## Introduction
Loan Tracker ("the App") is designed to help users manage personal loan records, payments, and financial tracking. We respect your privacy and are committed to protecting your information.
## Information We Collect
The App may collect and process the following information:
* Google account email address (used for authentication and account approval)
* User-generated financial records stored within the App
* Backup files created by the user
* Google Drive access permission when the user chooses to use the backup feature
## How We Use Information
Information is used solely for:
* User authentication and account management
* Providing access to approved users
* Creating and restoring user-requested backups
* Improving application functionality and reliability
## Data Storage
Most application data is stored locally on the user's device.
If the backup feature is used:
* Backup files may be uploaded to the user's own Google Drive account.
* Backup files may be encrypted before upload.
* The developer does not have access to the contents of user backup files stored in the user's Google Drive.
## Data Sharing
We do not sell, rent, or share user data with third parties except when required by law.
## Google Sign-In
The App uses Google Sign-In for authentication. Your Google account information is handled according to Google's privacy policies.
## User Responsibility for Data
Users are solely responsible for maintaining and verifying their own data and backups.
The developer is not responsible for:
* Loss of data
* Corrupted backups
* Device failures
* Account access issues
* User mistakes resulting in deletion or modification of records
* Failure to create or maintain backups
Users are strongly encouraged to regularly create and verify backups of their data.
## Limitation of Liability
The App is provided on an "as-is" basis without warranties of any kind.
To the maximum extent permitted by law, the developer shall not be liable for any direct, indirect, incidental, consequential, financial, or data-related losses arising from the use of the App.
## Security
Reasonable measures are taken to protect user information. However, no method of storage or transmission is completely secure, and absolute security cannot be guaranteed.
## Account Approval
Access to the App may require administrator approval. The developer reserves the right to approve, deny, suspend, or revoke access at any time.
## Changes to This Privacy Policy
This Privacy Policy may be updated from time to time. Continued use of the App after updates constitutes acceptance of the revised policy.