Privacy Policy for Indian Users

 Privacy Policy for Indian Users 

Loan Finance EMI Calculator 

Effective Date: 12th February 2024 

As we update, improve and expand “Loan Finance EMI Calculator” this privacy policy may change, so please refer to it periodically. By accessing the “Loan Finance EMI Calculator” you give us your clear consent to collect, store, and use the information you provide (including any changes thereto as provided by you) for any of the services that we offer. “Loan Finance EMI Calculator” [Our mobile application, currently on ANDROID (is a trademark of Google LLC) – Google Play], is owned and operated by Rahul Kumar (hereinafter referred as “Loan Finance EMI Calculator”, “We”, “Our”, “Us”, “Company”, “App”). “Loan Finance EMI Calculator” offers its end users an interesting Loan Finance EMI CalculatorGame. This Privacy Policy applies to information collected through the services, as well as other information provided to us online or offline by End Users, Advertisers and other customers or users of our mobile application; however, it does not apply to information collected from our employees, contractors or vendors. 

By accessing and/or using the “Loan Finance EMI Calculator”, application, website or other services, you agree to this privacy policy and the Terms of Use of the “Loan Finance EMI Calculator” app and give consent to the collection, transfer, operation, storage, disclosure and other uses of your information as described in this Privacy Policy. Do not access or use our services (“Loan Finance EMI Calculator”) by any means or technology which conceals your actual geo-location or is unable to provide accurate details of the location (for example, use a Virtual Private Network (VPN) to access “Loan Finance EMI Calculator” Services). 

If you have any doubts about this Privacy policy or how “Loan Finance EMI Calculator” uses your personal information, shared preferences, or similar technologies, please contact “Loan Finance EMI Calculator” on rahulpubmaxx@gmail.com or else stop using the services altogether. You may also contact our Data Protection Officer at rahulpubmaxx@gmail.com. 

As part of our efforts to provide you better access and control over the information which we collect and process about you, we require you to download and use the latest version of the “Loan Finance EMI Calculator” available at the Google Play store. 

If you continue to use an older version of the App, we would not be responsible or liable for the collection, storage and processing of your information. You are required to update to the most current version of the app. 

Information we capture/ track /obtain: (This information is only captured from your device after you grant permission to “Loan Finance EMI Calculator”) 

We capture/ track information from your use of services. This information may be obtained

from third parties in some cases. This information is used to provide the best & customized service to each of our users, improve overall service delivery, devise new services, identify and reduce fraud or unauthorized use of our services and other purposes. All this information is captured after your explicit confirmation and permissions wherever required. Information tracked has been mentioned below to give details of the same. 

1. Device and account information 

We collect device-specific information (such as Device ID and Google Advertising ID “GAID”). How we use this information: We primarily use this information to detect fraud & unauthorized usage of “Loan Finance EMI Calculator” services. Your device level information is also used in tracking your activity within “Loan Finance EMI Calculator” 

2. Log information 

When you use our services or view content provided by “Loan Finance EMI Calculator” we automatically collect and store certain information in server logs. This includes: 

1. details of how you used our service 

2. Device event information such as crashes, system activity, hardware settings, the date and time of your request and referral URL. 

3. to provide relevant offers based upon your interest 

4. Internet protocol address 

5. Strictly necessary cookies 

How we use this information 

We use the information collected, to improve your user experience and the overall quality of our services. We use multiple such 3rd party services like Google Analytics , Meta Audience Network, Google Ads, 

Firebase and Singular etc (Link to the 3rd party Privacy Policy is mentioned below, kindly go through the same) We may combine personal information from one service with information, including personal information, from other services to create a rich profile of you, to better your experience on “Loan Finance EMI Calculator” 

Google Analytics https://policies.google.com/privacy?hl=en-US 

Meta Audience Network 

https://developers.facebook.com/docs/audience-network/optimization/best-practices/an-pol i cy/ 

Google Ads https://policies.google.com/privacy?hl=en-US

Singular https://www.singular.net/privacy-policy 

Firebase https://firebase.google.com/support/privacy 

3. Unique application numbers 

Certain services include a unique application number. This number and information about your installation (for example, the operating system type, application version number, etc.) may be sent to “Loan Finance EMI Calculator” when you install or uninstall that service. How we use this information Operating system type & version helps us in providing the best experience of “Loan Finance EMI Calculator” for your operating system along with customizing offers displayed to you. Information about Installing and uninstalling other services helps us in keeping track of offers that are common between these and “Loan Finance EMI Calculator” and thus gives you the best experience and performance within the app. 

4. Local storage 

We may collect and store information locally on your device using mechanisms such as application data, and caches. 

How we use this information 

This information is used to: 

1. Maintain your session on “Loan Finance EMI Calculator” 

2. This information may also be used from time to time to sync with “Loan Finance EMI Calculator” servers and update services that we provide to you within the app on your next usage. 3. Cookies and similar technologies 

We use various technologies to collect and store information when you visit a “Loan Finance EMI Calculator” service, and this may include using cookies or similar technologies (Device ID) to identify your browser or device. We also use these technologies to collect and store information when you interact with services 

We offer to our partners, such as advertising services or “Loan Finance EMI Calculator” features that may appear on other sites or various SDKs we use for product Analytics that help us analyse the traffic. Services or “Loan Finance EMI Calculator” features that may appear on other sites or various SDKs we use for product Analytics that help us analyse the traffic. 

5. How we use this information: 

The information collected is used to maintain and verify product-related activity, and to improve your user experience and the overall quality of our services. We use multiple 3rd party services like Google Analytics, Google Ads, etc. We may combine personal information from one service including personal information, from other services to create your rich profile and to give you the best experience within “Loan Finance EMI Calculator”, Information we share:

We do not share your personal information with companies, organizations and individuals outside of “Loan Finance EMI Calculator” & its partner companies unless one of the following circumstances applies: 

· With your consent 

We will share device-level information with companies, organizations or individuals outside of “Loan Finance EMI Calculator” when we have your consent to do so. When you agree to our Privacy Policy, you provide us consent to share your device-level information (mainly used for analytics, and services purpose). We do not share your personally identifiable information with any entity outside “Loan Finance EMI Calculator”2. For external processing: 

We provide information to our affiliates or other trusted businesses or persons to process it for us, based on our instructions and in compliance with Privacy Policy and any other appropriate confidentiality and security measures. 

· . For legal reasons 

We will share personal information with companies, organizations or individuals outside of “Loan Finance EMI Calculator” & its partner companies due to various legal reasons. 

Personally identifiable information may be transferred as an asset in connection with a merger or sale (including any transfers made as part of an insolvency or bankruptcy proceeding) involving all or part of our business or as part of a corporate reorganization, stock sale, or other change in control. Your visit and any dispute over privacy are subject to this policy and our terms of Use, including limitations on damages. We will only share your personal information with other companies or individuals outside of “Loan Finance EMI Calculator” & its partner companies in the following circumstances: 

1. As necessary to process your transactions and to maintain your user experience. 2. To facilitate our service/ provide service on our behalf. 

3. To assist us in analyzing how you used our service. 

Access to your Personal Information 

We will provide you with the means to ensure that your Personal Information is correct and updated. If you have made a user profile, we give you a clear way to use our application, services, or product to access, modify and update your profile along with the option for opt out. We adopt reasonable security measures to protect your information from being exposed or disclosed to anyone. 

6. Why Do We Collect Information? 

· We collect, use and process Personal Information for a variety of business purposes, including:

● · to operate, improve and optimize our Loan Finance EMI CalculatorGame; - to personalize our Services, understand our users and their preferences to enhance user experience and enjoyment using our Services and improve our users’ experience 

● · to provide access to certain areas, functionalities and features of our Services · to notify you about product updates, new products or promotional offers 

● · to send related information, including confirmations, technical notices, updates, security alerts and support and administrative messages 

● to respond to your comments and inquiries and provide customer support services. · to prevent potentially prohibited or illegal activities and protect our 

users. · to measure interest in our Services 

● · to ensure internal quality control; and to verify Individual identity 

● · Inform you about our products and services. 

“Loan Finance EMI Calculator” may use your Personal Information to provide materials about offers, products and services that may be of interest, including content or services. “Loan Finance EMI Calculator” may provide you with these materials by push notification, or email, as permitted by applicable law, including: 

To deliver advertising, and promotional information to you; to tailor content, advertisements and offers; to notify you about products and services or upcoming special offers/events that may be interesting for you; and to notify you about rewards, surveys, contests or other promotional activities or events sponsored or managed by us or our business partners. 

Send Push Notifications 

“Loan Finance EMI Calculator” may occasionally use push notifications to send you app updates and information on services-related notifications that may be important to you. You may at any time opt-out from receiving these types of communications by turning them off at the device level through your settings. 

7. Links 

We may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve our customized content. If you click on links, you might end up on websites outside of our domain. Please note that those products or services are offered by people or companies not affiliated with or controlled by us, and we are not responsible for their actions, their terms, their use of information, or their products or services. If you submit your information to a third party, that third party’s treatment of your information is governed by their privacy policy, which may differ from this Privacy Policy and which we encourage you to review. This Privacy Policy applies solely to information collected by “Loan Finance EMI Calculator” 

We use the Meta Audience Network (Facebook SDK) to provide personalized advertisements and analyze app performance. Meta may collect device information and app activity data in accordance with their privacy policy.

8. Data Subject Rights/Your Rights 

Right to be Informed 

You have the right to be informed for the collection of Personal Information except in some

instances, for example, where the information is already contained in, or derived from, a public record, or has deliberately been made public by you, or where the collection of the information from another source would not prejudice your legitimate interest. 

Right to access 

You, having provided adequate proof of identity, has the right to request “Loan Finance EMI Calculator” to confirm, free of charge, whether or not “Loan Finance EMI Calculator” holds about your information. You may also request for a description of the personal information within a reasonable time. The information provided to you shall be in a reasonable manner and in a form that is generally understandable. “Loan Finance EMI Calculator” may refuse access to records where the record contains legally privileged documents. Right to Rectification 

You have the right to request for Rectification of your personal information that “Loan Finance EMI Calculator” possesses. 

Right to erasure 

“Loan Finance EMI Calculator” allows you the right to request to correct or delete your personal information that is inaccurate, irrelevant, and excessive, or which “Loan Finance EMI Calculator” is no longer authorised to retain. You have the right to request that “Loan Finance EMI Calculator” delete any or all of the personal information that “Loan Finance EMI Calculator” collected from you and retained, subject to certain exceptions. Upon “Loan Finance EMI Calculator” receipt and confirmation of a verifiable consumer request from you, “Loan Finance EMI Calculator” will, unless an exception applies, delete (and direct any of our service providers having such information to delete) your personal information from “Loan Finance EMI Calculator” records. Under certain conditions, “Loan Finance EMI Calculator” may deny your deletion request for deletion if retaining the information is necessary for “Loan Finance EMI Calculator” or our service provider(s) to: 

● Protect the product/app and detect security incidents, including preventing fraudulent, deceptive, malicious, or illegal activity, or enforcing the law against those responsible for such actions. 

● Comply with the applicable laws 

● Adhere to any legal obligation 

● Provide the service you have requested for, complete a purpose for which “Loan Finance EMI Calculator” has obtained the personal information, to carry out any contract with you, do any other actions we may reasonably foresee in the course of our ongoing commercial relationship with you within the context of “Loan Finance EMI Calculator”. 

● Participate in peer-reviewed or public historical, scientific, or statistical research in the public interest that complies with all other applicable privacy laws and ethical constraints, when the information’s deletion may likely seriously impair or render impossible the research’s achievement if you previously provided informed consent 

● Troubleshoot or debug products, including identifying and repairing errors and intended functionality impairments 

● Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.

● Make other lawful and internal uses of that information that are compatible with the context in which you provided it. 

Exercising Deletion Rights 

To exercise your deletion rights described above, please submit a verifiable consumer request to “Loan Finance EMI Calculator” by sending an email to “Loan Finance EMI Calculator” at rahulpubmaxx@gmail.com. Only you, or a person registered with the appropriate authority authorized by you to act on your behalf, may make a verifiable consumer request related to your personal information. 

Right to object/Opt-out 

You have the right to opt out of certain uses and disclosures of your Personal Information. When you have consented to "Loan Finance EMI Calculator" App’ processing of your Personal Information or other information, you may withdraw that consent at any time and opt-out of further processing, by contacting rahulpubmaxx@gmail.com. 

Response Timing and Format 

“Loan Finance EMI Calculator” makes efforts to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), “Loan Finance EMI Calculator” will inform you of the reason and extension period in writing. If you have an account with the “Loan Finance EMI Calculator” will deliver its written response to that account. If you do not have an account with us, or a response is not capable of being sent thereto, “Loan Finance EMI Calculator” will deliver our written response by mail or electronically, at your option. Any disclosures “Loan Finance EMI Calculator” provides will only cover the 12-month period preceding the verifiable consumer request’s receipt. If applicable, the response “Loan Finance EMI Calculator” provides will also explain the reasons “Loan Finance EMI Calculator” cannot comply with a request. You can download & install the “Loan Finance EMI Calculator” & can play Loan Finance EMI CalculatorGame. 

Grievance Contact Information 

In the event you have any grievance relating to the processing of information provided by you, you may contact us at rahulpubmaxx@gmail.com or write to us at the following address: 

Team “Loan Finance EMI Calculator” 

Rahul kumar

623 gali geeta puri bhoor khatauli

Muzaffarnagar - 251201