Privacy Policy
Privacy Policy for Money Loan - EMI calculator
**Last Updated:** July 2026
Welcome to the **Money Loan - EMI calculator** mobile application (the "App"). This Privacy Policy is designed to help you understand how we collect, use, process, and safeguard your information when you use our App. By downloading, accessing, or using the App, you agree to the terms outlined in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App.
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## 1. IMPORTANT FINANCIAL DISCLAIMER
**Please read this carefully before using the App:**
**Money Loan - EMI calculator** is strictly a financial utility and educational tool.
- **We are NOT a lender:** We do not offer loans, micro-loans, or any credit facilities.
- **We are NOT an NBFC:** We are not a Non-Banking Financial Company, bank, or registered financial institution in any jurisdiction.
- **We do NOT facilitate loan applications:** The App is designed solely to help users calculate Equated Monthly Installments (EMI), plan their finances, and read general informational guides about credit scores and loans.
- Any calculations provided by the App are estimates for informational purposes only and do not constitute financial advice.
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## 2. Information We Collect
Our primary goal in collecting information is to provide and improve our Services, administer your use of the App, and enable you to enjoy and easily navigate the App.
### A. Non-Personal and Device Information (Collected Automatically)
When you access the App, we and our third-party service providers (such as Firebase and Google AdMob) may automatically collect certain non-personally identifiable information, including:
- **Device Information:** Device type, model, manufacturer, operating system version, screen resolution, and language settings.
- **Identifiers:** Unique device identifiers such as the Google Advertising ID (AAID) or Apple Identifier for Advertisers (IDFA).
- **Usage Data:** Log data regarding how you interact with the App, which screens you visit, duration of use, and feature engagement.
- **Diagnostic Data:** Crash logs, performance metrics, and error reports to help us maintain stability.
### B. Personal Information
**We prioritize your financial privacy.** We **do not** require you to create an account, nor do we directly collect, store, or transmit your name, email address, phone number, physical address, or any sensitive financial data (such as bank account numbers, social security numbers, or PAN card details).
All financial figures (like loan amounts, interest rates, and tenures) entered into the EMI calculator are processed locally on your device and are never sent to our servers.
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## 3. Third-Party Services and Analytics
To monetize the App and monitor its performance, we integrate trusted third-party SDKs (Software Development Kits). These third-party services operate under their own privacy policies.
### Google Mobile Ads (AdMob)
We use Google AdMob to serve advertisements within the App. Google and its ad partners use advertising identifiers (like the Google Advertising ID) and cookies to serve personalized ads based on your prior usage of our App or other apps on your device.
- **Opting Out:** You can opt out of personalized advertising by visiting [Google’s Ads Settings](https://myadcenter.google.com/) or by adjusting the ad tracking settings in your device’s system settings.
- For more information on how Google uses data in advertising, please read [Google's Privacy & Terms](https://policies.google.com/technologies/ads).
### Google Firebase
We use Firebase for essential backend services, including:
- **Firebase Analytics:** To understand user behavior and demographics.
- **Firebase Crashlytics:** To detect and resolve app crashes in real-time.
- **Firebase Remote Config:** To update the App's behavior and appearance dynamically without requiring an app update.
Firebase may collect device identifiers, location data (at a general city/country level), and usage statistics. You can learn more by reading the [Firebase Privacy Policy](https://firebase.google.com/support/privacy).
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## 4. How We Use the Information
The non-personal data collected automatically via third-party services is used for the following purposes:
1. **App Maintenance & Improvement:** To identify bugs, troubleshoot crashes, and optimize the overall performance of the App.
2. **Monetization:** To deliver relevant, targeted advertisements through Google AdMob, which allows us to keep the App free for users.
3. **Analytics:** To analyze trends and understand how our audience interacts with our guides and calculators so we can create better content in the future.
4. **Compliance:** To comply with legal obligations and enforce our terms of service.
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## 5. Data Security
The security of your information is important to us. Because we do not collect personal financial data on our servers, the risk of data breaches affecting your personal identity is extremely low. Any diagnostic or advertising data collected by Google or Firebase is secured by their respective industry-standard security protocols.
However, please remember that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your non-personal data, we cannot guarantee its absolute security.
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## 6. Children's Privacy
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to take necessary actions.
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## 7. Links to Other Sites
Our App may contain links to other websites or services (including through advertisements). If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
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## 8. Changes to This Privacy Policy
We may update our 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 at the top. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
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## 9. Contact Us
If you have any questions, concerns, or suggestions about our Privacy Policy or our financial disclaimer, please do not hesitate to contact us at:
**Email:** chanchparamilankumar@gmail.com