Privacy Policy

This Privacy Policy explains how Home Loan Calculator ("we", "our", or "the App") handles user information when you download and use our mobile application.

1. Information Collection and Storage

We respect your right to financial privacy:

• Mortgage Calculation Data: All parameters entered by you (such as home price, down payment, interest rates, loan terms, property taxes, home insurance, HOA dues, and prepayments) are processed strictly in your device's memory.
• Saved Calculations: Any loan scenarios you choose to save are stored in a private local database on your device (SQLite / Room Database).
• Preferences: Custom settings like your selected currency symbol and dark/light display theme are saved in private local app preferences.

2. App Permissions

The application only requests standard Android system permissions necessary for core operation:

• INTERNET & ACCESS_NETWORK_STATE: Required to verify connectivity and display advertisements via Google AdMob.
• Storage / File Exporting: Used only when you choose to export your calculation results or amortization schedule as a PDF document.

3. Third-Party Services & Advertising

The App integrates third-party SDKs to provide advertising support. These third parties may collect standard analytical and diagnostic information according to their own privacy practices:

• Google AdMob & Google Play Services: AdMob may collect pseudonymous device identifiers (such as Android Advertising ID), IP addresses, and interaction metrics to serve non-personalized or personalized ads.
  For more details, please review the Google Privacy Policy and How Google uses information from sites or apps.

4. Children's Privacy

Our application is designed for general audiences and does not knowingly collect or solicit personal data from children under the age of 13. If you believe a child has provided us with personal information, please contact us so we can take immediate action.

5. Data Security

Because all calculation data is stored exclusively on your device, your financial records remain completely under your control. We do not operate external login servers, user accounts, or cloud databases holding your financial inputs.

6. Changes to This Policy

We may update this Privacy Policy periodically. Any modifications will be updated on this page with a revised "Last updated" date.

7. Contact Us

If you have any questions or feedback regarding this Privacy Policy, please feel free to reach out: