Privacy Policy
Loan Calculator & EMI Planner
Last Updated: October 7, 2026
Loan Calculator & EMI Planner ("the App", "we", "our", or "us") respects your privacy. This Privacy Policy explains how information is handled when you use the App.
By using the App, you agree to the practices described in this Privacy Policy.
Information We Collect
Loan Calculator & EMI Planner is primarily designed to provide loan calculations and planning tools.
Information You Enter
The App may allow you to enter information such as:
- Loan amount
- Interest rate
- Loan tenure
- EMI amount
- Prepayment amount
- Additional payment amount
- Down payment
- Loan type
- Other values required for calculations
This information is used to perform calculations and provide results within the App.
We do not require you to create an account to use the core calculation features.
Saved Calculations
If the App provides a save/history feature, calculations that you choose to save may be stored locally on your device.
This information is intended to remain on your device unless you explicitly use a feature that shares or exports it.
Personal Information
The App does not require you to provide personally identifiable information such as your name, phone number, email address, bank account number, credit card number, or government identification number to perform its core calculations.
We do not request banking credentials or access to your bank accounts.
You should not enter sensitive personal or financial information into fields that do not specifically require it.
Internet Access
Core loan calculations are designed to work offline.
Some optional features or third-party services may require an internet connection. If advertising or other third-party services are used, those services may collect information according to their own privacy policies.
Advertising
The App may display advertisements provided by third-party advertising providers, such as Google AdMob.
Advertising providers may collect or process information such as advertising identifiers, device information, approximate location, app interaction information, and other information permitted by their respective policies.
The information collected by advertising providers is governed by their own privacy policies.
For more information about Google's privacy practices, please visit Google's Privacy & Terms website.
Analytics
If analytics services are integrated into the App, those services may collect limited technical and usage information, such as:
- Device type
- Operating system
- App version
- Approximate location
- App usage information
- Crash and diagnostic information
Analytics information may be used to improve app stability, performance and user experience.
If analytics services are not enabled in a particular version of the App, no analytics data is collected through such services.
Data Storage
Information saved within the App may be stored locally on your device.
We do not operate a personal account system for the core loan calculation features.
If you uninstall the App or clear its application data, locally stored information may be deleted.
Data Sharing
We do not sell or rent your personal information.
We do not share your loan calculations with banks, lenders, financial institutions or government organizations.
Information may be processed by third-party service providers when required for services such as advertising, analytics, crash reporting or other technical functionality.
Such third parties process information according to their applicable privacy policies.
Data Security
We take reasonable measures to protect information handled by the App.
However, no electronic storage or transmission method can be guaranteed to be completely secure.
You are responsible for protecting access to your device and any information stored on it.
Children's Privacy
The App is not specifically directed toward children.
We do not knowingly collect personal information from children for the purpose of providing personalized services.
If you believe that a child has provided personal information through the App, please contact us so that appropriate action can be taken.
Third-Party Services
The App may use third-party services, including advertising, analytics, crash reporting or other technical services.
Those services may independently collect information according to their own privacy policies.
Your use of third-party services may therefore be subject to additional privacy terms.
Financial Information Disclaimer
The App is a calculation and planning tool.
It does not access your bank accounts, credit reports or financial institution systems.
Loan eligibility, affordability, EMI, interest, repayment and prepayment results are estimates based on information entered by you and the calculation assumptions used by the App.
Actual loan terms may differ.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
When changes are made, the updated version will be made available through the App or the associated website.
Your continued use of the App after an update means that you accept the revised Privacy Policy.
Contact Us
If you have questions, concerns or requests regarding this Privacy Policy, please contact us:
App: Loan Calculator & EMI Planner (com.loancalcul)
Email: support@kharcho.co.in