Privacy Policy

LoanCalcX - Loan Calculator and Management App

1. Information We Collect

1.1 Personal Data You Provide

When you use LoanCalcX, you may enter the following information:

• Client Information:
  • Full names
  • Phone numbers
  • Addresses
  • Reference/ID numbers
  • Optional notes
• Financial Data:
  • Loan amounts
  • Interest rates
  • Loan durations
  • EMI payment records
  • Payment schedules

1.2 Automatically Collected Data

Through Google AdMob integration, the following anonymous data may be collected:

• Device information (model, operating system version)
• Approximate location (for relevant ads)
• App usage patterns
• Advertising identifiers

2. How We Use Your Information

2.1 Personal Data Usage

The personal and financial data you enter is used solely for:

• Calculating EMI amounts and payment schedules
• Managing client and loan information
• Generating reports and exports (CSV/PDF)
• Providing loan management functionality

2.2 Advertisement Data Usage

Anonymous data collected through AdMob is used for:

• Displaying relevant advertisements
• Improving ad performance
• Supporting the free version of the app

3. Data Storage and Security

3.1 Local Storage

• All client and loan data is stored in an encrypted SQLite database on your device
• Data remains on your device and under your control
• No automatic backup to cloud services
• Data is only accessible through the LoanCalcX app

3.2 Data Export

• You can export your data as CSV or PDF files
• Exported files are saved to your device's storage
• You control sharing of exported files through your device's sharing mechanisms

4. Third-Party Services

4.1 Google AdMob

LoanCalcX uses Google AdMob to display advertisements. AdMob may collect and process data according to Google's privacy policy:

• Google Privacy Policy: https://policies.google.com/privacy
• AdMob Data Usage: https://support.google.com/admob/answer/6128543

4.2 App Permissions

LoanCalcX requests the following permissions:

• Internet Access: Required for displaying AdMob advertisements
• Network State Access: To check internet connectivity for ads
• Storage Access: To save and export data files to your device

5. Data Sharing and Disclosure

5.1 No Data Transmission

• Your client and loan data never leaves your device
• No automatic uploads to cloud services
• No data sharing with third-party analytics
• No access to your data by app developers

5.2 Legal Requirements

Since your data is stored locally and not transmitted to our servers, we have no access to your data and cannot be compelled to provide it to law enforcement or other parties.

6. Your Rights and Choices

6.1 Data Control

You have complete control over your data:

• Access: View all your data within the app
• Modify: Edit or update any information
• Delete: Remove individual records or all data
• Export: Generate CSV or PDF reports

6.2 Ad Preferences

• Modify ad personalization settings through your device's privacy settings
• Opt out of personalized ads through Google Ad Settings
• Use airplane mode to prevent ad loading (app functionality remains available)

7. Children's Privacy

LoanCalcX is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can take appropriate action.

8. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify users of any material changes through:

• In-app notifications
• Updated privacy policy posted on our website
• App store update descriptions

9. Data Retention

Your data is retained locally on your device until you choose to delete it. Data retention policies:

• Client and Loan Data: Retained indefinitely until manually deleted
• App Usage Data (AdMob): Governed by Google's retention policies
• Exported Files: Retained in your device storage until manually deleted

10. International Users

Since all data is stored locally on your device, international data transfer regulations do not apply to your personal data. However, AdMob data may be processed by Google in accordance with their international data transfer policies.

11. Security Measures

We implement appropriate security measures to protect your data:

• Local SQLite database with access restrictions
• App-level data encryption
• No transmission of sensitive data over networks
• Regular security updates through app store updates

12. Contact Information

13. Compliance

This privacy policy is designed to comply with:

• Google Play Store privacy requirements
• General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA)
• Children's Online Privacy Protection Act (COPPA)
• Other applicable privacy regulations

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