Privacy Policy for Agnibyte: Loan EMI Calculator

Effective Date: 01/11/2025

Agnibyte: Loan EMI Calculator we respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our app.

1. Introduction

Agnibyte: Loan EMI Calculator provides financial calculators, including EMI, GST, SIP calculators etc, for educational purposes only.

  • The app does not provide personalized financial advice.
  • The app does not recommend specific financial products.
  • The app does not facilitate financial transactions.

By using our app, you agree to the terms of this Privacy Policy.

2. Information We Collect

We do not collect sensitive financial information, KYC data, or personal investment details.

We may collect non-identifiable information for app improvement purposes:

  • Device type and operating system
  • App usage statistics (feature usage, session duration)
  • Crash reports or error logs

All such information is anonymous and used solely to improve the app experience.

3. Third-Party Services We Use

Our app uses third-party services for ads, analytics, crash reporting, and notifications. These services may collect anonymized data.

  • Google Play Services – For in-app-purchases
  • Google AdMob – serves ads in the app.
  • Firebase Analytics – collects anonymous usage statistics for app performance.
  • Firebase Crashlytics – collects crash reports and technical errors.
  • Facebook – serves ads in the app.
  • Izoto – used for push notifications and app engagement.

Please review their privacy policies for more details:

The Service Provider may disclose User Provided and Automatically Collected Information:

  • as required by law, such as to comply with a subpoena, or similar legal process;
  • when they believe in good faith that disclosure is necessary to protect their rights, protect your safety or the safety of others, investigate fraud, or respond to a government request;
  • with their trusted services providers who work on their behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.

4. How We Use Your Information

Information collected is used only to:

  • Improve app performance and usability
  • Serve relevant advertisements
  • Monitor and fix technical issues
  • Analyze usage trends for app development
  • Send push notifications (if enabled by the user)

We do not sell, share, or rent your personal data to third parties.

5. Data Storage & Security

  • All calculations and user input are processed locally on your device.
  • We implement industry-standard security practices to protect any anonymous data collected.
  • We do not store or transmit sensitive financial information.

6. User Rights

You have the right to:

  • Access non-identifiable data we collect
  • Opt-out of push notifications and personalized ads
  • Request deletion of analytics or crash data
  • Contact us with any privacy concerns

To exercise these rights, please email: contact@agnibyte.com

7. Children’s Privacy

Our app is not directed to children under 13. We do not knowingly collect personal information from children. Any accidental collection will be deleted promptly.

8. Compliance Section

We do not:

  • Provide personal loans, business loans, credit cards, or mortgages
  • Ask users to apply for loans or financial products
  • Partner with or represent any bank, NBFC, or financial institution
  • Collect KYC / PAN / Aadhaar / banking documents
  • Offer financial advice, recommendations, or approvals

We simply offer digital calculators that help users understand estimated financial calculations.

9. Disclaimer

Disclaimer: Agnibyte: Loan EMI Calculator is an independent financial calculation tool intended solely for educational and planning purposes. This app does NOT provide loans, credit approval, financing, brokerage, investment advice, or any type of regulated financial services.

All EMI, interest, investment and tax results are formula-based estimates and should not be considered financial advice, guarantees or approval indicators. Users should verify information independently and consult a licensed financial professional for personalized financial decisions.

📝 Note

  • This app functions only as a calculator and information tool.
  • This app is not a lender, not an NBFC, and not affiliated with any bank or financial institution.
  • This app does not assist, recommend or arrange loans.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted in the app or on our website. The effective date at the top will be updated.

11. Contact Us

For questions or concerns regarding this Privacy Policy:

Email: contact@agnibyte.com
Website: https://agnibyte.com/