Privacy Policy

1. Data Controller

Name of Data Controller: ECONOMED LIMITED

Contact email: SaundersDominikeqi75xp@gmail.com

ECONOMED LIMITED is the legal entity that determines the purposes and means of processing personal data for the LoanCalc – EMI & TIP app.

2. Data Protection Officer (DPO)

ECONOMED LIMITED is not legally required to appoint a DPO under applicable law. If you have privacy questions or concerns, please contact our privacy team at the address above.

3. Information we collect

We may collect the following categories of data when you use the app:

• Personal information: name, email address, phone number (only if you provide it).
• Device data: IP address, device type, OS and app version, Android ID, Advertising ID.
• Health & fitness (optional): step count, distance, activity, calories, heart rate (only if available and permitted).
• Location: precise GPS, elevation, speed (only with consent).
• Usage and diagnostics: feature interactions, crash logs, preferences.
• Cookies & tracking: to store preferences and improve performance.

Phone number disclaimer: We collect phone numbers only when you voluntarily provide them (for support or verification). They are used solely for that purpose.

4. How we use information

We use collected data to:

• Deliver core features (EMI calculations, tips, history)
• Personalize the app experience
• Analyze and improve app performance
• Provide customer support
• Prevent fraud and misuse

We do not sell or rent your personal data.

5. Sharing & disclosure

We may share data only with:

• Cloud providers, analytics and crash-reporting services (under confidentiality agreements)
• Legal or regulatory authorities when required by law

We do not sell your personal information to third parties.

6. Cookies & tracking technologies

We use cookies and similar technologies to store preferences, enhance user experience, and analyze usage. You can manage or disable cookies via your device settings.

7. Location data

Precise and background location may be used to support optional fitness tracking features. Location access is always requested explicitly and can be disabled in device settings.

8. Device identifiers

We collect identifiers such as Android ID and Advertising ID for analytics and app functionality. You can reset or limit these identifiers in your device privacy settings.

9. Sensitive personal information

Sensitive data we may collect (only with consent) includes health metrics, demographic data and precise location. This data is used only for core app functions and is not shared without explicit consent.

10. Data retention

We retain personal data only as long as necessary to provide services or to meet legal obligations. When data is no longer required it will be deleted or anonymized.

11. Your rights

Depending on where you live, you may have rights including:

• Access the personal data we hold about you
• Rectify inaccurate information
• Request deletion of your data
• Know why and with whom we share data
• Opt-out of sale/sharing and targeted advertising
• Request portability of your data

To exercise any rights, contact us at: SaundersDominikeqi75xp@gmail.com

12. Opt-out — advertising, sharing, profiling

We do not sell your personal information. Options to opt-out:

• Device ad settings: disable ad personalization or reset your Advertising ID in Android settings.
• Contact us: request manual opt-out by emailing SaundersDominikeqi75xp@gmail.com.

We honor opt-out requests in accordance with GDPR, CCPA and VCDPA.

13. CCPA (California residents)

California residents may request information about collection, request deletion, and opt out of sale/sharing. We will not discriminate for exercising these rights.

14. VCDPA (Virginia residents)

Virginia residents may confirm processing, access, correct or delete data, and opt out of profiling or targeted ads.

15. Data security

We implement safeguards such as secure servers, access controls and SSL encryption. Only authorized personnel have access to sensitive data.

16. Children’s privacy

This app is not intended for children under 13. We do not knowingly collect data from children. If you believe we have collected a child's data, contact us and we will delete it.

17. Changes to this policy

We may update this policy. Changes will be posted in-app or on our Play Store listing. Continued use of the app after updates constitutes acceptance.

18. Contact & Data Controller

Data Controller: ECONOMED LIMITED

Contact email: SaundersDominikeqi75xp@gmail.com