Privacy Policy - EMI & Loan Calculator

 Privacy Policy 
Last Updated: July 15, 2025

1. Introduction
This Privacy Policy explains how EMI & Loan Calculator (“we”, “us”, or “our”) collects, uses, shares, and protects information in connection with our mobile application, EMI & Loan Calculator (the “App”). The App provides financial calculators for loans, EMI, GST, margin, lumpsum, discount, PPF, RD, SIP, inflation, and break-even calculations. By using the App, you agree to the collection and use of information as described in this policy.

2. Scope
This Privacy Policy applies to information we collect when you use the App and related services. It does not apply to information collected by third parties, including through websites or services linked from the App.

3. Information We Collect
We are committed to minimizing data collection to provide a seamless user experience. The App collects the following types of information:

3.1 Personal Information
We do not collect personal information (e.g., name, email, or phone number) unless you voluntarily provide it, such as when contacting us via email for support.

3.2 Non-Personal Information
Usage Data: We collect anonymized data about how you interact with the App, such as which calculators you use, session duration, and app performance metrics. This helps us improve the App’s functionality.

• Device Information: We may collect device-specific information, such as device type, operating system version, and unique device identifiers, to optimize the App’s performance.
• Advertising Data: The App uses Google AdMob and Meta Audience Network to display ads. These services may collect data such as:
– Device identifiers (e.g., Advertising ID).
– IP address.
– Approximate location (derived from IP address, not GPS).
– Browsing behavior and ad interactions for personalized advertising.

4. How We Use Your Information
We use the collected information to:
• Provide and improve the App’s functionality, such as ensuring calculators work correctly.
• Analyze usage patterns to enhance user experience and add new features.
• Deliver personalized ads through AdMob and Meta Audience Network.
• Respond to user inquiries or support requests.

5. Sharing Your Information
We do not sell or share your personal information with third parties, except as described below:
• Ad Partners: AdMob and Meta Audience Network may collect and process anonymized data to serve personalized ads. These partners have their own privacy policies:
– Google AdMob: https://policies.google.com/privacy
– Meta Audience Network: https://www.facebook.com/privacy/policy
• Legal Requirements: We may disclose information if required by law or to protect our rights, safety, or property.
• Service Providers: We may share anonymized data with analytics providers to understand app usage, subject to strict confidentiality agreements.

6. Data Storage and Security
We store data securely using industry-standard measures to protect against unauthorized access, loss, or misuse. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your Choices
• Advertising Choices: You can opt out of personalized ads by adjusting your device settings:
– On Android: Go to Settings > Google > Ads > Opt out of Ads Personalization.
– Refer to AdMob and Meta Audience Network privacy policies for additional options.
• Data Access: Since we do not collect personal information unless provided voluntarily, there is no user-specific data to access or delete. For support related data, contact us to request deletion.

8. Children’s Privacy
The App is not intended for children under 13. We do not knowingly collect personal information from children under 13. If we learn such data has been collected, we will delete it promptly.

9. International Users
The App is designed for a global audience. If you use the App from outside the United States, your data may be transferred to and processed in the United States or other countries, subject to applicable data protection laws (e.g., GDPR, CCPA). By using the App, you consent to this transfer.

10. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy in the App or on our website. The “Last Updated”date at the top indicates the latest version.

11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at:
• Email: kranpariya1527@gmail.com

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