Privacy Policy

Loan & EMI Calculator is a free Android application that helps users calculate Equated Monthly Instalments (EMI) for home loans, car loans, and personal loans. The app also provides amortization schedules and repayment breakdowns.

The app is developed and published on the Google Play Store for users primarily in India.

We want to be completely transparent: this app does not collect any personal information whatsoever. Specifically, we do not collect:

• Your name, email address, or contact information
• Loan amounts, interest rates, or tenures you enter into the calculator
• Financial or banking information of any kind
• Device identifiers, IP addresses, or location data
• Usage patterns, screen recordings, or analytics

All data you enter into the calculator exists only on your device and is never transmitted anywhere.

All EMI and loan calculations in this app are performed entirely on your device using mathematical formulas. The app:

• Does not require an internet connection to function
• Does not connect to any external servers or databases
• Does not store your inputs between sessions
• Does not sync data to the cloud

Because the app works fully offline, there is no technical possibility of your financial inputs being transmitted or stored externally.

This app displays advertisements provided by Google AdMob to support free access for all users. You should be aware that:

• Google AdMob may collect certain non-personal technical data to serve relevant ads, including your approximate location, device type, and ad interaction data.
• This data collection is governed by Google's Privacy Policy, not this policy.
• AdMob may use cookies or similar technologies to serve personalised advertisements based on your interests.
• You can opt out of personalised advertising by visiting your device Settings > Google > Ads and enabling "Opt out of Ads Personalisation".

This app requests the following Android permissions and only these:

We do not request access to your camera, microphone, contacts, storage, location, phone state, or any other device feature.

This app is not directed at children under the age of 13. We do not knowingly collect any information from children. Since we collect no personal data from any user, we have no mechanism to collect data from children either.

If you believe your child has provided personal information through this app, please contact us and we will take appropriate steps (though, as stated, no such data is collected or stored by us).

This app does not contain links to third-party websites. The only third-party service integrated is Google AdMob for advertising. Please refer to Google's Privacy Policy for information about how AdMob handles data.

Since we do not collect or store any user data on our servers (we have none), there is no user data for us to secure. The calculations you perform remain entirely on your own device, protected by your device's own security features.

We may update this Privacy Policy from time to time. Any changes will be reflected by updating the "Last Updated" date at the top of this document and publishing the new version on our Play Store listing.

We encourage you to review this policy periodically. Continued use of the app after changes constitutes acceptance of the updated policy.

Since we do not collect any personal data, there is no personal data to access, correct, or delete. However, you always have the right to:

• Uninstall the app at any time, which removes it and any locally cached data from your device
• Opt out of personalised ads through your Android device settings
• Contact us with any privacy-related questions or concerns

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: