Google Play Data Safety Disclosures Summary

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Data Encryption

Encrypted in Transit (SSL/TLS)

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Data Deletion

Web & Email Request Mechanism

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Third-Party Sharing

No Sale of Personal Data

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Child Safety

COPPA / Google Family Compliant

User Account & Personal Data Deletion

Under Google Play Developer Policy, you have the right to request full deletion of your account, personal details, and data stored in LoanCalc.

100% On-Device & Private

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