Privacy Policy — SukiCalc
Effective Date: May 20, 2026 Last Updated: May 20, 2026
1. Introduction
SukiCalc ("the App", "we", "us") is a free loan comparison and EMI calculator tool designed for consumers in the Philippines. We are committed to protecting your privacy and being transparent about our data practices.
Key Principle: SukiCalc is primarily an offline utility tool. Your financial calculation data stays on your device. We do not sell, rent, or trade any personal information.
2. Information We Collect
2.1 Information Stored Locally on Your Device
The following data is created and stored only on your device when you use the App:
Loan comparison data (bank name, interest rate, loan amount, loan term)
EMI calculation results and amortization schedules
Saved comparison sessions
Custom loan products you add
App preferences and settings
This data is stored in an encrypted local database on your device.
2.2 Device Information
To provide core functionality and ensure app security, we may collect:
Device model and operating system version
Device identifier (for app functionality and fraud prevention)
Screen resolution and display information
Network connection type (WiFi/Cellular)
Language and region settings
Battery status
CPU and memory information
2.3 Camera Access
When you use the document scanning feature, we access your device camera to capture images. Photos are processed locally on your device and are not uploaded to any server.
2.4 Advertising Identifier (IDFA)
We request access to your device's advertising identifier (IDFA) to:
Measure the effectiveness of advertising campaigns
Provide you with a more personalized experience
You can opt out of IDFA tracking at any time through your device's Settings > Privacy > Tracking.
3. How We Use Your Information
Data Type
Purpose
Loan comparison data
Display comparison results within the App
Calculation results
Show EMI, amortization schedules, and affordability analysis
Device information
Ensure app compatibility, security, and fraud prevention
Camera images
Document scanning for data entry (processed locally only)
IDFA
Analytics and advertising measurement
4. Permissions Required
Permission
Required
Purpose
Camera
Yes (on use)
Document scanning — capture loan documents for quick data entry
App Tracking (IDFA)
Optional
Advertising measurement and personalized experience
Photo Library
No
Not used
Contacts
No
Not used
Location
No
Not used
Notifications
No
Not used
5. Data Storage & Security
Local Storage: All user-generated data (comparisons, calculations, custom products) is stored exclusively on your device using an encrypted database.
No Cloud Sync: We do not upload your financial data to any cloud service or external server.
App Sandbox: Data is stored within the App's sandboxed storage area, inaccessible to other apps.
Data Retention: Your data persists as long as the App is installed. Uninstalling permanently deletes all locally stored data.
6. Information Sharing & Disclosure
We do not sell, rent, or trade your personal information. We may share limited data with:
Analytics providers (Adjust, Facebook SDK) — anonymized usage data and advertising identifiers only
Law enforcement — only when required by law or valid legal process
We do NOT share your loan comparison data, calculation results, or any financial information you enter into the App.