Privacy Policy for Loan Planner

 

Privacy Policy for Loan Planner

Effective Date: September 27, 2026

Developer / Contact Email: sparknovaapps@gmail.com

SparkNova Apps ("we," "our," or "us") operates the Loan Planner mobile application (hereinafter referred to as the "App"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our App and the choices you have associated with that data.

We are committed to protecting your privacy and ensuring that your financial planning experience is secure.

1. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our App to you.

A. Personal Data Provided by You

To provide core functionalities like loan calculations, amortization schedules, and financial planning, the App may require or allow you to input certain financial information:

  • Loan amounts, interest rates, loan terms, and extra payment details.

  • Budgetary numbers, income, and expense figures.

Important Note: All financial data, numbers, and calculations entered into the App are stored locally on your device. We do not upload, transmit, or store your personal financial numbers on any external servers or cloud databases.

B. Automatically Collected Information (Usage Data & Analytics)

When you access the App through a mobile device, we may collect certain information automatically, including, but not limited to:

  • The type of mobile device you use.

  • Your device’s unique device ID.

  • The IP address of your mobile device.

  • Your mobile operating system.

  • The type of mobile internet browser you use.

  • Diagnostic data, crash logs, and app usage statistics.

We use this information to analyze trends, administer the app, track users' movements around the app, and gather demographic information about our user base as a whole.

2. Third-Party Services

The App may use third-party services (such as Google Analytics for Firebase, AdMob, or similar tools) that collect information used to identify you or analyze app performance.

  • Analytics Tools: Help us understand how users engage with the App so we can improve features and user experience.

  • Advertising Networks (if applicable): If the App displays ads, third-party ad networks may use device identifiers to serve relevant advertisements.

Please review the privacy policies of any third-party service providers integrated into the App for details on how they handle data:

3. Use of Data

SparkNova Apps uses the collected data for various purposes:

  • To provide and maintain the Loan Planner App.

  • To notify you about changes to our App.

  • To allow you to participate in interactive features of our App when you choose to do so.

  • To provide customer support and respond to inquiries.

  • To gather analysis or valuable information so that we can improve the App.

  • To monitor the usage of the App and detect, prevent, and address technical issues.

4. Security of Data

The security of your data is important to us. Because your financial inputs and calculations remain primarily on your device, they are protected by your device's built-in security measures (such as screen locks and device encryption). However, remember that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

5. Children's Privacy

Our App does not address anyone under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us at sparknovaapps@gmail.com. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

7. Contact Us

If you have any questions, concerns, or suggestions about this Privacy Policy, please feel free to contact us:

  • By Email: sparknovaapps@gmail.com

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