Privacy Policy
Privacy Policy for Credit Loan - Instant Cash Cal
Effective date: October 3, 2026
This Privacy Policy explains how the "Credit Loan - Instant Cash Cal" mobile application ("the App", "we", "us" or "our") handles information when you use it. By using the App, you agree to the practices described in this policy.
1. About the App
Credit Loan - Instant Cash Cal is an educational and guidance app. It helps users understand loans, EMIs, interest and safe borrowing through calculators, guides and examples.
The App does NOT provide, offer, arrange or recommend any loan, credit or financial service. We are not a bank, lender, broker or financial adviser. All numbers, rates and results shown in the App are examples for learning purposes only.
2. Information We Do Not Collect
We do not ask you to create an account or sign up. We do not collect, store or share:
- Your name, email address, phone number or postal address
- Your income, bank details, credit score or any financial documents
- Your contacts, photos, messages or files
- Your precise (GPS) location
Any numbers you enter in the calculators (such as loan amount, interest rate, tenure or income) are processed only on your device to show results. They are not sent to us or stored on any server.
Choices you make inside the App (such as learning style, topics or income range) are kept only in the device's memory while the App is open and are cleared when the App is closed.
3. Currency Symbol
The App shows a currency symbol based on your device's language and region settings. This is read locally on your device. We do not access your GPS location and do not send this information anywhere.
4. Advertising and Third-Party Services
The App displays advertisements to keep it free. Ads are provided by third-party advertising partners, such as Google AdMob.
These partners may automatically collect certain information from your device to show ads, measure ad performance and prevent fraud. This may include:
- Device advertising identifier (IDFA), only if you allow tracking
- IP address and approximate (country or city level) location
- Device type, operating system version and app version
- Ad interactions (for example, ads viewed or tapped)
- Diagnostic and performance data related to ads
This information is collected and handled by the advertising partner under its own privacy policy. We do not control and do not receive this information in a way that personally identifies you.
Google's privacy policy: https://policies.google.com/privacy
How Google uses information from apps that use its services: https://policies.google.com/technologies/partner-sites
5. App Tracking Transparency (iOS)
On iOS, the App asks for your permission before your device's advertising identifier can be used for tracking, as required by Apple's App Tracking Transparency framework.
- If you choose "Allow", you may see ads that are more relevant to you.
- If you choose "Ask App Not to Track", you will still see ads, but they will be less personalised.
You can change this choice at any time in your iPhone's Settings > Privacy & Security > Tracking.
6. Children's Privacy
The App is not directed at children under the age of 13, and we do not knowingly collect personal information from children. If you believe a child has provided personal information through the App, please contact us and we will take appropriate steps.
7. Data Security
Because we do not collect or store personal information on our servers, there is no personal data held by us that could be exposed. Information collected by third-party advertising partners is protected according to their own security practices.
8. Links to Other Websites
The App may contain links to third-party websites, such as official bank or credit bureau websites. We are not responsible for the content or privacy practices of those websites. Please review their privacy policies before sharing any information.
9. Your Choices
- You can limit ad tracking in your device settings at any time.
- You can stop all data collection by the App by uninstalling it.
10. 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. Continued use of the App after changes means you accept the updated policy.
11. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
Email: hareshribadiya1980@gmail.com
App: Credit Loan - Instant Cash Cal