LoanSmart – EMI Loan Calculator

Effective Date: August 30, 2025

LoanSmart – EMI Loan Calculator ("we", "our", or "us") operates the mobile application LoanSmart – EMI Loan Calculator (the "App"). This Privacy Policy explains how we handle user information when you use our App and complies with Google Play Store Data Safety requirements.

1. Information We Collect

Personal Information

• Our App does not require or collect any personal information such as your name, phone number, email address, Aadhaar number, PAN, bank details, or financial account information.
  
  

• The financial inputs you enter (loan amount, interest rate, tenure, salary, budget, GST percentage, etc.) are processed locally on your device only.
  
  

• We do not store, transmit, or share these calculation values with any third party.
  
  

Third-Party Data Collection

While our app doesn't collect personal data, third-party services integrated into our app may collect certain information:

• Google AdMob may collect device identifiers (Advertising ID), app usage data, device information, approximate location, and interaction data for ad personalization, delivery, frequency capping, fraud prevention, and analytics.
  
  

• This data may be processed and shared with Google's advertising partners according to Google's Privacy Policy.
  
  

2. Data Safety Alignment

This Privacy Policy aligns with our Google Play Console Data Safety disclosures:

• Data collected by our app: None
  
  

• Data shared by our app: None
  
  

• Data collected by third-party SDKs: Device identifiers, app usage data (via AdMob)
  
  

• Security practices: Data transmission encrypted and cannot be deleted upon request (for third-party collected data)
  
  

3. App Features

The App provides financial calculation tools only, including:

• Loan & EMI Calculators
  
  

• SIP, FD, RD, PPF & Lumpsum Investment Calculators
  
  

• Pension & Retirement Calculators
  
  

• Lease, Rent & Salary Calculators
  
  

• Budget & Expense Planning Tools
  
  

• GST & Tax Calculators
  
  

Important: These features are provided as financial planning tools only. The App does not provide loans, credit services, financial advice, investment services, or any financial products.

4. Android Permissions Used

The App requests the following Android permissions:

• INTERNET – Required to display advertisements and fetch necessary app resources
  
  

• ACCESS_NETWORK_STATE – To check internet connectivity status for optimal app performance
  
  

• ACCESS_WIFI_STATE & CHANGE_WIFI_STATE – To optimize network usage for advertisements and analytics
  
  

• POST_NOTIFICATIONS – To send important app-related notifications (requires user consent on Android 13+, completely optional)
  
  

• com.google.android.gms.permission.AD_ID – Required for personalized and non-personalized advertisements via Google AdMob
  
  

We do not misuse these permissions and they are used solely for the stated purposes.

5. Advertisements and Third-Party Services

Ad Display

• The App displays third-party advertisements through Google AdMob
  
  

• Ads may be personalized or non-personalized based on your preferences and applicable laws
  
  

AdMob Data Collection

Google AdMob may collect and process:

• Device Information: Device model, operating system, screen size
  
  

• Advertising ID: Unique identifier for advertising purposes
  
  

• App Usage Data: How you interact with the app and ads
  
  

• Location Data: Approximate location (if location permissions granted)
  
  

• Ad Interaction Data: Clicks, views, and engagement with advertisements
  
  

Data Usage by AdMob

This data may be used for:

• Ad personalization and targeting
  
  

• Ad delivery and frequency capping
  
  

• Fraud prevention and security
  
  

• Performance analytics and reporting
  
  

• Sharing with Google's advertising partners
  
  

For complete details, please review the Google AdMob Privacy Policy and Google Ads Privacy Policy.

6. User Control and Rights

Ad Preferences

You can control advertising preferences through:

• Reset Advertising ID: Go to Settings > Privacy > Ads > Reset Advertising ID
  
  

• Opt out of Personalized Ads: Go to Settings > Privacy > Ads > Opt out of Ads Personalization
  
  

• Google Ad Settings: Visit Google Ad Settings to manage personalization
  
  

Notifications

• Push notifications require your explicit consent on Android 13+
  
  

• You can disable notifications anytime in your device settings or app settings
  
  

Data Rights

• Access: Contact us to understand what data third parties may have collected
  
  

• Deletion: Request deletion of any data collected by third-party services
  
  

• Portability: Request transfer of your data where technically feasible
  
  

• Correction: Request correction of inaccurate data
  
  

7. Data Retention and Deletion

• Our App: We do not retain any user data on our servers
  
  

• Third-Party Services: Google AdMob retains data according to their retention policies (typically 26 months for advertising data)
  
  

• User Requests: Contact us for data deletion requests, which we will coordinate with relevant third-party services
  
  

• Account Deletion: Since no accounts are created, simply uninstalling the app removes all local data
  
  

8. Data Security

• All financial calculations are performed locally on your device using industry-standard encryption
  
  

• We implement appropriate technical and organizational measures to protect against unauthorized access
  
  

• Third-party services like AdMob use their own security measures as described in their policies
  
  

• No sensitive calculation data leaves your device
  
  

9. Children's Privacy (COPPA Compliance)

• Our app is designed to be family-friendly and safe for all ages
  
  

• We do not knowingly collect personal information from children under 13 years of age
  
  

• Our advertising is configured to comply with children's privacy requirements
  
  

• If we learn that a child under 13 has provided personal information, we will delete it immediately
  
  

• Parents can contact us regarding any concerns about their child's data
  
  

10. International Users and Legal Compliance

This policy complies with applicable privacy laws including:

• GDPR (General Data Protection Regulation) for EU users
  
  

• CCPA (California Consumer Privacy Act) for California residents
  
  

• COPPA (Children's Online Privacy Protection Act)
  
  

• India's Digital Personal Data Protection Act 2023
  
  

For EU users, your lawful basis for processing is legitimate interest for advertising and app functionality.

11. Disclaimer

• This App is intended for educational and informational purposes only
  
  

• Calculation results are approximate and may differ from actual financial outcomes
  
  

• Users are advised to consult with a qualified financial advisor or relevant authority before making financial decisions
  
  

• We are not responsible for any financial decisions made based on app calculations
  
  

• The app does not constitute financial, investment, or legal advice
  
  

12. Changes to This Privacy Policy

• We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements
  
  

• Updated versions will be posted within the App and on our website with a new effective date
  
  

• Material changes will be highlighted and may require your acknowledgment
  
  

• Continued use of the App after changes constitutes acceptance of the updated policy
  
  

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or data practices, please contact us:

📧 Email: vitabellaset@gmail.com
📱 App: Use the "Contact Us" option within the app
⏱️ Response Time: We aim to respond within 72 hours

For data protection inquiries specifically, please include "Privacy Policy" in your subject line.

Developer: LoanSmart Development Team
Last Updated: August 30, 2025
Version: 1.0

This Privacy Policy is effective as of the date listed above and applies to all users of the LoanSmart – EMI Loan Calculator mobile application.