Privacy Policy

Privacy Policy for Smart EMI Planner

Last Updated: [11-06-2025]

The Smart EMI Planner app is committed to protecting your privacy. This Privacy Policy explains how we handle your information in compliance with Google Play Store policies and applicable privacy laws.

1. About the App

The Smart EMI Planner app helps users calculate EMIs, track amortization schedules, and plan loan repayments. It offers features such as intuitive input sliders, detailed amortization tables, and visual breakdowns using pie charts. The app is designed to provide a seamless user experience while ensuring data privacy and security.

2. Personal Data Collected in the App and How It Is Used

2.1 Data You Provide

• Loan amount, interest rate, tenure, and similar loan-related details are entered manually by the user.

2.2 How the Data Is Used

• To calculate EMIs and repayment schedules.

• To generate personalized amortization tables and interest-principal breakdowns.

2.3 Automatic Data Collection

• Device Information: Includes device model, operating system version, and crash logs for debugging purposes.

• Analytics Data (if enabled): May include user interaction data to help improve app functionality.

Note: All user inputs are stored locally on the device and are not transmitted to external servers.

3. Data Security: How We Store and Remove Data

3.1 Data Storage

• Local Storage: All user-entered data is securely stored on the device itself.

• Backup Options: Users may manually back up data using device-level tools.

3.2 Data Removal

• Users can delete their data anytime by uninstalling the app or clearing the app's storage through device settings.

3.3 Data Shared with Third Parties

• No personal data is shared with third parties without explicit user consent.

4. Third-Party Libraries Usage and Its Purpose

The Smart EMI Planner app uses the following libraries:

• Google AdMob: For displaying non-intrusive advertisements.

• Jetpack Compose: For building a smooth and responsive UI.

• Firebase Analytics (if used): To understand user engagement and enhance features.

All libraries comply with their respective privacy policies and are used strictly within their intended scope.

5. Dangerous Permissions Used by the App

The app may request the following permissions:

• Storage Permission: To save or retrieve backup data related to EMI calculations.

Note: All permissions are optional and used only for enhancing core app features.

6. Children’s Privacy (Under 13 Years)

The Smart EMI Planner app is intended for users aged 18 and above. It is not designed for children under 13. We do not knowingly collect any personal data from children under 13. If such data is identified, it will be promptly deleted.

7. Contact Information

If you have any questions or concerns regarding this Privacy Policy, feel free to contact us:

Developer Contact:
Kathirvela Creations
📧 Email: feedback.pradeepisc@gmail.com

8. Google AdMob Advertisements Policy

This app uses Google AdMob to serve advertisements. Ad content is tailored by Google based on user preferences, in line with:

• No targeted ads for users under 13.

• Personalized ads only shown based on user consent.

• Users can manage their ad preferences via their Google account.

For more details, review Google AdMob’s Privacy Policy.

9. General Permissions Collected

The Smart EMI Planner app may request the following permissions:

• Internet Access: To display ads and check for optional online updates.

• Storage Access: To locally store data and preferences.

• Notification Permission: To alert users for EMI milestones (if implemented in the future).

• No location, camera, or contacts permissions are requested.

10. Updates to Privacy Policy

Any updates to this Privacy Policy will be reflected on this page. We encourage you to check this section periodically for the most up-to-date privacy practices.