Official App Policy

Privacy Policy

Application: LoanCash - EMI Loan Calculator
Package Name: com.emicalculator.dkcalculator.calculatorzone

🔒 User Privacy & Data Safety Commitment:
We respect your privacy and are committed to protecting your personal information. This application operates as an offline financial calculator and informational educational guide. We DO NOT collect, sell, or share any personal financial data, bank account information, passwords, PINs, or government identity numbers.

⚠️ CRITICAL DISCLAIMER: NON-LENDING ENTITY

• LoanCash - EMI Loan Calculator is NOT a bank, lender, broker, or financial institution.
• This application DOES NOT issue loans, disburse funds, charge loan fees, or make credit decisions.
• This app is strictly an independent mathematical computing utility and financial educational guide to help users calculate loan repayments, compute interest, and understand financial planning.
• We are not affiliated with, endorsed by, or partnered with any government authority, banking institution, or credit bureau.

1. Functional Overview: How Our App Tools Operate

All calculations in LoanCash - EMI Loan Calculator are processed strictly on your device (client-side) using mathematical algorithms. Here is how our tools work:

🧮 EMI Calculator (Equated Monthly Installment)

Calculates estimated monthly payments, total interest payable, and the total repayment amount based on user-entered Loan Amount, Interest Rate, and Tenure. All calculations are executed on your phone's memory with zero server transmission.

📈 Investment & Banking Calculators (SIP, FD, RD, Compound Interest)

Provides mathematical projections for Systematic Investment Plans (SIP), Fixed Deposits (FD), Recurring Deposits (RD), and compound interest. These formulas compute returns locally without accessing external banking servers.

🧾 GST & VAT Tax Calculators

Computes Goods and Services Tax (GST) and Value Added Tax (VAT) figures by adding or removing customizable percentage rates from user-provided numbers. No transaction history or commercial invoices are stored.

💵 Cash Counter & Currency Denomination Tally

Allows users to tally quantities of physical paper currency notes and coins to calculate cash totals. Counts exist strictly in volatile RAM memory and disappear when leaving the screen.

📊 Offline Credit Score Estimator & Educational Guide

Offers an educational self-assessment score estimator based on general financial habits. This tool DOES NOT connect to credit bureaus (Equifax, Experian, TransUnion, CIBIL) or pull hard credit reports. It is strictly an educational estimator.

🏛️ EPF (Provident Fund) & Banking Service Directory

Provides an informational directory of publicly available customer helpline numbers, missed-call balance inquiry formats, SMS inquiry codes, and official government portal links.

📚 Financial Literacy & Loan Comparison Guides

Contains informational guides explaining loan types (Personal, Home, Auto, Business loans) and comparison tips to assist users in making informed personal budgeting decisions.

2. Information Collection & Usage

A. Personal Information You Provide:
None. We do not require registration, login, phone numbers, email addresses, bank accounts, or identity documents.

B. Automatically Collected Technical Diagnostics:
Our third-party SDK partners (Google AdMob and Firebase) may automatically collect anonymized technical data to deliver ads and app stability:

• Device model, manufacturer, and operating system version.
• Network connection type (Wi-Fi, cellular) to adapt ad loading.
• Anonymous crash logs and stack traces via Firebase Crashlytics to resolve software bugs.
• Google Advertising ID (GAID), which can be deleted or reset anytime in your Android device settings.

3. Device Permissions

The app requests only standard Android permissions:

• android.permission.INTERNET: Enables ad serving and crash reporting.
• android.permission.ACCESS_NETWORK_STATE / ACCESS_WIFI_STATE: Detects internet availability prior to making network requests.
• android.permission.POST_NOTIFICATIONS (Android 13+): Used exclusively for optional local calculation reminders and periodic app updates. You may revoke this anytime in system settings.
• android.permission.FOREGROUND_SERVICE: Ensures scheduled reminder broadcasts run reliably.

4. Third-Party Advertising & Analytics

We partner with trusted advertising providers to keep the app 100% free:

• Google AdMob & Play Services: Google Privacy Policy | Ad Technologies
• Google Firebase: Firebase Privacy Terms
• Meta Audience Network: Meta Privacy Policy

Ad Personalization Control: You can disable personalized advertising or delete your Advertising ID anytime by navigating to Settings > Google > Ads > Delete Advertising ID on your Android phone.

5. Data Security & Storage

• Zero Cloud Storage: Calculation numbers are never transmitted to or stored on remote databases.
• Local App Preferences: Simple UI states (like selected country) stay strictly on your device via Android SharedPreferences.
• Secure HTTPS: All communication with ad networks and crash reporting uses secure TLS encryption.

6. Children's Privacy (COPPA & GDPR)

Our app is designed for adults managing financial calculations. We do not knowingly collect personal identifiable information from children under 13 years of age (or under 16 in the European Union).

7. User Rights (GDPR & CCPA)

You can clear any locally saved application data at any time via Settings > Apps > LoanCash > Storage > Clear Storage. You may also disable notification permissions and ad tracking via Android device settings.

8. Policy Updates

We may update this Privacy Policy periodically. Any revisions will be reflected on this page with an updated "Effective Date".

9. Contact Support

Developer: Safran Design

© 2026 LoanCash - EMI Loan Calculator. All rights reserved.