EMI Planner is a personal finance application that helps users calculate, track, and plan EMI (Equated Monthly Installment) loans. This Privacy Policy explains what information the app collects, how it is used, and your rights regarding that information.
By using EMI Planner, you agree to the practices described in this policy. Your financial data never leaves your device — it is stored locally and is never transmitted to our servers.
The following data is entered by you and stored exclusively on your device using a local Room/SQLite database. It is never transmitted to our servers:
Your theme preference (Light / Dark / System Default) is stored locally on your device via SharedPreferences and is never shared externally.
The app integrates Google AdMob to display advertisements. AdMob may automatically collect the following — processed by Google LLC under their own privacy policy:
We do not access or store AdMob-collected data ourselves. Review Google's Privacy Policy and AdMob data practices for details.
| Data | Purpose |
|---|---|
| Loan & payment data | Calculating EMI schedules, generating amortization tables, insights, and PDF reports — all processed locally on-device |
| Theme preference | Restoring your display preference across app sessions |
| AdMob data | Serving relevant advertisements to support the free app |
| Notification schedule | Sending EMI due date reminders via WorkManager |
The app uses Android WorkManager to schedule local EMI reminder notifications based on due dates you configure. These notifications:
The app provides a Next EMI Countdown Widget that displays your next upcoming EMI due date. This widget:
The PDF export feature generates a loan amortization report entirely on-device. The generated PDF:
The app requests internet access solely for loading advertisements via Google AdMob. No financial or personal data entered in the app is transmitted over the internet by us.
EMI Planner is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided information through the app, please contact us and we will take appropriate action.
You can opt out of personalised advertising by resetting or opting out of your Android Advertising ID:
Settings → Google → Ads → Delete advertising ID
Settings → Google → Ads → Opt out of Ads Personalization
Since all your loan data is stored locally on your device, you can delete it at any time by:
Settings → Apps → EMI Planner → Clear Data| Service | Provider | Purpose | Privacy Policy |
|---|---|---|---|
| AdMob | Google LLC | In-app advertising | policies.google.com |
We are not responsible for the privacy practices of third-party services. We encourage you to review their privacy policies.
We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last Updated" date at the top of this document. We encourage you to review this policy periodically. Continued use of the app after changes constitutes acceptance of the updated policy.
If you have any questions or concerns about this Privacy Policy or the app's data practices, please reach out:
We're happy to answer any privacy-related questions about EMI Planner.