Privacy Policy — My Loan EMI Calculator App
Developer / Company Name: My Productivity Apps
Contact Email: dineshramapps@gmail.com
Last Updated: 1 January 2026
1. Introduction
My Productivity Apps built the My Loan EMI Calculator App as a free application. This SERVICE is provided by My Productivity Apps and is intended for use as is.
This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
a) Personal Information
We do not directly collect personal information such as:
Name
Phone number
Email address
Physical address
Financial account or loan details
All calculations are performed locally on your device.
Note: Third-party services (Google AdMob, Firebase) may collect limited information as described below.
b) Automatically Collected Information
The app may automatically collect limited technical and usage information, including:
Device model, manufacturer, and operating system version
App version and feature usage data
Crash logs and diagnostic information
IP address (used for analytics, security, and fraud prevention)
Advertising ID (only when advertisements are enabled)
This information is not linked to your real-world identity and is collected through trusted third-party SDKs such as Firebase and Google AdMob.
3. Loan Calculations & User Data
Loan amount, interest rate, tenure, and EMI calculations are entered by the user
All calculations are processed entirely on the device
We do not store, upload, or access loan data on our servers
No financial or calculation data is shared with third parties
Your financial inputs remain private and under your full control
4. Permissions Used
The app requests the following permissions strictly to provide core functionality:
Internet – Advertisements, analytics, updates, and remote configuration
Access Network State – Detect internet connectivity
Advertising ID (AD_ID) – Display and measure advertisements
All permissions are used only for their stated purpose.
5. Advertising (Google AdMob)
The app displays advertisements using Google AdMob. AdMob may collect:
Advertising ID
Approximate location (derived from IP address)
Device and usage information
This data is used to:
Display advertisements
Measure ad performance
Prevent fraud and abuse
Users can opt out of personalized advertising through their device ad settings.
6. Third-Party Services
The app uses the following third-party services that may collect information as described in their privacy policies:
Google Play Services – https://policies.google.com/privacy
Firebase Analytics – https://firebase.google.com/policies/analytics
Firebase Crashlytics – https://firebase.google.com/support/privacy
These services operate under their own privacy policies.
7. Use of Collected Data
Collected data is used to:
Improve app functionality and user experience
Analyze usage and performance
Detect, fix, and prevent crashes
Display advertisements
Ensure security and prevent misuse
8. Data Sharing
We do not sell, rent, or trade users’ personal data.
Data may be shared only:
With trusted third-party services required for app functionality
To comply with legal obligations
To protect users, the app, and legal rights
9. Data Storage & Security
Data is handled using industry-standard security practices
Secure communication (HTTPS) is used where applicable
Reasonable safeguards are in place to prevent unauthorized access or disclosure
10. GDPR, EU & CCPA Privacy Rights
A. GDPR (European Union Users)
If you are located in the European Economic Area (EEA), you have the right to:
Access, correct, delete, restrict, or object to the processing of your data
Request data portability
B. EU User Consent (Ads & Analytics)
Personalized ads are shown only with consent where required
Consent can be withdrawn at any time
Non-personalized ads may be shown if consent is declined
C. CCPA (California Residents)
California residents have the right to:
Know what data is collected
Request deletion
Opt out of the sale or sharing of data
We do not sell personal information and do not discriminate against users for exercising their rights.
D. Data Retention
Analytics and crash data are stored only as long as necessary and then automatically deleted.
E. Exercising Your Rights
To exercise your rights, contact us at:
dineshramapps@gmail.com
11. Children’s Privacy
This Service does not target children under the age of 13.
We do not knowingly collect personal information from children.
If such data is discovered, it will be deleted immediately.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Any changes will be posted on this page with an updated “Last Updated” date.
13. Contact Us
If you have any questions or concerns about this Privacy Policy, contact us at: dineshramapps@gmail.com