Privacy Policy – Loan & Mortgage Calculator

Effective date: 2024-01-01

Introduction
AstralCore (“we”, “our”, or “us”), operating under the brand FinraCalc, develops and publishes calculator and utility applications. Our mission is to deliver useful and transparent tools that help users plan and estimate finances responsibly. This Privacy Policy explains how information is collected, stored, and used when you use the Loan & Mortgage Calculator app.

Scope
This app is a calculator tool designed for general information and estimation purposes only. It does not provide loans, approvals, brokerage, or financial services.

Data We Collect
Personal data: We do not request sign‑in or collect personal identifiers such as name, email, phone number, or address.
Local-only data: Loan inputs and calculation history are stored locally on your device and are not transmitted to our servers.
Automated Information Collection
When you use our Services, we may automatically collect limited technical data through integrated third‑party SDKs. This may include:

IP address and device identifiers (e.g., Android Advertising ID or Apple IDFA)
Device and platform details (model, OS version, carrier, screen size)
App activity (session start/stop, screen views, crash reports)
Ad interactions (views, clicks, impressions) for measurement and fraud prevention
This information is used only for advertising delivery, analytics, and service optimization.

Third‑Party SDKs & Data Use
To support app functionality and quality, we use trusted third‑party SDKs which may process limited device information:

Google Mobile Ads SDK (AdMob) – displays advertisements and may collect device identifiers and coarse location for ad delivery and measurement. Learn more: Google Ads & Data.
Firebase Analytics – helps us understand basic usage and improve the app. Learn more: Firebase Privacy & Security.
Adjust – provides install attribution and campaign performance measurement. Learn more: Adjust Privacy Policy.
These SDKs are integrated with appropriate settings and configured to comply with the Google Play Developer Program Policies. We do not collect loan applications or financial account information.

Cookies and Similar Technologies
Our advertising and analytics partners (such as Google AdMob, Firebase, and Adjust) may use cookies, SDKs, or similar technologies to personalize ads, measure effectiveness, and improve the app experience. You can disable personalized ads at any time through your device settings (e.g., “Limit Ad Tracking” on iOS or “Opt out of Ads Personalization” on Android).

Your Rights
You have the right to control and limit data processing, including:

Resetting or deleting your device’s advertising ID
Clearing calculation history stored locally on your device
Restricting personalized ads through device privacy settings
Contacting us directly to request information or deletion
International Data Transfers
Because our Services rely on global providers (Google, Firebase, Adjust), technical information may be processed outside your country of residence. We take steps to ensure adequate safeguards are in place to protect your information.

Children’s Privacy
This app is intended for a general audience and is not directed to children under 13 (or under 16 where applicable). We do not knowingly collect personal data from children.

Data Retention
We do not maintain user profiles or remote databases for this app. Any calculation history remains on your device until you delete the app data or clear it within the app.

Security
We follow reasonable practices to integrate third‑party SDKs from reputable providers, keep them updated, and limit data to what is necessary for advertising, analytics, and crash diagnostics.

Compliance and Legal
We may disclose information if required by law, regulation, or government request, or if necessary to protect our rights, safety, or users.

Changes to This Policy
We may update this Policy to reflect improvements or legal requirements. We will revise the “Effective date” above when changes are made.

Contact Us
Developer: AstralCore
Brand: FinraCalc
Website: https://finracalc.com/
Support: [email protected]

For transparency, this policy clarifies that the app is a calculator for estimation only and does not provide lending or financial services.