Finance Calculator: Loan & EMI

 PRIVACY POLICY


App Name: Finance Calculator: Loan & EMI

Developer: HDK Creators

Last Updated: July 21, 2026


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1. INTRODUCTION

This Privacy Policy applies to the "Finance Calculator: Loan & EMI" mobile application ("the App") available for iOS and Android devices, created by HDK Creators ("we", "us", or "our"). We are committed to protecting your privacy while providing a comprehensive suite of financial calculators and conversion tools.



2. INFORMATION WE DO NOT COLLECT

We respect your privacy. The App does NOT require account registration or login. We do NOT collect, store, or transmit any personally identifiable information (PII) such as your full name, email address, physical address, phone number, financial bank credentials, or precise GPS location.


All computations (including personal loan EMI, business loan, mortgage, auto loan, fixed deposit (FD), recurring deposit (RD), unit converters, and world clocks) are calculated locally on your device and are never sent to external servers or remote databases.



3. LOCAL STORAGE ON DEVICE

The App uses local device storage (such as GetStorage / SharedPreferences on Android and NSUserDefaults on iOS) strictly to retain user preferences locally. This includes:

- Selected currency unit (e.g. $, €, £, ₹, ¥)

- Selected application language preference

- Saved loan comparison entries

- User-added world clock cities


This stored information remains strictly on your local device and is never shared, exported, or backed up to external servers by us. Uninstalling the App will delete all locally stored preferences.



4. THIRD-PARTY ADVERTISING & ANALYTICS (ADMOB)

To provide the App free of charge, we display advertisements provided by Google AdMob. AdMob may collect and process pseudonymous identifiers and usage metrics according to Google's Privacy Policy.


Data collected by third-party advertising networks may include:

- IP address

- Advertising ID (Google Advertising ID on Android, IDFA on iOS)

- Device model, OS version, and performance statistics

- Crash logs and ad interaction metrics


For more information on how Google uses data when you use our App, please review:

- Google Privacy Policy: https://policies.google.com/privacy

- Google Ads Policies: https://policies.google.com/technologies/ads



5. iOS APP TRACKING TRANSPARENCY (ATT) & ANDROID ADVERTISING ID

- iOS Devices (iOS 14.5+): The App prompts for permission under Apple's App Tracking Transparency (ATT) framework before serving personalized ads. You can grant or deny tracking permission without affecting app functionality.

- Android Devices: You can opt out of personalized interest-based ads at any time via device Settings > Google > Ads > Opt out of Ads Personalization.



6. CHILDREN'S PRIVACY

Our App is a general-audience utility tool and does not knowingly collect or solicit personal information from children under the age of 13 (or 16 in applicable jurisdictions). If you believe a child has provided data through third-party ad networks, please contact us so we can take prompt appropriate action.



7. SECURITY

We value your trust. Because all calculation inputs and application preferences remain locally on your device, your data is protected by your operating system's native sandboxing and security features.



8. CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time to reflect changes in technical or legal requirements. Any modifications will be updated on this page with a revised "Last Updated" date.



9. CONTACT US

If you have any questions, suggestions, or feedback regarding this Privacy Policy, please contact us at:


Email: support@easyloanapp.com

Developer: HDK Creators

App: Finance Calculator: Loan & EMI


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