Privacy Policy for LoanCalc
App: LoanCalc: EMI Calculator & PDF
Package Name: net.stmlabs.emicalculator
Developer: Sky Touch Media (STMLabs)
Official Website: https://www.stmlabs.net
Support Email: admin@stmlabs.net
Registered Location: Sirhind, Punjab, India
Effective Date: September 11, 2026
Mandatory Financial Disclaimer
LoanCalc is purely an offline financial calculation, comparison, and amortization planning utility. It does not provide loans, credit lines, credit cards, or financing facilities, and is not affiliated with any bank, Non-Banking Financial Company (NBFC), or government authority.
1. 100% On-Device Local Processing
LoanCalc is built on a strict privacy-first architecture. All calculation engines, amortization algorithms, and PDF exports run strictly on your local device. We do not collect, transmit, upload, or sell any of your personal or financial data.
2. Information We Do NOT Collect
- No Personal Identification: We never ask for, collect, or store your name, phone number, email address, physical address, national identity numbers (Aadhaar, PAN, SSN), or device serials.
- No Financial or Bank Data: Loan amounts, interest rates, bank offer comparisons, prepayment figures, SIP/FD/RD investments, and GST values entered into the app remain exclusively in your device's temporary memory. None of this data is logged or uploaded to any remote server.
- No Location Tracking: The application does not access GPS, Wi-Fi location, or cell-tower data.
- No Contact List or Media Access: The app does not read your address book, photos, microphone, or camera.
3. Device Permissions & File Generation
We strictly adhere to the principle of minimal required permissions:
- Zero Storage Permissions: In compliance with Android scoped storage principles, LoanCalc does not require broad storage permissions.
- PDF Download: Utilizes the native Android Print / Save-as-PDF framework, granting you complete control over saving without granting access to other files.
- PDF Sharing: Generates a temporary PDF in secure sandboxed cache and invokes Android Sharesheet via secure FileProvider.
4. Advertising Disclosure
The initial release (v1.0.0) is completely 100% ad-free with zero third-party advertising SDKs or tracking libraries.
5. Contact & Developer Details
Sky Touch Media (STMLabs)
Official Website: https://www.stmlabs.net
Support Email: admin@stmlabs.net
Registered Location: Sirhind, Punjab, India
Policy URL: https://www.stmlabs.net/emicalculator-privacy