Privacy Policy
The short version
This app has no account, no login and no server of its own. It never asks for your name, PAN, Aadhaar, salary details, bank details, documents, password or one-time password. Everything you type into the calculators, tick on the checklist, or save in the FAQ stays on your device and is deleted when you uninstall the app.
The one exception is advertising. The app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier in order to serve them. That is described in full below.
1. Information we do not collect
We do not ask for, collect, transmit or store any of the following:
- Your name, email address, phone number or postal address
- Your PAN, Aadhaar number, voter ID, passport or driving-licence details
- Salary slips, bank statements, employment details or any income information
- Bank account details, UPI details, card details or any financial account information
- Passwords, PINs or one-time passwords
- Contacts, SMS messages, call logs, photos, files or precise location
- Any document or image
Beyond internet access and the advertising identifier used by the ads SDK, the app declares no permission and requests no runtime permission. It has no access to your contacts, SMS, call log, camera, storage, microphone or location. It does not accept loan applications and does not collect applicant data of any kind.
2. Information stored on your device
The following is written to local storage on your phone only. It is never uploaded, never synced, and never visible to us or to anyone else.
| What | Why |
|---|---|
| Preparation-checklist ticks | So your progress survives closing the app |
| Saved FAQ answers | So you can find them again |
| Theme preference and onboarding state | App settings |
| Launch counter, advert pacing counters and any ad-free window you have earned | To limit how often adverts appear |
Calculator and simulation inputs are kept only while a screen is open and are not written to storage. You can erase everything at any time by clearing the app's data in Android settings or by uninstalling the app.
3. Advertising
This app is free and is paid for by advertising supplied by Google AdMob. To serve adverts, measure them and limit how often you see the same one, the Google Mobile Ads SDK may collect and process:
- Your device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Coarse, IP-derived location (country or region level)
- Advert interaction events, such as an impression or a click
This data is collected by Google, not by us. We never receive it and we cannot link it to you. Google's handling of it is governed by the Google Privacy & Terms.
Your choices
- Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any advert is requested. You can change or withdraw that consent at any time from Settings → Ad privacy choices inside the app.
- You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads. You can also opt out of advert personalisation there.
4. Network requests
The app makes exactly two kinds of outbound request:
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request contains no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
The app contains no link to any lender, regulator or third-party website. The only link in the app is the one that opens this page in your browser. All app traffic uses HTTPS; cleartext traffic is disabled at the platform level.
5. Children
This app explains a credit product for salaried adults and is not intended for children under 18. We do not knowingly collect any information from children, and we do not collect information from anyone under 13.
6. Data retention and deletion
Because no personal data leaves your device, there is nothing for us to retain or delete on a server. Local data is removed when you clear the app's data or uninstall the app. For data held by Google in connection with advertising, follow Google's own controls linked above.
7. Your rights
Under the Digital Personal Data Protection Act 2023 (India) and comparable laws elsewhere, you have rights of access, correction, erasure and grievance over personal data held about you. Since this app holds no personal data about you on any server, those rights are satisfied by the on-device controls described above. If you believe otherwise, contact us and we will respond.
8. Accuracy of the content
The guidance, figures and calculators in this app are educational illustrations based on information published on the lender's public website at the time of research. They are not a quotation, an offer, an approval, or a statement of any actual loan, and they are not financial or legal advice. Rates, fees and processes can change. Always rely on the lender's own agreement and official channels.
9. Changes to this policy
If this policy changes, the updated version will be published at this address with a new date at the top. Material changes will also be noted in the app's release notes.
10. Contact
Questions about this policy: developer@maydev.web.id
Questions about an actual loan, application, repayment or complaint must go to the lender through its own official channels, not to us. We have no access to any lender's systems.