Privacy Policy for Loan Tracker
Last Updated: September 2025
Introduction
Loan Tracker (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
- Loan Data: Information about loans you create, including amounts, interest rates, payment schedules, and related details
- Payment Records: Payment history, amounts, dates, and notes you add
- Contact Information: Names of lenders/borrowers and any contact details you choose to store
- App Preferences: Language settings, currency preferences, and notification preferences
- Device Identifiers: Unique device identifiers for analytics purposes
- App Usage Data: How you interact with the app, features used, and performance metrics
- Technical Information: Device type, operating system version, and app version
Analytics Data
- Usage Analytics: Screen views, user interactions, and feature usage (when analytics are enabled)
- Performance Data: App crashes, errors, and performance metrics
- Custom Events: Loan creation, payment recording, and other user actions (when analytics are enabled)
Primary Functions
- Loan Management: Store and manage your loan information and payment records
- Calculations: Perform interest calculations, balance tracking, and payment scheduling
- Notifications: Send payment reminders and loan-related notifications based on your preferences
- Data Persistence: Save your data locally on your device for offline access
Analytics and Improvement
- App Improvement: Analyze usage patterns to improve app functionality and user experience
- Feature Development: Understand which features are most valuable to users
- Performance Monitoring: Identify and fix bugs, crashes, and performance issues
Communication
- Notifications: Send payment reminders and important loan-related alerts
- Updates: Inform you about app updates and new features
Data Storage and Security
Local Storage
- Primary Storage: All your loan and payment data is stored locally on your device using SQLite database
- Encryption: Sensitive data is encrypted using device-level security features
- No Cloud Sync: Your data is not automatically synced to external servers
Security Measures
- Device Security: We rely on your device’s built-in security features
- Data Access: Only the app has access to your stored data
- Secure Transmission: Any data transmitted (analytics) uses secure protocols
We Do NOT Share Your Personal Data
- No Third-Party Sharing: We do not sell, trade, or share your personal loan data with third parties
- No Data Brokers: We do not provide your information to data brokers or marketing companies
- No Advertising Networks: We do not share data with advertising networks
Limited Exceptions
- Analytics Service: Anonymous usage analytics may be shared with Firebase Analytics (Google) when enabled
- Legal Requirements: We may disclose information if required by law or to protect our rights
- Service Providers: We may share data with trusted service providers who assist in app functionality (e.g., notification services)
Your Rights and Choices
Data Control
- Access: You can view all your data within the app
- Modification: You can edit, update, or delete your loan and payment information
- Deletion: You can delete individual loans, payments, or the entire app to remove all data
Privacy Settings
- Analytics: You can disable analytics tracking in the app settings
- Notifications: You can customize or disable notifications in your device settings
- Data Export: You can manually export your data by taking screenshots or notes
Opt-Out Options
- Analytics: Disable analytics in app settings to stop data collection
- Notifications: Turn off notifications in device settings
- App Deletion: Uninstalling the app removes all local data
Third-Party Services
Firebase Analytics
- Purpose: App usage analytics and crash reporting
- Data: Anonymous usage statistics and performance metrics
- Control: Can be disabled in app settings
- Privacy: Google’s privacy policy applies to Firebase services
Local Notifications
- Service: Device’s built-in notification system
- Data: Payment reminders and loan alerts
- Control: Managed through device notification settings
Data Retention
Local Data
- Retention Period: Data is retained as long as the app is installed
- Deletion: Data is deleted when you uninstall the app
- Backup: No automatic cloud backup is performed
Analytics Data
- Retention: Analytics data is retained according to Firebase’s retention policies
- Anonymization: Analytics data is anonymized and cannot be linked to your identity
Children’s Privacy
Our app is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.
International Users
Data Processing
- Location: Data is processed on your local device
- Transfers: Limited analytics data may be processed by Google (Firebase) in the United States
- Compliance: We comply with applicable data protection laws
Changes to This Privacy Policy
Updates
- Notification: We will notify you of significant changes through app updates
- Review: We encourage you to review this policy periodically
- Effective Date: Changes become effective when posted
Your Continued Use
Continued use of the app after policy changes constitutes acceptance of the updated policy.
Questions or Concerns
If you have questions about this Privacy Policy or our data practices, please contact us at:
- Email: [Your Contact Email]
- App Support: Through the app’s help and support section
Data Requests
For data access, correction, or deletion requests, please contact us using the information above.
Compliance
Applicable Laws
This Privacy Policy complies with:
- GDPR: General Data Protection Regulation (EU)
- CCPA: California Consumer Privacy Act (US)
- PIPEDA: Personal Information Protection and Electronic Documents Act (Canada)
- Other Applicable Laws: Based on your jurisdiction
Your Rights
Depending on your location, you may have additional rights regarding your personal data, including:
- Right to access your data
- Right to correct inaccurate data
- Right to delete your data
- Right to data portability
- Right to object to processing
Summary
Key Points:
- ✅ Your loan data stays on your device
- ✅ No personal data is sold or shared with third parties
- ✅ Analytics can be disabled
- ✅ You control your data
- ✅ No cloud backup without your explicit action
- ✅ Secure local storage
We are committed to protecting your privacy and giving you control over your personal information.
This Privacy Policy is effective as of the date listed above and applies to all users of the Loan Tracker application.