1. Introduction

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service. It also tells You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

While using Our Service, we collect different types of information to provide and improve our features for you.

a. Personal Data (Authenticated Users)

If you choose to create an account using Google Sign-In, we may collect personally identifiable information, including:

• Email address
• First name and last name

b. Loan Scenario Data

To use the calculator and save scenarios, the application processes the financial data you provide. This includes:

• Loan details (amount, interest rate, tenure, start date).
• Simulation details (part payments, rate changes, etc.).

c. Usage Data

We automatically collect Usage Data, such as your browser type, pages visited, and time spent on pages to help us improve the service.

3. How We Use and Store Your Data

We use your data for two main purposes: to provide the service's core functionality and to improve the website. How your data is stored depends on whether you are signed in.

• For Guest Users (Not Signed In): All loan scenario data you create is stored on your device to allow you to continue your session later. We do not have access to this data.
• For Authenticated Users (Signed In): To provide a seamless experience across devices, your loan scenarios are saved and associated with your account. Your personal data (name, email) is used for this association.
• For Service Improvement: We analyze anonymous Usage Data to understand how users interact with our Service, which helps us identify areas for improvement and make the website better for everyone.

4. Legal Basis for Data Collection

We process Your Personal Data based on one or more of the following legal grounds:

• Your consent;
• The necessity to perform a contract with you;
• Compliance with legal obligations;
• Our legitimate interests, such as improving our services and maintaining security.

5. Third-Party Services & Cookies

We may use third-party Service Providers such as Google Analytics to monitor and analyze the use of our Service. These third parties may use cookies or similar tracking technologies to collect information about your activity.

You can disable cookies through your browser settings, but doing so may affect your experience using the Service.

6. Data Sharing & Disclosure

We do not sell or rent Your Personal Data to third parties. We may share Your information:

• With Service Providers who support our website (e.g., hosting, analytics).
• If required by law or to respond to valid legal requests.
• To protect the rights, property, or safety of the Company or others.

7. Data Retention & Security

We retain Personal Data only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

We take reasonable security measures to protect your Personal Data, including encryption and access control. However, no method of transmission over the Internet is 100% secure.

8. Your Rights

We respect your privacy and want you to stay in control of your information. Depending on where you live, you may have the right to:

• Access the personal information we have about you.
• Update or correct your details (like your name or email).
• Delete your account or personal data, if you no longer wish to use our service.
• Ask questions about how we use your data.

If you'd like to make any of these requests, just email us at loanexpert1103@gmail.com, and we’ll respond as soon as possible.

9. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect data from minors. If you believe we have collected data from a child, please notify us immediately.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in regulations or services. Please review it periodically. Continued use of our services implies agreement to the current policy.

Contact Us

If you have questions or concerns about this Privacy Policy, you may contact us:

📧 Email: loanexpert1103@gmail.com

📍 Location: India