Privacy policy
PRIVACY POLICY FOR Mudra Loan - Instant Cash Calc
Last updated: September 09, 2026
1. INTRODUCTION
Welcome to Mudra Loan - Instant Cash Calc. ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy.
This Privacy Policy explains how our mobile application handles user information and clarifies that our application is strictly an educational and financial calculation utility tool.
Please read this Privacy Policy carefully. By downloading, accessing, or using Mudra Loan - Instant Cash Calc, you agree to the practices described in this policy.
2. IMPORTANT DISCLAIMER & NON-LENDING DECLARATION
- No Lending or Brokerage Services: Mudra Loan - Instant Cash Calc is NOT a bank, Non-Banking Financial Company (NBFC), money lender, or financial intermediary. We do NOT provide loans, disburse funds, process credit applications, or facilitate lending in any form.
- Educational & Calculation Purpose: All features, including EMI calculators, tenure estimators, interest calculators, and loan readiness checklists, are provided strictly for general informational and planning purposes.
- No Government Affiliation: This application is independent and is NOT affiliated with, authorized by, or endorsed by the Government of India, the Income Tax Department, NSDL, UTIITSL, the Reserve Bank of India (RBI), or any banking institution.
3. INFORMATION WE DO NOT COLLECT
We respect your privacy and follow a data-minimization approach:
- No PAN or Identity Documents Collected: We DO NOT ask for, store, scan, verify, or transmit your actual Permanent Account Number (PAN), Aadhaar number, bank account details, or government ID cards.
- No Financial Credentials: We never request passwords, PINs, OTPs, credit/debit card numbers, or online banking credentials.
- No Invasive Device Permissions: The app does not access your personal contacts, SMS messages, phone call logs, camera, gallery, or precise GPS location.
4. INFORMATION PROCESSED ON-DEVICE (LOCAL STORAGE)
- Any numbers or inputs entered into the calculator (such as loan amount, interest rate, tenure, or questionnaire choices) are processed entirely on your device (client-side).
- These entries are saved only in your device's local memory (e.g., SharedPreferences/local app storage) for your personal convenience and are never transmitted to our servers.
- You can clear this data at any time by clearing the application's storage or cache from your device settings, or by uninstalling the application.
5. AUTOMATICALLY COLLECTED TECHNICAL DATA & THIRD-PARTY SERVICES
To ensure app stability, performance, and basic functionality, we may use standard third-party developer services (such as Google Play Services, Firebase Analytics, or Crashlytics):
- Device & Performance Data: Anonymous technical details such as your device model, operating system version, app version, language preference, and crash reports.
- Advertising (if applicable): If advertisements are displayed within the app, third-party ad networks (such as Google AdMob) may collect anonymous advertising IDs (AAID/IDFA) to serve relevant or non-personalized ads in accordance with their respective privacy policies. You can reset or limit ad tracking in your device's privacy settings.
6. DATA SECURITY
Because your calculation inputs and questionnaire selections remain strictly on your local device, there is no remote transmission or storage of your financial figures. We maintain industry-standard practices to ensure the integrity of the application code.
7. CHILDREN’S PRIVACY
Our application is intended for general audiences who are at least 18 years old and capable of managing financial planning. We do not knowingly collect personal identifiable information from children under the age of 13.
8. LINKS TO THIRD-PARTY WEBSITES
The app may mention or provide informational links to official portals (such as the official Income Tax e-filing portal or banking education pages). We have no control over the content, privacy policies, or practices of any third-party websites or services.
9. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect changes in our app features, legal requirements, or platform policies. Any changes will become effective immediately upon posting the updated Privacy Policy on this page.
10. CONTACT US
If you have any questions, feedback, or concerns regarding this Privacy Policy or our app practices, please feel free to contact us:
- App Name: Mudra Loan - Instant Cash Calc
- Contact Email: PRATIKBHAROLIYA1999@gmail.com