Privacy Policy

Last Updated: April 25, 2025

Introduction

Welcome to the LoanCal.org privacy policy. This policy explains how we collect, use, disclose, and safeguard your information when you visit our website at LoanCal.org or use our mobile applications (collectively, the "Services").

We respect your privacy and are committed to protecting your personal data. Please read this privacy policy carefully to understand our practices regarding your personal data.

Information We Collect

Information You Provide

When using our Services, you may voluntarily provide information such as:

  • Contact information (such as email address) when subscribing to newsletters or contacting us
  • Calculator inputs used for loan, mortgage, and other financial calculations
  • Account information if you create an account (web or mobile)
  • Feedback and survey responses

Information Automatically Collected

When you use our Services, we may automatically collect certain information, including:

  • Device information (such as device type, operating system, and browser type)
  • IP address and general location information
  • Usage patterns and interaction with our Services
  • Cookies and similar tracking technologies

Mobile App Specific Information

Our mobile applications may collect additional information:

  • Device identifiers (such as Advertising ID for Android or IDFA for iOS)
  • Mobile device settings and characteristics
  • System logs and performance data
  • Mobile analytics data about app usage

How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our Services
  • Process and complete transactions
  • Send administrative information, such as updates, security alerts, and support messages
  • Respond to your comments, questions, and requests
  • Understand user preferences to enhance the user experience
  • Develop new products, services, features, and functionality
  • Monitor and analyze trends, usage, and activities in connection with our Services
  • Detect, prevent, and address technical issues and fraudulent activities

Data Storage and Security

We implement appropriate technical and organizational measures to secure your personal data from accidental loss and unauthorized access, use, alteration, or disclosure.

Website Calculations

Our website performs calculations locally in your browser without storing your financial inputs on our servers, unless you explicitly choose to save calculations with a user account.

Mobile App Calculations

Our mobile applications store calculation data locally on your device by default. If you enable cloud sync features, this data will be securely stored on our servers with encryption.

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

App Permissions

Our mobile applications may request the following permissions:

Android Permissions

  • Internet access: Required to sync saved calculations and receive app updates
  • Storage: Required to save calculation results locally
  • Vibration: Used for haptic feedback during user interactions
  • Camera: Optional, used only if you choose to scan documents for data entry

iOS Permissions

  • Network: Required to sync saved calculations and receive app updates
  • Local storage: Required to save calculation results
  • Camera: Optional, used only if you choose to scan documents for data entry

You can revoke these permissions at any time through your device settings, though this may limit certain app functionalities.

Third-Party Services

Our Services may use third-party services for analytics, advertising, and other functionality. These services may collect information sent by your browser or mobile app, such as cookies or your IP address.

Analytics

We use analytics services like Google Analytics to help us understand how users engage with our Services. These tools may use cookies and similar technologies to collect information about your use of our Services.

Advertising

Our Services may display advertisements from third-party ad networks including Google AdSense. These networks may use cookies and similar technologies to personalize ads based on your interests.

Google AdSense

We use Google AdSense to display advertisements. Google uses cookies to serve ads based on your prior visits to our website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the Internet.

Third-party vendors, including Google, use cookies to serve ads based on users' prior visits to our website and other websites. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting:

For mobile apps, you can use your device's advertising ID settings:

  • Android: Settings → Google → Ads → Opt out of interest-based ads
  • iOS: Settings → Privacy → Tracking → Disable "Allow Apps to Request to Track"

Your Data Rights

Depending on your location, you may have certain rights regarding your personal information:

  • Access and receive a copy of your data
  • Rectify inaccurate or incomplete information
  • Request deletion of your personal data
  • Object to or restrict how we use your data
  • Data portability
  • Withdraw consent (where applicable)

To exercise these rights, please contact us at [email protected].

Mobile App Data

For mobile app users:

  • You can delete locally stored calculation data by clearing app data through your device settings
  • If you've created an account, you can delete your account and associated data through the app settings or by contacting us
  • You can disable cloud sync features at any time through the app settings

Children's Privacy

Our Services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

International Data Transfers

Your information may be transferred to, stored, and processed in countries other than the one in which you reside. By using our Services, you consent to the transfer of information to countries outside your country of residence, which may have different data protection rules.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated privacy policy on our website and update the "Last Updated" date.

For material changes, we will provide a more prominent notice or direct notification if required by applicable law. We encourage you to review the privacy policy whenever you access our Services.

Contact Us

If you have any questions about this privacy policy or our privacy practices, please contact us at:

Email: [email protected]

Mail: LoanCal.org
Privacy Department
123 Calculator Way
Financial District, NY 10001