Privacy Policy

Last updated: June 5, 2026

1. Introduction

LoanCalcApp ("we," "us," "our," or "Company") operates the LoanCalcApp website and mobile application (collectively, the "Service"). This Privacy Policy explains our practices regarding the collection, use, disclosure, and protection of your information.

We are committed to protecting your privacy and ensuring transparency about how we handle your data. Please read this Privacy Policy carefully. If you do not agree with our practices, please do not use our Service.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when using our Service, including:

  • Loan calculation inputs (loan amount, interest rate, loan term, loan type)

2.2 Automatically Collected Information

When you use our Service, we automatically collect certain information about your device and usage:

  • Log Data: IP address, browser type, referring/exit pages, operating system, date/time stamps
  • Device Information: Device type, model, operating system version
  • Usage Data: Pages visited, features used, time spent on pages, click patterns
  • Cookies & Similar Technologies: We use cookies, web beacons, and similar tracking technologies to enhance user experience and analyze usage

2.3 Third-Party Information

We may receive information about you from third-party services, including:

  • Analytics providers (Google Analytics)
  • Advertising partners and networks
  • Data aggregators (where permitted by law)

3. How We Use Your Information

We use the information we collect for various purposes:

  • To provide and maintain the Service
  • To improve, personalize, and enhance user experience
  • To monitor and analyze usage patterns and trends
  • To detect, prevent, and address fraud or security issues
  • To display personalized advertising
  • To comply with legal obligations
  • To enforce our Terms of Service and other agreements

4. Cookies and Tracking Technologies

4.1 What Are Cookies?

Cookies are small data files stored on your device that help us recognize you and enhance your experience. We use both session-based and persistent cookies.

4.2 Types of Cookies We Use

  • Essential Cookies: Necessary for the Service to function properly
  • Analytics Cookies: Help us understand how users interact with our Service
  • Advertising Cookies: Enable personalized advertising through Google AdSense and other partners
  • Preference Cookies: Remember your settings and preferences

4.3 Managing Cookies

Most browsers allow you to refuse cookies or alert you when cookies are being sent. You can also clear cookies through your browser settings. However, blocking cookies may affect the functionality of our Service.

5. Third-Party Services

5.1 Google Analytics

We use Google Analytics to track and analyze usage patterns. Google Analytics collects information such as pages visited, time spent, and referral sources. Google has its own privacy policy governing how it uses this data. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

5.2 Google AdSense

We display personalized advertisements through Google AdSense. Google may use cookies to show you ads based on your previous visits to our website and other sites on the Internet. You can opt out of personalized advertising through Google's Ad Settings.

5.3 Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.

6. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no security system is impenetrable, and we cannot guarantee absolute security. Your use of our Service is at your own risk.

7. Data Retention

We retain information only as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law. Calculation data is not stored unless you choose to export or save it. Automatically collected information (logs, usage data) is typically retained for 90 days.

8. Your Privacy Rights

Some browsers include a "Do Not Track" feature. Our Service currently does not respond to DNT signals, but you can disable cookies and tracking through your browser settings.

9. Compliance with Laws

We comply with applicable privacy and data protection laws, including the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and other relevant regulations. Your rights under these laws are incorporated into this Privacy Policy.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Your continued use of our Service following the posting of a revised Privacy Policy means you accept and agree to the changes.