Privacy Policy

1. Introduction

Welcome to ZenMoney ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ZenMoney (the "App").

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

2. Information We Collect

2.1 Information You Provide

We may collect information that you voluntarily provide when using our App:

• Loan Profiles: Information you enter when creating loan profiles (principal amount, interest rate, tenure, loan type)
• Calculator Inputs: Financial data you input for calculations (EMI, GST, SIP, PPF, FD, VAT, RD, etc.)
• Profile Information: Personal information stored locally for loan tracking purposes

2.2 Automatically Collected Information

When you use the App, certain information may be automatically collected:

• Device Information: Device type, operating system version, unique device identifiers
• Usage Data: App features accessed, interaction frequency, crash reports
• Advertising ID: Anonymous advertising identifier for ad personalization

3. How We Use Your Information

We use the collected information for the following purposes:

• Provide Services: To deliver the financial calculation features and functionality of the App
• Improve Experience: To enhance and optimize the App's performance and user experience
• Analytics: To understand how users interact with the App and identify areas for improvement
• Advertising: To display relevant advertisements through Google AdMob
• Bug Fixes: To diagnose and fix technical issues

4. Third-Party Services

4.1 Google AdMob

We use Google AdMob to display advertisements in the App. AdMob may collect and use information about your device and usage patterns to provide personalized ads. This includes:

• Advertising ID
• Device information
• Location data (if permitted)
• Ad interaction data

For more information about how Google uses data, please review Google's Privacy Policy at: https://policies.google.com/privacy

You can opt-out of personalized advertising by adjusting your device's ad settings or visiting: https://www.google.com/settings/ads

4.2 Analytics Services

We may use third-party analytics services to help us understand how users interact with the App. These services may collect information about your use of the App and other apps.

5. Data Storage and Security

5.1 Local Storage

All your financial calculation data, loan profiles, and personal information are stored locally on your device. We do not transmit this sensitive information to our servers or any third parties.

5.2 Security Measures

We implement appropriate technical and organizational security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure.

5.3 Data Backup

If you use your device's backup services (such as Google Drive or iCloud), your locally stored data may be included in those backups according to your device settings.

6. Permissions Required

The App may request the following permissions:

• Internet Access: Required to display advertisements and check for app updates
• Network State: To detect internet connectivity and optimize ad loading
• Storage: To save loan profiles and calculation history locally on your device

7. Children's Privacy

Our App 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 that your child has provided us with personal information, please contact us, and we will delete such information.

8. Your Rights and Choices

You have the following rights regarding your information:

• Access: You can access all your stored data within the App at any time
• Deletion: You can delete your loan profiles and calculation history directly from the App
• Opt-Out: You can opt-out of personalized advertising through your device settings
• Uninstall: You can uninstall the App at any time, which will remove all locally stored data

9. Data Retention

Since all data is stored locally on your device, it will remain on your device until you choose to delete it or uninstall the App. We do not retain any of your financial calculation data or personal information on our servers.

10. International Data Transfers

The App may be used globally. If you access the App from outside your country of residence, please be aware that your information may be processed in the country where our servers are located or where third-party service providers operate.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Your continued use of the App after any modifications to this Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide by the modified Privacy Policy.

12. Compliance with Laws

We comply with applicable data protection laws, including but not limited to:

• General Data Protection Regulation (GDPR) for users in the European Union
• California Consumer Privacy Act (CCPA) for users in California
• Other applicable local data protection regulations

14. Consent

By using the ZenMoney App, you hereby consent to our Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our App.