Terms of Use & Privacy Policy

 📜 Terms of Use & Privacy Policy

Effective Date: September 19, 2025

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Overview

The LoanMate – EMI & Calculator app is provided free of charge. By using this app, you agree to the terms laid out in this Privacy Policy and Terms of Use. This service is provided “as is” without any warranties.

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1. Information We Collect

When you use LoanMate – EMI & Calculator, we may collect:

• Personal Information (if you provide it): Loan amount, tenure, interest rate, income details, and other financial data entered to calculate EMI or eligibility.

• Device Information: Device model, operating system, unique device identifiers, and app usage data.

• Non-Personal Information: Analytics data, crash logs, cookies, or similar technologies.

❌ We do not collect sensitive data such as Aadhaar number, PAN details, or bank login credentials.

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2. How We Use Your Information

• Calculate and display loan eligibility and EMI results.

• Improve app functionality, performance, and user experience.

• Provide customer support and respond to inquiries.

• Deliver relevant advertisements via trusted ad networks (AdMob, Facebook Audience Network).

• Send updates, offers, or notifications (only if you opt in).

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3. Data Sharing & Disclosure

We do not sell or rent your personal information. Limited data may be shared only when:

• Service Providers: With trusted third-party services such as analytics providers, crash reporting tools, and advertising networks (including Google AdMob and Facebook Ads / Meta Audience Network) to help us operate and improve the app.

• Legal Compliance: When required by law, regulation, or court order.

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4. Data Security

We take your privacy seriously and implement appropriate technical and organizational measures, such as:

• Encrypted data transmission (HTTPS)

• Secure data storage

• Limited access to authorized personnel only


We use industry-standard safeguards to protect your data. However, no method of internet transmission or mobile storage is 100% secure.

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5. Your Choices

• You may choose not to provide some data, but this may limit app functionality.

• Push notifications can be disabled anytime from your device settings.

• You may request deletion of your personal data via email (see Contact Us).

• You may manage ad personalization through your Google or Facebook/Meta account settings.

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6. Third-Party Services

The app may integrate third-party SDKs, which collect anonymized usage data in line with their own privacy policies. These include:

• Google Play Services

• Google AdMob (Advertising)

• Facebook Audience Network (Advertising)

• Firebase Analytics

• Crashlytics / Fabric

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7. Children’s Privacy

The app is not intended for children under 13 years of age (or the minimum age in your jurisdiction). We do not knowingly collect data from children.

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8. Changes to This Policy

This Privacy Policy and Terms may be updated periodically. Updates will be posted within the app and reflect the revised effective date.

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9. Contact Us

For questions or concerns about this Privacy Policy or Terms of Use, contact us:

📌 App Name: LoanMate – EMI & Calculator

📧 Email: shrutiever.sp@gmail.com

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⚖️ Disclaimer: The LoanMate – EMI & Calculator app provides financial calculations for informational purposes only. It does not offer financial, legal, or investment advice, nor does it guarantee loan approvals.


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