to 12 months.
•Aggregated usage analytics: retained for up to 24 months.
•Support correspondence (if you contact us): retained for up to 3 years for dispute resolution purposes.
All financial data you enter in the App is stored only on your device and not subject to any server-side retention policy. You may delete this data at any time by clearing the App's local storage or uninstalling the App.
7. Security of Your Personal Data
The security of your information is a top priority. We implement commercially reasonable administrative, technical, and physical safeguards, including:
•Encryption of all data in transit using TLS (Transport Layer Security) and at rest using industry-standard protocols.
•Regular system vulnerability scanning and penetration testing to identify and address potential security gaps.
•Strict access controls ensuring only authorized personnel can access any collected analytics data.
•Data integrity protections and audit logging to detect and respond to unauthorized access attempts.
•Periodic data protection impact assessments to evaluate and mitigate privacy risks proactively.
While we strive to protect your data using the best available means, no method of electronic transmission or storage is entirely secure. We cannot guarantee absolute security. In the event of a confirmed data breach that affects your rights, we will notify you as required by applicable law.
8. Links to Other Websites
Our App or associated materials may contain links to third-party websites or services not operated by us. If you click on a third-party link, you will be directed to that site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy practices, or security of any third-party sites or services.
9. Children's Privacy
Loan Calculator Plus is not directed at children under the age of 13. We do not knowingly collect personally identifiable information from anyone under 13.
If you are a parent or legal guardian and believe your child has provided us with personal information without your consent, please contact us immediately. Upon verifying such a report, we will promptly delete the relevant data from our systems and take steps to prevent recurrence.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will:
•Post the updated Privacy Policy with a revised "Effective Date" at the top of this page.
•Display a prominent in-app notification for any material changes that significantly affect how we handle your data.
•Where required by applicable law, seek your renewed consent before implementing significant changes.
We encourage you to review this Privacy Policy periodically. Your continued use of Loan Calculator Plus following any changes constitutes your acceptance of the revised Policy.
11. Contact Us
Please note that submitting feedback, bug reports, or privacy inquiries is entirely voluntary. If you have any questions, concerns, or complaints regarding this Privacy Policy or our data handling practices, please contact us:
•Email: techosteg@gmail.com