At Loan & Bank Terminal, your privacy is our priority. We are committed to ensuring your personal financial data remains private and secure. This privacy policy outlines how our app operates and reassures you that we do not collect, store, or share any personal data from our users.

1. 100% Offline Functionality

Loan & Bank Terminal is built to be a local-first utility. We believe your financial calculations should remain private and under your total control.

No Account Required: You can use all features—including loan calculations, fixed deposit projections, and treasury bill tracking—without creating an account or providing an email address.
Local Storage: All data, such as your loan payment schedules and saved calculations, stays exclusively on your physical device.
No Data Transmission: Because the app works 100% offline, your financial information is never transmitted to our servers, any cloud provider, or third-party databases.

2. Core Features & Data Usage

The app processes the following information locally on your device to provide its services:

• Loan Calculations: Interest rates, principal amounts, and payment dates used to track your debt.
• Investment Projections: Data regarding Fixed Deposits and Treasury Bills to help you calculate potential returns.
• Payment Tracking: Logs of your loan repayments to help you stay organized.

None of this information is accessible by the developers or any third party.

3. Permissions

To enhance your experience, Loan & Bank Terminal may request:

Storage Access: Required only if you choose to export your loan schedules or financial reports as PDF or Excel files to your device storage.
Notifications: To provide local reminders for upcoming loan payments (if enabled by you).

These permissions are used strictly for on-device functionality and never for data harvesting.

4. Security

Since your data is stored locally, its security depends on your device's security. We recommend using your phone’s built-in screen lock (PIN, Pattern, or Biometrics) to prevent unauthorized access to your locally stored financial records.

5. Third-Party Services

Loan & Bank Terminal may use AdMob to display advertisements, which helps keep the app free. These services may collect basic, non-personal device identifiers (like your AAID or IDFA) to show relevant ads. However, these services do not have access to the financial data you input into the app.

6. Changes to This Policy

We may update this policy to reflect new offline features or changes in local regulations. Any changes will be updated here and within the app interface.

7. Contact Us

If you have any questions about our offline privacy approach, please contact us at: info@ididev.com