EMI Smart - Loan EMI Calculator | Privacy Policy

App Name: EMI Smart - Loan EMI Calculator

Last Updated: 01 May 2026

1. Overview

EMI Smart - Loan EMI Calculator ("App", "we", "our", "us") respects your privacy and is dedicated to protecting your personal information. This Privacy Policy describes how information is collected, used, and safeguarded when you access or use our mobile application.

This policy is prepared in accordance with:

  • Information Technology Act, 2000 (India)
  • Digital Personal Data Protection Act, 2023 (India)
  • General Data Protection Regulation (GDPR), where applicable
  • Google Play Developer Policies

By installing or using this App, you acknowledge and accept the terms outlined in this Privacy Policy.

2. Developer Information

Application Name: EMI Smart - Loan EMI Calculator

Support Email: themayanr@gmail.com

Server Location: India

3. Information We Collect

A. Information Provided by You

  • Email address (when contacting support)
  • Feedback, suggestions, or inquiries

B. Automatically Collected Data

While using the App, certain technical information may be automatically collected, such as:

  • Device type and model
  • Operating system version
  • IP address
  • Advertising Identifier (Ad ID)
  • Usage statistics
  • Error logs and crash reports

All EMI calculations (loan amount, tenure, interest rate, results) are processed locally on your device. We do not store or transmit your financial calculation inputs to our servers.

4. Purpose of Data Usage

We use collected information to:

  • Provide EMI and loan-related calculation services
  • Enhance app functionality and user experience
  • Monitor performance and fix bugs
  • Respond to customer queries
  • Display advertisements where applicable
  • Maintain app security and prevent misuse

We do not sell, share, or rent your personal data to third parties.

5. Third-Party Services

The App may integrate third-party tools such as:

  • Google AdMob
  • Google Play Services
  • Firebase Analytics

These services may collect limited information including:

  • Advertising ID
  • Device identifiers
  • App interaction data
  • Approximate location (via IP address)

Users can manage or reset their Advertising ID from device settings. For users in the EEA/UK, personalized advertising is shown only after explicit consent via a Consent Management Platform (CMP).

6. Legal Grounds for Processing

We process information based on:

  • User Consent
  • Legitimate Interest (service improvement and security)
  • Compliance with legal obligations

You may withdraw consent at any time by adjusting device settings.

7. Data Retention Policy

  • Analytics data – retained up to 24 months
  • Crash reports – retained up to 12 months
  • Support communications – retained until resolution

After the retention period, data is securely deleted.

8. Permissions Used

  • INTERNET – To enable ads and analytics
  • ACCESS_NETWORK_STATE – To monitor connectivity
  • AD_ID – For advertising services

Permissions are strictly used to ensure proper app functionality.

9. Security Measures

We implement appropriate technical safeguards, including:

  • SSL/HTTPS encryption
  • Secure hosting infrastructure
  • Limited internal access controls
  • Regular system monitoring

However, no digital system can guarantee complete security.

10. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access your personal information
  • Request corrections
  • Request deletion
  • Withdraw consent
  • Restrict processing
  • File a complaint with a data protection authority

To exercise your rights, contact us at:

Email: loansmartloanemicalculator@gmail.com

We aim to respond within 30 days.

11. Children's Privacy

This App is not intended for children under 13 years of age. We do not knowingly collect data from children. If such data is discovered, it will be removed promptly.

12. International Users

If you access the App from outside India, your information may be processed in India. By using the App, you consent to such data transfer.

13. Policy Updates

We may revise this Privacy Policy periodically. Any updates will be reflected on this page with a revised "Last Updated" date. Continued use of the App indicates acceptance of the updated policy.

14. Financial Disclaimer

EMI Smart - Loan EMI Calculator is an independent financial calculation tool for informational purposes only. We are not a bank, NBFC, lender, or financial advisor. All EMI results are approximate estimates and may differ from actual calculations provided by financial institutions. Users should verify loan terms directly with their respective banks or lenders.