Privacy Policy for CuotaSimple

Introduction

CuotaSimple ("the App") is a financial calculation and loan simulation tool developed by AntoTech ("we," "us," or "our"). This Privacy Policy explains how we handle your information when you use the App. The App is a professional Single Page Application (SPA) designed to calculate, compare, and analyze loan amortization schedules in real-time. Key features include amortization table generation, interest savings analysis through extra payments, loan viability assessment based on income, and simulation comparisons. We are committed to protecting your privacy: your calculation data and saved simulations are stored strictly on your device.

Information We Collect

A. Information You Provide (Processed Locally)

• Loan Parameters: The amounts, interest rates, terms, and payment frequencies you enter for calculation.

• Saved Simulations: Lists of loan scenarios you choose to save for future reference or comparison.

• Income Data: Monthly income figures you provide to analyze loan viability.

• Note: This information is stored strictly within your device's Local Storage. We do not have access to your personal calculations or saved simulations.

B. Automatically Collected Information

• Device & Usage Data: Non-personal information such as device model and OS version may be processed by the underlying framework to ensure compatibility and optimal performance.

C. Third-Party Services

• Advertising (Google AdMob): The App displays ads to remain free. AdMob may collect identifiers (e.g., Advertising ID) to serve relevant ads. Refer to Google’s Privacy Policy for details.

How We Use Your Information

• App Functionality: To provide accurate loan calculations, generate amortization charts, and facilitate simulation comparisons.

• Financial Analysis: To calculate interest savings and predict final payment dates locally based on your inputs.

• Maintenance: To improve performance and fix technical bugs.

• We do not sell, rent, or trade your calculation data or saved simulations to third parties.

Data Storage and Security

• Local Storage: Your calculation settings and saved simulations stay on your device. We do not use cloud storage for your financial data.

• User Responsibility: You are responsible for maintaining the security of your device.

Permissions

The App may request the following permissions:

• Internet: To display ads and verify app version updates.

• Network State: To verify connectivity before attempting to refresh external resources.

Children’s Privacy

The App is a tool for financial calculation and is not intended for use by children under 13. We do not knowingly collect personal information from children.

Your Rights and Choices

• Data Control: You can remove saved simulations locally or reset the app to clear all local history.

• Opt-Out: You can stop all data processing by uninstalling the App.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our App or legal requirements. Your continued use of the App constitutes acceptance of any changes.

Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:
📧 Email: tech.anto19@gmail.com