Privacy Policy for Loans in Ghana

Effective Date: September 25, 2026

This Privacy Policy explains how the Loans in Ghana mobile application ("App", "we", "us", or "our") handles information when you use the App.

Loans in Ghana is an independent informational and financial-calculation application designed to help users understand loan concepts, estimate repayments, compare hypothetical loan scenarios, and learn about different types of loans available in Ghana.

The App does not provide, issue, approve, arrange, broker, or facilitate loans.

We respect your privacy and have designed the App to operate without requiring you to create an account or provide personal information.


1. Information We Collect

Personal Information

Loans in Ghana does not directly collect personal information from users.

The App does not require:

The App's loan calculations can be performed without submitting personal information to us.


2. Financial Information Entered Into the App

The App may allow you to enter information such as:

These values are used to perform calculations and provide results within the App.

We do not collect or transmit these calculation inputs to our servers.

Where calculation history or saved calculations are available, they are stored locally on your device and are not submitted to us.

The App does not use these calculations to determine whether you qualify for an actual loan.


3. No Loan Services

Loans in Ghana is not a lender or financial institution.

The App does not:

Any calculations shown by the App are estimates for informational and educational purposes only.

Actual loan terms, interest, fees, eligibility requirements, and repayment amounts may differ between financial institutions and loan products.

Users should verify actual loan terms directly with the relevant financial institution before making financial decisions.


4. Advertising — Google AdMob

The App uses Google AdMob to display advertisements.

AdMob is provided by Google and may collect and process certain information automatically for purposes such as:

Depending on your device settings, consent choices, region, and applicable Google policies, advertising technologies may use information such as advertising identifiers and other device or app-related information.

We do not directly collect or control the information processed by Google AdMob.

Google may process information according to its own privacy policies and terms.

For more information about Google's privacy practices, please refer to Google's privacy documentation:

https://policies.google.com/privacy

You can also review Google's information regarding advertising and privacy controls:

https://policies.google.com/technologies/ads

Where legally required, applicable consent mechanisms may be presented to users before personalized advertising is enabled.


5. Advertising ID

The App may use advertising-related services provided by Google AdMob.

Depending on your device configuration, Android settings, applicable laws, and your consent choices, an advertising identifier may be available to advertising services.

You can manage advertising and privacy settings through your Android device and applicable Google settings.


6. Data Storage

Loans in Ghana is designed with a privacy-first approach.

Core calculations are performed locally on your device.

If the App provides a feature for saving calculations, those calculations are stored locally on your device rather than being uploaded to our servers.

We do not maintain a user account database for the App.


7. Data Retention

Information collected directly by us

We do not directly collect or maintain personal user information through the App.

Therefore, we do not maintain a personal-information retention period for information that we do not collect.

Locally stored calculation data

If you save calculations within the App, those calculations may remain stored locally on your device until:

Third-party advertising data

Information processed by Google AdMob is subject to Google's applicable retention policies and privacy practices rather than being controlled by us.


8. How to Delete Your Data

Because Loans in Ghana does not require an account and does not maintain a personal user database, there is no account that needs to be deleted from our servers.

If the App stores calculations or preferences locally on your device, you can delete them by using the deletion controls provided within the App.

You may also delete locally stored App data through your Android device settings.

You can permanently remove the locally stored App data by uninstalling the App from your device.

Uninstalling the App removes locally stored App data from your device, subject to the normal behavior of the Android operating system and any information independently processed by third-party services such as Google AdMob.


9. Third-Party Services

The App may use third-party services necessary to provide functionality, analytics, advertising, security, or other technical services.

Currently, the primary third-party advertising service used by the App is:

Google AdMob

Third-party services may process information according to their own privacy policies.

We recommend reviewing the privacy policies of applicable third-party service providers.


10. Children's Privacy

Loans in Ghana is not specifically directed toward children.

The App does not knowingly collect personal information from children.

If you believe that a child has provided personal information through the App, please contact us so that we can review the situation.


11. Data Security

We take reasonable measures to protect the information handled by the App.

Because the App does not maintain user accounts or transmit users' loan-calculation information to our servers, the App is designed to minimize the amount of personal information that we handle.

However, no electronic storage or transmission system can be guaranteed to be completely secure.


12. External Websites and Links

The App may contain links to external websites or resources for informational purposes.

When you open an external website, you leave the App and become subject to that website's privacy policy and terms.

We are not responsible for the privacy practices, content, security, or policies of third-party websites.

Users should review the privacy policy of any external website they visit.


13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to:

When changes are made, the updated Privacy Policy will display a new Effective Date.

Users are encouraged to review this Privacy Policy periodically.


14. Your Privacy Rights

Depending on your country or region, you may have privacy rights regarding personal information processed by third parties.

Because we do not directly collect or maintain a personal user account database, many requests concerning personal information may need to be directed to the applicable third-party service provider, such as Google, where that information is processed by the third party.

We will consider and respond to applicable privacy requests concerning information that we directly control.


15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the privacy practices of Loans in Ghana, please contact us through the contact information provided on the application's Google Play Store listing.

Email : rizwanalicbc@gmail.com


16. Important Disclaimer

Loans in Ghana is an independent informational and financial-calculation application.

The App does not provide, issue, approve, arrange, broker, or facilitate loans.

The App does not represent any bank, lender, microfinance institution, financial institution, government agency, or other lending organization unless explicitly stated.

Loan calculations are estimates and are provided for educational and informational purposes only. Actual loan costs may differ due to interest calculation methods, fees, insurance, taxes, repayment policies, rounding, and other lender-specific conditions.

Users should independently verify loan terms and conditions with the relevant financial institution before making financial decisions.


Last Updated: September 25, 2026