Privacy Policy

Welcome to LoanSmart ("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 LoanSmart (the "App").

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the App.

1.1 Information You Provide to Us

We collect information that you voluntarily provide when using the App, including:

• Loan Profile Data: When you create loan profiles, we store information such as loan type, principal amount, interest rate, loan period, processing fees, and start date. This data is stored locally on your device.
• Calculation Data: Information you input into our calculators (EMI, GST, VAT, SIP, PPF, etc.) for performing financial calculations.
• Currency Preferences: Your selected currency preferences for displaying calculation results.

1.2 Automatically Collected Information

When you use our App, we may automatically collect certain information, including:

• Device Information: Device type, operating system version, unique device identifiers, and mobile network information.
• Usage Data: App features accessed, time spent on the App, crash reports, and performance data.
• Advertising ID: Google Advertising ID for serving personalized advertisements (you can reset this in your device settings).

1.3 Information from Third Parties

We use third-party services that may collect information used to identify you:

• Google AdMob: For displaying advertisements within the App
• Google Play Services: For app distribution and updates
• Google Analytics for Firebase: For app analytics and performance monitoring (if applicable)

We use the collected information for various purposes:

• To Provide and Maintain the App: Process your calculations, save loan profiles, and deliver core functionality
• To Improve User Experience: Analyze usage patterns to enhance features and fix bugs
• To Display Advertisements: Show relevant ads through Google AdMob to support the free App
• To Comply with Legal Obligations: Respond to legal requests and prevent fraud
• To Communicate with You: Send important updates about the App (with your consent)

3.1 Local Storage

Most of your data, including loan profiles and calculation history, is stored locally on your device using SQLite database and SharedPreferences. This data remains on your device and is not transmitted to our servers.

3.2 Security Measures

We implement appropriate technical and organizational measures to protect your information:

• Data encryption during transmission (HTTPS/SSL)
• Secure coding practices following industry standards
• Regular security updates and patches
• Limited access to personal information

However, please note that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

4.1 Google AdMob

Our App uses Google AdMob to display advertisements. AdMob may collect and use information about your device and usage patterns to serve personalized ads. This may include:

• Device identifiers (Advertising ID)
• IP address and general location
• Ad interaction data
• Device characteristics and settings

You can opt out of personalized advertising by visiting your device settings:

• Android: Settings > Google > Ads > Opt out of Ads Personalization

For more information, please review:

• Google Privacy Policy
• AdMob Privacy Information

4.2 Other Third-Party Services

We may use additional third-party services:

• Google Play Services: For app distribution and in-app billing (if applicable)
• Firebase (if applicable): For analytics, crash reporting, and performance monitoring

Each third-party service has its own privacy policy. We encourage you to review their policies.

LoanSmart is not intended for use by children under the age of 13 (or the minimum age in your country). 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 immediately, and we will take steps to remove such information.

Depending on your location, you may have the following rights:

6.1 Access and Correction

• Access your loan profile data directly within the App
• Edit or delete loan profiles at any time
• Clear calculation history and preferences

6.2 Data Deletion

• Delete individual loan profiles from the App
• Uninstall the App to remove all locally stored data
• Request deletion of any data we may have collected by contacting us

6.3 Advertising Preferences

• Opt out of personalized ads in your device settings
• Reset your Advertising ID to limit tracking

6.4 GDPR Rights (European Users)

If you are in the European Economic Area (EEA), you have additional rights:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent at any time

6.5 CCPA Rights (California Users)

If you are a California resident, you have the right to:

• Know what personal information is collected, used, shared, or sold
• Request deletion of your personal information
• Opt out of the sale of personal information (we do not sell personal information)
• Non-discrimination for exercising your privacy rights

Your information, including personal data, may be transferred to and maintained on servers located outside of your country, where data protection laws may differ. By using the App, you consent to the transfer of your information to these locations.

We ensure appropriate safeguards are in place for international data transfers in compliance with applicable laws.

We retain your information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy:

• Loan Profile Data: Stored locally on your device until you delete it or uninstall the App
• Usage Data: Retained for analytical purposes, typically for 12-24 months
• Advertising Data: Managed by Google AdMob according to their retention policies

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the new Privacy Policy in the App
• Updating the "Last Updated" date at the top of this policy
• Providing an in-app notification (for significant changes)

Your continued use of the App after changes are posted constitutes your acceptance of the updated Privacy Policy.

The App may contain links to third-party websites or services. We are not responsible for the privacy practices or content of these third parties. We encourage you to read the privacy policies of any third-party sites you visit.

While our App does not use cookies directly, third-party services (such as Google AdMob) may use cookies and similar tracking technologies to collect and use information. These technologies help:

• Deliver relevant advertisements
• Measure ad performance
• Improve user experience

Some browsers have a "Do Not Track" feature that signals to websites you visit that you do not want to have your online activity tracked. Our App does not currently respond to "Do Not Track" signals, but you can control ad tracking through your device settings.

If you are from the EEA, our legal basis for processing your information includes:

• Consent: You have given clear consent for processing your personal data
• Contract: Processing is necessary to provide the App services you requested
• Legitimate Interests: Processing is necessary for our legitimate interests (improving the App, preventing fraud)
• Legal Obligations: Processing is necessary to comply with the law

California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes. As stated in this Privacy Policy, we do not share personal information with third parties for their direct marketing purposes.

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

17. Definitions

• "App" refers to LoanSmart - EMI & Loan Calculator mobile application
• "Personal Information" means any information relating to an identified or identifiable individual
• "Usage Data" refers to data collected automatically through the use of the App
• "Device" means any device that can access the App (smartphone, tablet, etc.)
• "You" means the individual accessing or using the App