Privacy Policy Home loan Calculator
Effective Date: [22-05-2026]
ultron built the [Home loan Calculator] app as a free/ad-supported utility app. This SERVICE is provided by ultron and is intended for use as is.
This Privacy Policy explains how we collect, use, disclose, and protect information when you use our Home Loan EMI Calculator app.
By using this app, you agree to the practices described in this Privacy Policy.
1. App Purpose
[App Name] is a financial calculator app designed to help users estimate home loan EMI, total interest, total payment, amortization schedule, and prepayment savings.
The app is only a calculation and planning tool. It does not provide loans, financial advice, banking services, credit approval, or any guarantee of loan eligibility, interest rate, or repayment terms.
All results shown in the app are estimates based on the values entered by the user. Actual loan terms may vary depending on banks, lenders, interest rates, fees, taxes, and other conditions.
2. Information We Collect
Our app may process the following information entered by the user:
- Loan amount
- Interest rate
- Loan tenure
- Prepayment amount
- Prepayment month
- Other calculator inputs required to generate EMI and loan estimates
This information is used only to calculate and display results inside the app.
We do not require users to create an account.
We do not intentionally collect personal information such as name, phone number, address, Aadhaar number, PAN number, bank account details, credit card details, or government identification numbers.
3. Local Calculation Data
The loan and EMI values entered by users are used for calculation purposes. In most cases, these values are processed locally on the user’s device.
We do not use this app to provide loans or collect loan applications.
4. Automatically Collected Information
Depending on the version of the app and third-party services used, the app may automatically collect limited technical information such as:
- Device type and model
- Android version
- App version
- Crash logs
- Performance data
- Approximate usage information
- Advertising ID, if ads are used
This information may be collected to improve app performance, fix bugs, understand app usage, and show ads if the app contains advertising.
5. Third-Party Services
The app may use third-party services that may collect information used to identify you or your device.
These third-party services may include, but are not limited to:
- Google Play Services
- Google AdMob
- Firebase Analytics
- Firebase Crashlytics
If these services are used in the app, they may collect data according to their own privacy policies.
You can review their privacy policies here:
Google Privacy Policy:
https://policies.google.com/privacy
Google AdMob:
https://support.google.com/admob/answer/6128543
Firebase:
https://firebase.google.com/support/privacy
Note: Remove any third-party service from this section if it is not used in your app.
6. How We Use Information
We may use collected or processed information for the following purposes:
- To calculate home loan EMI and related loan results
- To display amortization and prepayment savings
- To improve app functionality and user experience
- To detect and fix bugs, crashes, and technical issues
- To understand app performance and usage trends
- To show advertisements, if the app contains ads
- To comply with legal and policy requirements
7. Data Sharing
We do not sell users’ personal data.
We may share limited information with third-party service providers only when necessary for:
- Advertising
- Analytics
- Crash reporting
- App performance monitoring
- Legal compliance
Third-party service providers are responsible for handling data according to their own privacy policies.
8. Financial Data Disclaimer
This app is not a bank, lender, loan provider, financial institution, or financial advisor.
The calculations shown in the app are for informational and estimation purposes only. Users should verify all loan details with their bank, lender, or financial advisor before making any financial decision.
We are not responsible for any financial loss, decision, or action taken based on calculations shown in the app.
9. Data Security
We value your trust and use reasonable measures to protect information processed through the app.
However, no method of electronic storage or transmission over the internet is 100% secure. Therefore, we cannot guarantee absolute security.
10. Data Retention
Calculator inputs may be stored locally on your device only if the app provides features such as saved results, history, or preferences.
If the app does not provide saved history, calculation values are not intentionally stored by us.
Data collected by third-party services, such as analytics, ads, or crash reporting, is retained according to the privacy policies and retention practices of those third-party providers.
11. Data Deletion
Since the app does not require account creation, we do not maintain user account data.
If you want to request deletion of any data associated with your use of the app, you may contact us at:
cybernex11@gmail.com
Please include the app name and details of your request. We will review and respond within a reasonable time.
12. Children’s Privacy
This app is not directed toward children under the age of 13.
We do not knowingly collect personally identifiable information from children. If you believe that a child has provided personal information through this app, please contact us at cybernex11@gmail.com, and we will take appropriate action.
13. Permissions
The app may request only permissions necessary for its functionality.
If the app uses internet permission, it may be used for ads, analytics, crash reporting, or loading online content.
If future versions of the app request additional permissions, this Privacy Policy may be updated accordingly.
14. Links to Other Websites
The app may contain links to third-party websites or services. If you click on a third-party link, you will be directed to that site.
We are not responsible for the content, privacy policies, or practices of any third-party websites or services.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
Any changes will be posted on this page with an updated effective date. You are advised to review this Privacy Policy periodically for any changes.
16. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, you can contact us at:
Developer/Publisher Name: ultron
Email: cybernex11@gmail.com