PRIVACY POLICY

 

Privacy Policy for EMI Calculator

Last updated: 2026

This Privacy Policy explains how ROUTHS ("we") handles information in connection with the EMI Calculator mobile application ("Application").

EMI Calculator is a financial utility application designed to help users calculate monthly loan payments, estimate interest costs, compare loan scenarios, and perform other loan and financial calculations.

We respect your privacy and aim to keep the information you provide while using the Application secure and transparent.

1. Information You Provide

The Application allows you to enter information such as:

• Loan amount

• Interest rate

• Loan tenure

• EMI amount

• Processing fees

• Prepayment or part-payment amounts

• Other values required for financial calculations

These values are used to perform calculations and provide results within the Application.

Where the Application stores calculation history or preferences, such information may be stored locally on your device. We do not require you to create an account or submit personal information in order to use the core calculator features.

2. Information Collected Automatically

The Application may use third-party technologies that automatically collect certain technical and usage information.

Depending on the services enabled in the Application, this information may include:

• Device type and model

• Android version

• Application version

• Approximate location information

• IP address

• Advertising identifier

• Application usage information

• Crash and diagnostic information

This information may be used to operate, maintain, analyze, and improve the Application.

3. Analytics

We may use Firebase Analytics to understand how users interact with different features of EMI Calculator.

Analytics may include events such as:

• Opening the Application

• Using calculator features

• Selecting different calculator options

• Interacting with application screens

• General feature usage

• Session information

We may also use aggregated or pseudonymous information about calculator activity to understand feature usage and improve the Application.

We do not intentionally collect sensitive personal information through calculator inputs.

4. Crash and Diagnostic Information

To help maintain the stability and reliability of the Application, technical information relating to application errors or crashes may be collected through third-party services.

This may include:

• Crash reports

• Device information

• Operating-system information

• Application version

• Diagnostic logs

• Technical performance information

Crash and diagnostic information is used to identify problems and improve application performance.

5. Push Notifications

EMI Calculator may use Firebase Cloud Messaging (FCM) to send notifications to your device.

Notifications may relate to:

• New application features

• Application updates

• Calculator features

• General financial information

• Reminders or other application-related messages

FCM uses a device or application-instance registration token to deliver notifications.

You can disable application notifications through your device's notification settings, subject to the controls available on your device.

6. Advertising

The Application may display advertisements using Google AdMob / Google Mobile Ads SDK.

Advertising providers may collect certain information automatically, which may include:

• Advertising identifiers

• Device information

• IP address

• Ad interaction information

• Application usage information

• Information used for advertising measurement

Depending on applicable settings and requirements, advertisements may be personalized or non-personalized.

Advertising preferences may be managed through your Android or Google settings where applicable.

7. Cookies and Similar Technologies

EMI Calculator does not use traditional browser cookies as a core calculator feature.

However, third-party services integrated into the Application may use technologies such as advertising identifiers, SDKs, local storage, cookies, or similar technologies for purposes including advertising, analytics, measurement, security, and service delivery.

The use of these technologies is subject to the respective policies of the third-party providers.

8. Local Data Storage

Certain information, such as application preferences, calculation history, or other settings, may be stored locally on your device when supported by the Application.

Locally stored information generally remains on your device unless you delete it, clear the Application's data, or uninstall the Application.

Information processed independently by third-party services may be retained according to their respective policies.

9. Third-Party Services

The Application may use services provided by third-party companies to support analytics, advertising, notifications, application functionality, and diagnostics.

These may include:

• Google Play Services

• Google AdMob / Google Mobile Ads SDK

• Firebase Analytics

• Firebase Cloud Messaging

These third-party services may process information according to their own privacy policies and terms.

We recommend reviewing the privacy policies of these providers for additional information about their data practices.

10. Children's Privacy

EMI Calculator is not intended to specifically target children under the age of 13.

We do not knowingly request or intentionally collect personal information from children under 13 through the Application.

If you believe that a child has provided personal information through the Application, please contact us so that we can review the situation and take appropriate action.

11. Data Security

We take reasonable measures to protect information handled by the Application.

However, no electronic storage system or method of transmitting information over the internet can be guaranteed to be completely secure.

Therefore, while we work to protect information using reasonable safeguards, we cannot guarantee absolute security.

12. External Links and Services

The Application may provide access to third-party services, websites, advertisements, or other external content.

When you interact with a third-party service, that service's own terms and privacy policy may apply.

We are not responsible for the privacy practices or security procedures of third-party websites or services.

13. Changes to This Privacy Policy

We may modify this Privacy Policy when necessary to reflect changes to the Application, our services, third-party integrations, or applicable requirements.

When changes are made, we will update the "Last updated" date shown at the top of this policy.

We recommend checking this page periodically for the latest version of the Privacy Policy.

Changes become effective when the revised policy is published.

14. Contact Us

If you have questions, feedback, or concerns regarding this Privacy Policy or the EMI Calculator Application, you can contact us at:

Brand Name: Routh's
Application: EMI Calculator
Email: ranurouth71@gmail.com

We will make reasonable efforts to respond to privacy-related inquiries.