Privacy policy
# PRIVACY POLICY
## 1. Overview
This Privacy Policy explains how information is handled when you use this application (the "App"). The App is designed to provide educational information, general financial concepts, and calculation tools.
We aim to keep the App simple and privacy focused. This Privacy Policy describes what information may be handled, how it is used, and the choices available to users.
## 2. Nature of the App
The App may provide educational information about loans, repayment concepts, and related financial topics. It may also include tools such as loan calculators, eligibility estimators, comparison tools, or similar educational features.
The App is not a lender, broker, financial institution, or financial advisor. It does not accept loan applications, arrange loans, approve credit, or process financial transactions.
## 3. Information and Data
The App is designed to operate without requiring users to submit personal information.
You may use the App without creating an account or providing information such as your name, email address, phone number, home address, bank account details, or other personal identifiers.
Information entered into calculation tools, such as loan amount, interest rate, loan duration, or estimated income, may be used to generate results within the App. These inputs are intended to be processed on the user's device and are not used by us to create personal profiles.
## 4. Personal Data Collection
We do not intentionally collect or maintain personal information through the App.
The App does not operate a user account system or maintain a database containing personal information submitted through the App.
## 5. Device and Usage Information
The App does not intentionally collect precise location information, browsing history, or usage profiles for our own purposes.
The App does not require access to contacts, photos, microphone, camera, or other sensitive device information for its core functionality.
## 6. Advertising and Third-Party Services
The current version of the App does not intentionally use third-party analytics or tracking services for collecting personal user information.
If advertising, analytics, or other third-party services are introduced in a future version, this Privacy Policy may be updated to explain the applicable data practices and the types of information that may be processed.
Third-party providers, when applicable, may have their own privacy policies and terms governing their handling of information.
## 7. Calculator Information
The App may allow users to enter information required to perform calculations. This may include values such as:
* Loan amount
* Interest rate
* Repayment period
* Estimated income
* Other values necessary for calculations
These values are used to generate educational estimates and calculator results. They are not submitted as loan applications and are not used by the App to make lending or credit decisions.
Users should avoid entering sensitive information that is not necessary for using the calculation features.
## 8. Children's Privacy
The App does not intentionally request personal information from children.
If we become aware that personal information has been provided by a child in a manner that requires action under applicable privacy laws, we will take reasonable steps to address the situation.
## 9. Data Security
Because the App is designed without an account-based personal data system, we do not maintain a central database of personal user information collected through the App.
Users should nevertheless avoid entering sensitive information, including passwords, complete bank account credentials, payment card information, government identification numbers, or other confidential information into general-purpose calculator or educational fields.
## 10. Your Privacy Choices
You can use the App without creating an account or providing personal contact information.
Because we do not maintain personal user profiles, there may be no personal account data available for access, modification, or deletion.
Privacy rights available to you may vary depending on your location and applicable law.
## 11. External Websites and Content
The App may provide general educational information that refers to financial products, financial concepts, or external resources.
Any external website, application, or service that you access through external content or links is operated independently. Their privacy practices are governed by their own privacy policies and terms.
We recommend reviewing the privacy policy of any third-party website or service before providing information to them.
## 12. Educational Disclaimer
The information and calculations provided by the App are intended solely for general educational and informational purposes.
The App does not provide financial, legal, investment, lending, tax, or other professional advice.
Calculator results are estimates and may not reflect the actual terms, rates, fees, eligibility requirements, or repayment conditions offered by a financial institution.
Users should independently verify relevant information with the appropriate financial institution or qualified professional before making financial decisions.
## 13. Policy Updates
We may revise this Privacy Policy when the App's functionality, services, or data practices change.
When an update is made, the revised version will display a new **Last Updated** date.
We recommend reviewing this Privacy Policy periodically to remain informed about how information is handled.
## 14. Contact
If you have questions regarding this Privacy Policy or the privacy practices of the App, please contact us at:
**Email:** chotubhasolanki1984@gmail.com