Effective Date: February 17, 2025
Arkh Dev built the "Kalkulator Pinjaman Simulasi" app as an Ad-Supported app. This SERVICE is provided by Arkh Dev at no cost and is intended for use as is.
This page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service.
If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.
1. Information Collection and Use
We do not ask for or collect sensitive personal information such as usernames, passwords, bank account details, or PIN numbers. We do not store any personal information on our servers.
To maintain user data and settings, all financial inputs and simulation data entered into this application are stored strictly locally on your device and are not shared or transmitted to our servers or any external databases.
2. Artificial Intelligence (AI) Processing
Our Service utilizes Google Gemini Generative AI API to provide automated financial insights and simulation analysis. When you request an AI analysis, the App sends a temporary, anonymous string of your simulation numbers (such as income, loan amount, or interest rates) to the Google Gemini API.
No Personally Identifiable Information (PII) is attached to this data.
The data is transmitted securely and is strictly used to generate the requested textual analysis.
3. Third-Party Services
The app does use third-party services that may collect information used to identify you. Link to the privacy policy of third-party service providers used by the app:
Google Play Services
AdMob
Firebase Analytics
Firebase Crashlytics
4. Advertising
This Service uses mobile advertising identifiers to serve personalized ads. We share these identifiers with our advertising partners and ad-tech providers. By accepting this Privacy Policy, you consent to the use of mobile advertising identifiers used in this Service.
5. Analytics
We use third-party analytics tools, such as Firebase Analytics, to help us measure traffic and usage trends for the Service. Firebase Analytics collects information such as how often users visit our Service and what pages they visit. We use this information solely to improve our Service.
6. Links to Other Sites
This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
7. Children’s Privacy
These Services do not address anyone under the age of 16. We do not knowingly collect personally identifiable information from children under 16. In the case we discover that a child under 16 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.
8. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted on this page.
9. Financial Disclaimer
The "Kalkulator Pinjaman Simulasi" app is designed solely for informational and educational purposes. It functions as a calculator tool to provide financial estimates based on user input. We are not a financial institution, bank, or loan provider. The results generated by this app, including insights from our AI, do not constitute professional financial advice. Arkh Dev shall not be held liable for any financial decisions, losses, or damages made based on the information provided by this Service.
10. Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at: arkh.dev08@gmail.com