Privacy Policy — My Loan EMI Calculator App
Developer Name: Dinesh Ram
Contact Email: myscannerapps@gmail.com
Last Updated: 29 May 2026
1. Introduction
Dinesh Ram built the My Loan EMI Calculator App as a free application. This SERVICE is provided by Dinesh Ram 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 Collection and Usage
Based on the current technical structure of the app and Google Play Data Safety requirements, we declare the following:
a) Device & Other IDs (Advertising ID)
The app uses Google AdMob which may collect Device IDs and the Android Advertising ID (AAID). This is used for:
Displaying and personalizing advertisements.
Analytics and fraud prevention related to ad performance.
b) Cloud Messaging (Notifications)
The app uses Firebase Cloud Messaging (FCM) to send important updates or financial tips. A unique FCM token is used to route messages to your device. No personal information is linked to this token.
c) Personal & Financial Information
We do NOT collect any personal info (Name, Email, Phone).
We do NOT collect any financial info. All loan, EMI, and tax calculations are processed entirely on your device and are never transmitted to any server.
3. Permissions Used
The app requests only minimal permissions to provide core functionality:
Internet & Network State: To load advertisements and check connectivity.
Post Notifications: To send notifications (Android 13+).
Vibrate: To provide feedback for notifications.
Advertising ID (AD_ID): Required for AdMob functionality.
4. Third-Party Services
The app uses the following services that may collect information as described in their privacy policies:
Google Play Services: https://policies.google.com/privacy
Firebase Messaging: https://firebase.google.com/support/privacy
5. Data Security and Deletion
Encryption: All data handled by third-party SDKs is encrypted in transit via HTTPS.
User Control: Since we do not store your data on our own servers, you can stop all data collection by:
Uninstalling the application.
Resetting your Advertising ID in your device settings.
6. Advertising (Google AdMob)
The app displays ads provided by Google AdMob. These ads may be personalized based on your interests. You can opt-out of personalized advertising through your device's Android settings.
7. GDPR & CCPA Rights
EEA Users (GDPR): We use the User Messaging Platform (UMP) to obtain your explicit consent before showing personalized ads. You can change your preferences at any time.
California Residents (CCPA): We do not sell user data. You have the right to know what is collected and manage it via device settings.
8. Children’s Privacy
This Service does not target children under the age of 13. We do not knowingly collect personal data from children.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with a new "Last Updated" date.
10. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at: myscannerapps@gmail.com