Privacy Policy

Effective Date: August 22, 2026 | Last Updated: August 22, 2026

Thank you for choosing Auto Loan Calculator ("we," "our," or "us"). We are committed to protecting your personal privacy. This Privacy Policy explains how our mobile application for Android (the "App") handles user data, how third-party advertising services operate within the App, and your rights regarding your information.

1. Information We Do NOT Collect

We believe your financial calculations and vehicle purchase decisions are strictly personal.

No Account Registration: You are not required to create an account, register, or provide personal identity information (such as your name, email address, physical address, or phone number) to use the App.
No Remote Financial Data Collection: All loan amounts, interest rates, down payment figures, trade-in values, loan tracker logs, amortization schedules, and Total Cost of Ownership (TCO) expenses entered into the App are stored locally on your device. We do not transmit, sync, or store your financial calculations on our own remote servers.

2. Information Handled Locally On Your Device

The App stores certain data strictly within your device's private local storage (e.g., Android DataStore / Local Storage):

Saved Deals & Scenarios: Auto loan calculation records you explicitly save.
Loan Tracker Data: Active vehicle loan balances, payment logs, and reconciliation history.
Preferences: Your selected country/currency, theme appearance mode (Dark/Light/System), and payment schedule reminder configurations.
Exported Files: PDFs (Dealer Summary Sheets) and CSV files (Amortization Schedules) generated by the App are saved in your device's temporary cache and shared only when you trigger the system share sheet.

You can delete this data at any time by clearing the App's data in your device settings or uninstalling the App.

3. Third-Party Services and Advertising

To keep the App free to use, we display advertisements provided by Google AdMob, an advertising service operated by Google LLC.

Data Collected Automatically by Google AdMob:

Google AdMob may collect and process certain data in accordance with Google's Privacy Policy, including:

Device Identifiers: Google Advertising ID (AAID on Android).
Technical Device Data: Device model, operating system version, screen resolution, language settings, and network connection type.
Location Data: Coarse/general location derived from IP address (for localized ad delivery).
Ad Interaction Metrics: Ad impressions, clicks, performance data, and fraud detection signals.

Privacy Policies of Third-Party Providers:

Google AdMob & Google Play Services: https://policies.google.com/privacy
Google Advertising Policies: https://policies.google.com/technologies/ads

4. Permissions Requested by the App

The App may request the following device permissions solely to provide specific features:

android.permission.INTERNET: Required to fetch and display advertisements via Google AdMob and to open external legal/disclaimer links.
android.permission.POST_NOTIFICATIONS: Optional permission used exclusively to alert you of scheduled loan payment due dates configured in the Loan Tracker.
android.permission.SCHEDULE_EXACT_ALARM / USE_EXACT_ALARM: Used to trigger local payment reminders precisely at your chosen notification time without background server polling.

5. Your Privacy Rights and Ad Choices

Opting Out of Personalized Advertising:

Android: Open your device Settings → Google → Ads (or Privacy → Ads) → Tap Delete Advertising ID or toggle Opt out of Ads Personalization.

European Economic Area (EEA), UK & California Privacy Rights:

If you reside in the EEA, UK, Switzerland, or California (CCPA/CPRA), you have rights regarding your personal data:

Right to Access & Deletion: Since we do not maintain central user databases or user accounts, your financial inputs exist solely on your device and can be deleted instantly by clearing App storage.
Consent Management: Where required by applicable law, we implement Google's User Messaging Platform (UMP) / CMP consent framework to allow you to customize or revoke advertising consent at any time.

6. Children's Privacy

The App is intended for general audiences interested in automotive financing and does not knowingly collect personally identifiable information from children under 13 (or under 16 in certain jurisdictions). If you believe that a child has provided us with personal information, please contact us so we can take appropriate measures.

7. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect changes in legal requirements, App features, or advertising standards. Any updates will be posted on this page with a revised "Last Updated" date. Continued use of the App following any changes indicates your acceptance of the updated policy.

8. Contact Us

If you have any questions, feedback, or concerns regarding this Privacy Policy or our privacy practices, please contact us at:

Website: https://loancalculatorpro.app
Email: [email protected]