Privacy Policy

1. Non-Financial Service Disclaimer

LoanMate is strictly a personal record-keeping, organizer, and financial calculation tool — it does not lend money, originate loans, process payments, transfer funds, or connect to any bank, NBFC, lending platform, credit bureau, or financial institution. Category labels you choose (such as personal, car, home, gold, education, credit-card EMI, KSFE chitty, LIC, business, or custom) are organizational names for tracking commitments you manage elsewhere. The app has no formal relationship with, and does not integrate with, any bank or lender.

2. Data You Enter (Local Device Storage)

Loan details you enter — title, lender name, principal amount, interest rate, tenure, EMI amount, payment history, due dates, notes, and custom categories — are saved in a private Room (SQLite) database and Encrypted DataStore on your device. This data stays on your physical phone and is never transmitted to us or any third parties unless you explicitly enable Google Drive backup or export files yourself.

3. Optional Google Drive Backup & Sync

LoanMate can back up your loan records to your personal Google Drive account if you explicitly sign in and turn on cloud sync in Settings. This feature uses restricted Google Drive API scopes (drive.file and drive.appdata):

• Backups are stored in a designated folder named loanmate backupfile on your Google Drive.
• We (the developers) have zero access to your Google Account, credentials, or Drive files. All communication occurs directly between your Android device and Google's official API servers via encrypted HTTPS/TLS.
• The backup file is a structured JSON payload containing your loan entries and payment histories.
• The app automatically retains up to the 5 most recent backups and prunes older entries to conserve space.
• You can disable sync in app Settings at any time, or revoke access completely via your Google Account permissions page.

4. Biometric App Lock

LoanMate optionally supports locking the app using your device's fingerprint or face unlock. This is managed entirely by Android's native BiometricPrompt framework. LoanMate never receives, collects, or stores raw biometric data; the OS simply provides a pass/fail authentication result.

5. Local Export & PDF Summaries

You can export your loan records as a JSON file or generate a PDF summary at any time using Android's FileProvider. These files are stored locally and are shared only when you explicitly select a destination (such as email or messaging apps).

6. Permissions Requested

7. Third-Party Services & Strict No-Tracking Policy

LoanMate includes only official essential SDKs (Google Play Services for OAuth/Drive Sync, and Google Play In-App Updates):

• No Ads: Zero advertising SDKs (e.g., no AdMob). No ad tracking.
• No Analytics: Zero behavioral tracking SDKs (e.g., no Firebase Analytics or Google Analytics).
• No Crash Reporting SDKs: No third-party crash log collection transmitted off-device.
• No Third-Party Data Sharing/Sale: We do not sell, rent, trade, or share user data under any circumstances.

8. Data Retention & Deletion

Deleting entries inside the app removes them immediately. Clearing app data in Android Settings or uninstalling LoanMate permanently purges all local data. Cloud backups on Google Drive can be deleted directly from your Drive account or by revoking access from your Google permissions page.

9. Children’s Privacy

LoanMate is intended for general adult financial management and is not directed at children. It does not knowingly collect data from children under 13 (or applicable legal age).

10. Changes to This Policy

If our privacy practices change in future updates, this policy will be updated with a revised effective date.

11. Contact Developer

For questions or privacy inquiries, contact Geo Paulson at geopaul94@gmail.com.