Privacy Policy for Smart EMI & Loan Planner
Last Updated: September 4, 2026 • Effective Date: July 20, 2026
Executive Summary
Smart EMI & Loan Planner is a strictly local financial planning tool. It does NOT collect bank information, does NOT sync to the cloud, does NOT require an account, and does NOT run third-party advertising SDKs.
1. Advertising & Third-Party SDK Disclosures
Zero Advertising SDKs
Smart EMI & Loan Planner does NOT integrate Google AdMob, Unity Ads, Meta Audience Network, or any other commercial advertising SDK. No Advertising ID (AAID) is accessed or shared.
2. Google Play Data Safety Disclosures
| Data Type | Collected by App? | Shared with Third Parties? | Purpose |
|---|---|---|---|
| Personal Identity (Name, Email) | No | No | Not required |
| Financial & Banking Data | No | No | Not collected |
| Precise Location (GPS) | No | No | Never requested |
| Device / Other IDs (AAID) | No | No | N/A |
| Crash Logs & Diagnostics | No | No | N/A |
3. Declared Android System Permissions
None / StandaloneOptionalThe app runs in isolation on your device. Standard Android storage is only utilized if you choose to export a PDF amortization schedule to your Downloads folder.
4. Data Security & Retention
- All loan figures, principal values, interest calculations, and payment dates stay strictly inside your phone's memory.
- Zero telemetry or background analytics services are included in the build.
Retention Period: Because zero user data is transmitted to our servers, we store no personal records.
5. Children's Privacy (COPPA & GDPR Compliance)
The application contains no adult content and collects zero information from users of any age.
6. User Rights & Opt-Out Options
- •You have absolute ownership of all figures entered into the calculator.
- •Clearing the app storage or uninstalling the app permanently purges any saved calculation history.
Contact Developer Regarding Privacy
If you have questions, feedback, or requests concerning data handled by Smart EMI & Loan Planner, contact our privacy desk directly: