Policy of loan emi calculator

 Application Name: Loan EMI Calculator

Effective Date: 25 February 2026

1. Purpose of This Policy

This document explains how Loan EMI Calculator ("the Application", "we", "our") handles user information. We are committed to maintaining transparency regarding data practices and ensuring responsible handling of information when you use our mobile application.

This Privacy Policy aligns with applicable regulations including:

• Information Technology Act, 2000 (India)
• Digital Personal Data Protection Act, 2023 (India)
• General Data Protection Regulation (GDPR), where applicable
• Google Play Developer Program Policies

By downloading or using this Application, you acknowledge and accept the practices described herein.

2. Developer Contact Details

App Name: Loan EMI Calculator

Contact Email: shomeshkhadke123@gmail.com

Primary Data Processing Location: India

3. Categories of Information Collected

A. Voluntarily Submitted Information

We may receive information that you provide directly, such as:

• Email address when contacting support
• Questions, suggestions, or feedback sent to us

B. Technical and Usage Information

During normal operation, certain non-personal technical data may be collected automatically, including:

• Device manufacturer and model
• Operating system details
• Internet Protocol (IP) address
• Advertising Identifier
• Application interaction metrics
• Diagnostic and crash information

All financial calculations performed within the Application — including loan amount, interest rate, repayment tenure, and EMI results — are processed entirely on your device. We do not transmit or retain your financial input data on external servers.

4. How Information Is Utilized

The collected information may be used for the following purposes:

• Delivering EMI and loan repayment calculation features
• Improving performance and stability of the Application
• Identifying and resolving software issues
• Responding to user inquiries
• Displaying advertising content where applicable
• Protecting against misuse or unauthorized activity

We do not monetize personal information through sale or rental to third parties.

5. External Service Providers

The Application may integrate third-party platforms to support analytics and advertising functions, including:

• Google AdMob
• Google Play Services
• Firebase Analytics

These services may collect limited information such as:

• Advertising ID
• Device identifiers
• Application usage statistics
• Approximate geographic region (derived from IP address)

You may control or reset your Advertising ID via your device settings. Users located in regions requiring consent (such as the EEA/UK) will be presented with options to manage advertising preferences.

6. Lawful Basis for Data Handling

Information is processed under one or more of the following conditions:

• Your explicit consent
• Our legitimate interest in maintaining and improving the Application
• Compliance with applicable legal requirements

You may withdraw previously granted consent at any time.

7. Data Storage Duration

• Analytical data: retained for a maximum of 24 months
• Error logs: retained for up to 12 months
• Support communications: stored until the issue is resolved

Information is permanently removed once it is no longer necessary for the intended purpose.

8. Required Permissions

• INTERNET – Enables connectivity for ads and analytics
• ACCESS_NETWORK_STATE – Determines network availability
• AD_ID – Supports advertising functionality

All permissions are limited strictly to operational requirements.

9. Security Practices

We employ reasonable administrative and technical safeguards to protect information, including:

• Encrypted HTTPS communication
• Secure hosting infrastructure
• Access restrictions to sensitive systems
• Routine monitoring and maintenance

Despite our efforts, no system can guarantee absolute protection against all risks.

10. Your Data Rights

Depending on your location, you may have the right to:

• Request access to your data
• Correct inaccurate information
• Request deletion of data
• Limit or object to processing
• Withdraw consent at any time
• Submit a complaint to a regulatory authority

To exercise these rights, contact us at:

Email: loansathiloancalc@gmail.com

We strive to respond within 30 days.

11. Children’s Data

This Application is not designed for children under the age of 13. We do not intentionally collect personal data from minors. If such information is discovered, it will be promptly deleted.

12. Cross-Border Data Processing

If you access the Application from outside India, your data may be processed within India where our infrastructure is located. By using the Application, you consent to this transfer.

13. Policy Modifications

We may revise this Privacy Policy periodically to reflect operational or regulatory updates. The revised version will be published within the Application. Continued usage indicates acceptance of any changes.

14. Disclaimer

Loan EMI Calculator is an independent financial utility tool intended solely for informational purposes. We are not affiliated with any bank, NBFC, or lending institution. All EMI figures generated are estimates and may vary depending on the policies of financial institutions. Users should verify official loan terms directly with their respective lenders.