Privacy Policy

EMI Calculator
(com.emi.smart.calculator.business.tool)

ARC WOODFLOWER LLC developed the Loan EMI & Smart Calculator application as a free loan calculator and credit limit prediction tool. This Service is provided for free and intended to be used "as is."

This page is intended to inform visitors about our policies regarding the collection, use, and disclosure of personal information when anyone decides to use our Service.

By choosing to use our Service, you agree to the collection and use of information in accordance with this policy. The personal information we collect is used to provide and improve the Service. Except as described in this Privacy Policy, we do not share or use your information with anyone.

Unless otherwise defined in this Privacy Policy, the terms used here have the same meanings as in our Terms & Conditions, which can be accessed within Loan EMI & Smart Calculator.

Information Collection and Use

To provide a better experience while using our Service, we may request you to provide certain personally identifiable information, including but not limited to Location. The information we request will be retained and used in accordance with this Privacy Policy.

This Application uses third-party services that may collect information used to identify you.

Links to privacy policies of third-party service providers used by the Application:

- Google Play Services

Log Data

We want to inform you that whenever you use our Service, in the event of an error, we may collect data and information on your device (through third-party products) called Log Data. This Log Data may include your device's Internet Protocol (IP) address, device name, operating system version, the configuration of the Application when using our Service, the time and date of your use of the Service, and other statistics.

Cookies

Cookies are files containing a small amount of data, often used as anonymous unique identifiers. These are sent to your browser from websites you visit and stored on your device.

This Service does not explicitly use these cookies. However, the Application may use third-party code and libraries that use cookies to collect information and improve their services. You can choose to accept or refuse these cookies and know when a cookie is sent to your device. Refusing cookies may prevent you from using some features of the Service.

Service Providers

We may employ third-party companies and individuals for the following purposes:

- To facilitate our Service;

- To provide the Service on our behalf;

- To perform Service-related services; or

- To assist us in analyzing how our Service is used.

We want to inform users that these third parties may have access to your personal information to perform tasks on our behalf. They are obligated not to use this information for other purposes or disclose it.

Security

We value your trust in providing us with personal information, and we strive to use commercially acceptable means to protect it. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

These Services are not intended for anyone under 18 years of age. We do not knowingly collect personally identifiable information from children under 18. If we discover that a child under 18 has provided personal information, we will delete it immediately. If you are a parent or guardian and know your child has provided personal information, please contact us so we can take appropriate measures.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. You are advised to review this page periodically for any changes. Updates will be posted on this page.

This policy is effective as of June 10, 2026.

Contact Us

If you have any questions or suggestions regarding this Privacy Policy, please contact us at customerservice@emicalculatorph.com.