Privacy Policy

1. Information We Collect

We respect your privacy. Mortgage & Loan Calculator is designed to collect absolutely no personal information from you. All calculations (mortgage payments, amortization schedules, loan comparisons) happen entirely on your device.

1.1 Advertising Data (Google AdMob)

Our app uses Google AdMob to display advertisements. AdMob may collect and use the following anonymous, non-personal data to serve relevant ads:

• Device information (model, OS version, screen size)
• Advertising ID (resetable by user)
• Approximate location (based on IP address - city level only)
• App usage data (which screens you view)
• Network connection type (WiFi, cellular)

⚠️ Important: We do not receive any personal identifiable information from AdMob. We cannot identify you or track you across apps.

1.2 No Personal Data Collected

Mortgage & Loan Calculator does NOT collect:

• ❌ Your name, email, phone number, or address
• ❌ Financial information (loan amounts, interest rates, property values)
• ❌ Location data (GPS or precise location)
• ❌ Contacts, photos, or files on your device
• ❌ Login credentials or passwords

2. How We Use Information

Since we collect no personal data, we only use anonymous advertising data for:

• Showing relevant mortgage/loan-related advertisements
• Improving ad performance and preventing fraud
• Measuring ad effectiveness (impressions, clicks)

All calculator features work 100% offline without any data collection.

3. Third-Party Services

We use the following trusted third-party service:

These services operate under their own privacy policies. We encourage you to review them.

4. Data Storage and Security

Mortgage & Loan Calculator does not store any user data on external servers. All information you enter (loan amounts, interest rates, etc.) remains only on your device and is never transmitted to us or any third party (except anonymous ad requests).

We implement industry-standard security measures to protect any anonymous data collected by AdMob, though no method of transmission over the internet is 100% secure.

5. Children's Privacy

Our app is not directed to children under 13. We do not knowingly collect personal information from children. If you're a parent and believe your child has provided personal information, contact us and we will delete it.

Google AdMob is COPPA compliant and can be configured to serve non-personalized ads to children.

6. Your Choices and Controls

6.1 Ad Personalization

You can reset your advertising ID or opt out of personalized ads at any time:

• Android: Settings → Google → Ads → Opt out of Ads Personalization
• iOS: Settings → Privacy → Apple Advertising → Turn off Personalized Ads

6.2 Limit Ad Tracking

Even with personalized ads disabled, you may still see ads—they will just be less relevant to you.

6.3 Delete App Data

To remove all locally stored data (if any), simply uninstall the app from your device.

7. 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. For significant changes, we may notify you through the app or via email (if you've provided it, though we don't collect emails).

We encourage you to review this policy periodically.

8. Your Rights (GDPR / CCPA)

Depending on your location (e.g., European Economic Area, California, Brazil), you may have additional rights regarding your data:

• Right to access - Know what data we hold about you
• Right to deletion - Request deletion of your data
• Right to opt-out - Of data collection for advertising purposes
• Right to data portability - Receive your data in a portable format

Since we collect no personal data, these rights are automatically satisfied. For any concerns about anonymous AdMob data, please contact Google directly.

9. Consent

By using Mortgage & Loan Calculator, you consent to this privacy policy and the collection and use of anonymous advertising data as described. If you do not agree, please do not use the app or disable ad personalization in your device settings.