PRIVACY POLICY

App Name: Loan EMI Calculator Effective Date: 27 March 2026 Bank Loan – EMI Calculator is a financial and productivity application developed by Freebird to help users calculate loan EMIs, track repayments, and manage loan-related information efficiently. We value your privacy and are committed to protecting your data. This Privacy Policy explains how information is handled when you use the app.

  1. Information You Provide The app does not require account creation. You can use the app without providing personal information such as your name, phone number, or email address. However, you may enter loan-related data, including: Loan amount Interest rate Tenure Repayment details Notes or related financial entries This data is used only within the app to provide calculations, tracking, and insights.
  2. Data Storage (Local-First) All your loan and financial data is stored locally on your device. We do not store your personal or financial data on our servers. You have full control over your data and can edit or delete it anytime within the app.
  3. Google Drive Sync (Optional) The app provides an optional Google Drive sync feature. If you choose to use this feature: Your loan data is stored in your own Google Drive account Data is not stored on Freebird servers Data transfer is handled via Google's infrastructure You can enable or disable sync at any time.
  4. Subscriptions & Payments The app offers premium features through: Google Play Store subscriptions Apple App Store subscriptions Lifetime purchase options We use RevenueCat to manage subscription status. All payments are processed by Google or Apple We do not collect or store your payment details RevenueCat may process anonymous identifiers to validate subscription status
  5. Third-Party Services We use limited third-party services only for subscription management: RevenueCat We do not use analytics tools, advertising SDKs, or crash reporting services.
  6. Permissions The app may request: Notifications → for EMI reminders Internet access → for Google Drive sync and subscription validation No unnecessary or sensitive permissions are requested.
  7. Data Sharing We do not sell, rent, or share your personal or financial data. Your loan data remains: On your device, or In your personal Google Drive (if sync is enabled) Limited data may be processed by RevenueCat strictly for subscription validation.
  8. Data Security We take reasonable measures to protect your data. However: No method of storage is completely secure Users are responsible for securing their device and Google account
  9. Children's Privacy This app is intended for general use and is not specifically directed toward children. We do not knowingly collect personal information from children.
  10. Changes to This Policy We may update this Privacy Policy from time to time. Changes will be reflected on this page with an updated effective date.
  11. Contact Us Chandra Hasan Freebird � � [email protected]

TERMS OF USE

Terms of Use & Terms of Service App Name: Bank Loan – EMI Calculator Effective Date: 27 March 2026

  1. Acceptance of Terms By installing or using Bank Loan – EMI Calculator (“the App”), you agree to these Terms of Use and Terms of Service. If you do not agree with these terms, you should discontinue use of the App.
  2. Nature of the Service The App is a financial utility tool designed to calculate loan EMIs, track loan repayments, and provide insights related to loan costs and schedules. The App is intended for informational and planning purposes only and does not provide financial, legal, or investment advice.
  3. User Data and Input The App does not require account creation. Users may voluntarily enter loan-related data, including loan amount, interest rate, tenure, repayment details, and notes or related entries. This data is used solely within the App to enable calculations, tracking, and insights.
  4. Data Storage and Ownership All data is stored locally on the user’s device. The App does not store or transmit personal or financial data to its own servers. Users retain full ownership and control over their data and may edit or delete it at any time. If the optional Google Drive sync feature is enabled, data is stored in the user’s personal Google account and handled through Google’s infrastructure. The App does not access or retain this data externally.