Welcome to Loan Finance Calculator (hereinafter referred to as "the Application"). This Application is a financial calculation tool focused on providing you with loan estimation, income estimation, and other practical tools and services. We highly value your privacy and adhere to data security principles. This Privacy Policy aims to clearly inform you how the Application collects, uses, stores, and protects your relevant information, as well as your related rights. Please carefully read and understand all the contents of this Policy before using the Application. Your use of the Application constitutes your agreement to and acceptance of this Policy.
1. Information Collection and Use
All computational data in this application is processed locally on your device and is not uploaded to our servers, thus protecting your privacy and security to the greatest extent possible.
1.1 Locally processed information
To enable the core functionality of this application, the calculation data you actively input during use (including but not limited to loan amount, loan interest rate, loan term, deposit amount, deposit interest rate, etc.) will only be calculated and temporarily stored locally on your device to generate calculation results for your viewing. This data will not be uploaded to our servers or shared with any third party. When you close the application, the relevant temporary data will be automatically cleared according to your device's system settings.
1.2 Collection and use of non-personal information
To optimize application performance, troubleshoot issues, and improve user experience, we may collect a small amount of non-personal information. This information cannot identify you personally, and includes:
●Device information: such as device model, operating system version, and device unique identifier (used only to distinguish devices and not associated with personal identity);
●Application usage information: such as the number of times the application was launched, the functional modules used, and the duration of use. This information is only used to statistically analyze application usage and optimize feature design.
●Fault Logs: When the application crashes, encounters anomalies, or other issues, fault-related log information (without any personal information) may be automatically collected to troubleshoot and fix the problem and improve application stability.
The non-personal information we collect will only be used for the purposes described above, and will not be used for any other purpose or associated with any personal information.
1.3 Third-party services
This application uses third-party services, which may collect information used to identify you. Below are links to the privacy policies of the third-party service providers used by this application:
Google Play services: https://policies.google.com/privacy
AdMob: https://support.google.com/admob/answer/6128543
Facebook：https://www.facebook.com/privacy/explanation
AppsFlyer：https://www.appsflyer.com/legal/privacy-policy/
1.4 Log data
We would like to inform you that when you use our services, if an application encounters an error, we may collect data and information from your phone through third-party products (referred to as "log data"). This log data may contain the following information: your device's Internet Protocol ("IP") address, device name, operating system version, application configuration when using our services, the date and time you used the services, and other statistical information.
2. Information storage and protection
2.1 Information Storage
The calculation data you input is stored only on your local device and is not uploaded to our servers. There is no server storage of related data. Non-personal information will only be temporarily stored on our servers (for application optimization) for a period not exceeding 6 months. It will be automatically deleted after the expiration date and will not be used for any other purpose.
2.2 Safety Protection
We employ industry-leading security technologies and measures to protect the security of your device's local data and the non-personal information we collect, preventing unauthorized access, alteration, disclosure, or damage.
Please note that although we have taken security measures, no technology can completely guarantee the absolute security of information. You should take good care of your device to prevent it from being lost, stolen, or used illegally by others in order to protect your local data security.
3. Information sharing and disclosure
We promise not to share, transfer, or disclose any of your personal information to any third party, nor to share the computing data you process locally on your device.
Non-personal information collected may only be disclosed to third parties in the following circumstances:
●After obtaining your explicit consent;
●Information that must be disclosed to relevant departments according to laws and regulations, or mandatory requirements of judicial organs or administrative authorities;
●To protect the legitimate rights and interests of this application, users, or the public interest, information disclosed to a reasonable extent (excluding any personally identifiable information).
●When commissioning a third party to perform application performance optimization or troubleshooting, the third party shall provide the third party with non-personal data that does not contain personal information, and the third party shall strictly comply with the privacy protection requirements of this agreement and shall not use such data for other purposes.
4. Your Rights
Given the features of this application (no registration required, local data processing), you are entitled to the following privacy-related rights:
●Data viewing rights: You can view the calculation data you input and the calculation results generated in the application at any time;
●Data erasure right: You can delete all computing data stored on your device by clearing device cache, uninstalling applications, etc.
●Right to refuse: You can refuse our collection of non-personal information (some device systems support this setting), but this may affect some functions of the application;
●Right to know: You have the right to know about the collection, use, storage and protection of information in this application, and this agreement has clearly informed you of the relevant content.
If you believe your privacy rights have been violated, or have any related questions, please contact us using the contact information at the end of this agreement, and we will handle it for you promptly.
5. Application updates and protocol changes
We may revise this Privacy Policy based on application feature updates, changes in laws and regulations, etc. Your continued use of this application constitutes your agreement to the revised Privacy Policy; if you do not agree, you may stop using this application.
6. Protection of children's privacy
This application is not intended for children under the age of 13, nor does it intentionally collect any information from children under the age of 13. If you are the guardian of a child and discover that your child has mistakenly used this application and entered related data, please promptly clear the data on your device or uninstall the application. If you have any questions, please contact us for assistance.
7. Contact Us
If you have any questions or suggestions regarding this Privacy Policy, or believe that your privacy rights have been violated, you can contact us through the following methods:
Email address: keatskelly274@gmail.com
We will reply to your email and handle the relevant issues as soon as possible after receiving it.