Privacy Policy

Effective Date: March 9, 2026

This Privacy Policy describes how the mobile application Smart EMI Calculator handles user information.

The application is designed to help users calculate Equated Monthly Installments (EMI) for different types of loans such as home loans, personal loans, and car loans.

Your privacy is important to us. This application is designed to function without collecting or storing personal user data.

1. Information We Collect

The application does not collect, store, or share any personal information.

Specifically, the application does not collect:

Name
Email address
Phone number
Location data
Device information
Usage analytics
Financial or personal identity information

All calculations are performed locally on the user’s device.

2. Local Data Storage

The application may store EMI calculation history locally on the user’s device using device storage.

This data is only stored on the user's device.
The developer cannot access this information.
If the application is uninstalled, the stored data will be permanently deleted.

3. Authentication

The application does not require user registration or login.

No authentication services such as email login or third-party login systems are used.

4. Permissions

The application does not request any special device permissions.

It does not require access to:

Camera
Microphone
Contacts
Location
Storage permissions
Notifications

5. Third-Party Services

The application does not use any third-party services.

Specifically, the application does not use:

Analytics services
Advertising networks
Cloud databases
Payment gateways

6. Data Sharing

Since no personal data is collected, no user data is shared with any third parties.

7. Children's Privacy

The application is intended for general audiences and may be used by anyone.

Since the application does not collect any personal information, it does not knowingly collect information from children under the age of 13.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

9. Contact Information

If you have any questions about this Privacy Policy, you may contact:

Developer: Edwin Joe
Email: edwinjoedevops@gmail.com