Privacy Policy for CicilanKU: pinjaman tracker
Privacy Policy for CicilanKU: pinjaman tracker
Effective Date: May 14, 2026
Last Updated: May 14, 2026
This Privacy Policy explains how **CicilanKU: pinjaman tracker** ("the App", "we", "our", or "us") accesses, stores, uses, and shares information when you use the mobile application.
This App is a personal finance utility that helps users estimate installments, compare scenarios, save loan notes, store simulation history, and receive optional reminder notifications. The App does **not** provide loans, process payments, or offer credit services.
For Google Play compliance, this Privacy Policy is intended to describe:
- what information the App handles;
- how that information is used;
- whether that information is shared;
- how users can manage or delete data; and
- how third-party advertising services may process data.
## 1. Developer Identity and Contact
Developer / Publisher Name: Arini Indarti
App Name: **CicilanKU: kalkulator cicilan**
Privacy Contact Email: **ariniindarti@gmail.com**
If you have privacy-related questions, requests, or complaints, please contact us using the email above.
## 2. Scope of This Policy
This Privacy Policy applies only to the Android application **CicilanKU: kalkulator cicilan** and related in-app functionality.
It does not apply to third-party websites, services, advertisers, or platforms that may be linked from, launched by, or integrated into the App, including Google AdMob and Google services. Those third parties process data under their own terms and privacy policies.
## 3. Summary of How This App Handles Data
- We do **not** require you to create an account.
- We do **not** operate our own backend server for user financial records entered into the App.
- Loan notes, simulation history, and app preferences are stored locally on your device.
- We use **Google AdMob** to show ads. As a result, Google and its advertising partners may automatically collect certain data from your device or app interactions for ad delivery, measurement, analytics, and fraud prevention.
- If you enable reminders, the App may request notification permission and may send local reminder notifications based on the due dates you store in the App.
## 4. Information We Access, Collect, and Process
### A. Information you enter into the App
The App allows you to manually enter and save finance-related information, which may include:
- loan or note titles;
- total loan amount;
- remaining balance;
- monthly installment amount;
- due date;
- personal notes you type into the notes field;
- simulation name;
- principal amount;
- interest rate;
- tenor;
- interest type;
- total payment calculation results; and
- timestamps of saved simulations.
This information is used only to provide the App's core features, such as installment calculation, note keeping, history display, and reminder logic.
### B. App preference data stored locally
The App stores certain local preferences on your device, such as:
- dark mode preference;
- whether reminder notifications are enabled; and
- whether onboarding has been completed.
### C. Notification permission and reminder-related processing
If you choose to enable reminders, the App may request the Android **POST_NOTIFICATIONS** permission.
If permission is granted, the App uses locally stored due-date information to determine whether a reminder notification should be shown. Reminder checks are performed on-device. We do not send your due-date records to our own servers for reminder processing.
### D. Advertising and third-party SDK data
The App uses the **Google Mobile Ads SDK / Google AdMob** to display banner, native, and interstitial ads.
Based on Google's official Android AdMob disclosure documentation, the Google Mobile Ads SDK may automatically collect and share data such as:
- IP address;
- user product interactions, such as app launches, ad taps, and video views;
- diagnostic information related to app and SDK performance; and
- device and account identifiers, including the Android advertising ID, app set ID, and other identifiers where applicable.
Depending on device settings, region, Google settings, ad serving configuration, and applicable law, ads shown in the App may be personalized or non-personalized. Even non-personalized ads may use mobile advertising identifiers for purposes such as frequency capping, fraud prevention, and aggregated reporting.
### E. Information we do not intentionally collect through first-party app features
Except as described above, the App does not intentionally request or collect the following through its own first-party features:
- contacts or address book data;
- call logs or SMS data;
- precise location data;
- microphone recordings;
- camera images or video;
- photo library access;
- government-issued identification numbers;
- bank account credentials;
- credit card numbers; or
- biometric identifiers.
## 5. How We Use Information
We use information handled by the App for the following purposes:
- to perform installment and loan-related calculations;
- to save and display your loan notes and simulation history on your device;
- to provide optional reminder notifications for upcoming due dates;
- to remember your app settings and preferences;
- to maintain app functionality, troubleshoot issues, and improve stability; and
- to display ads and support monetization through Google AdMob.
We do not use your locally entered financial records to build marketing profiles on our own servers.
## 6. How and When Information Is Shared
### A. No first-party sale of user data
We do **not** sell personal information or personal and sensitive user data.
### B. Sharing related to advertising
When ads are loaded or displayed, certain data may be automatically collected, transmitted, processed, or shared by Google AdMob / Google Mobile Ads SDK and its partners in accordance with their own policies. This may include data used for:
- ad delivery;
- ad measurement;
- ad performance reporting;
- fraud and abuse prevention; and
- ad personalization where applicable.
### C. Legal or compliance-related disclosures
We may disclose information if required to do so by law, regulation, legal process, or valid governmental request, or when necessary to protect rights, safety, security, or the integrity of the App.
### D. Business transfer
If ownership of the App or its related assets is transferred in a merger, acquisition, restructuring, or asset sale, information covered by this Privacy Policy may be transferred as part of that transaction, subject to applicable law.
## 7. Data Storage, Retention, and Deletion
### A. Loan notes and simulation history
Loan notes and simulation history are stored locally on your device using on-device database storage.
The App is currently designed for local-only storage and does not provide a first-party cloud sync feature for these records.
This data is generally retained until one of the following happens:
- you delete individual notes or history items;
- you use the in-app option to clear notes and history;
- you clear the App's data from Android settings; or
- you uninstall the App.
### B. App preferences
Preference data, such as dark mode choice, reminder setting, and onboarding state, is stored locally on your device and is retained until:
- you change the setting;
- you clear the App's data; or
- you uninstall the App.
### C. Advertising-related data
Advertising-related data processed by Google AdMob or Google services is retained according to Google's own policies, settings, and legal obligations, not this App's local storage rules.
## 8. Security
We use reasonable measures appropriate to the App's design to reduce privacy and security risks.
Important details:
- User-entered finance records are stored locally on your device rather than on our own remote servers.
- We do not operate a first-party cloud database for your loan notes or simulation history.
- Android backup by the App is currently disabled in the App configuration.
- According to Google's official Mobile Ads SDK disclosure, data handled by the Google Mobile Ads SDK is encrypted in transit using TLS.
However, no method of storage, transmission, or device security is completely guaranteed. If someone gains access to your unlocked device, rooted device, or device backup outside our control, your locally stored data may be exposed.
## 9. Your Choices and Controls
You can control your data and privacy in several ways:
- You can choose not to save loan notes or simulation history.
- You can delete saved items from within the App where deletion features are available.
- You can use the App's clear-data features for notes and history.
- You can disable reminder notifications in the App.
- You can revoke notification permission in your Android device settings.
- You can clear the App's data or uninstall the App to remove locally stored data.
- You can manage or reset your Android advertising ID using Android privacy or ads settings.
- You can manage ad personalization using Google privacy and ads settings where available.
## 10. Third-Party Services
The App currently relies on third-party services including:
- **Google AdMob / Google Mobile Ads SDK** for advertising and monetization; and
- **Android / Google Play services** as part of the standard Android platform environment.
Relevant third-party policies and information pages include:
- Google Privacy Policy: https://policies.google.com/privacy
- Google Advertising Policy Information: https://policies.google.com/technologies/ads
- How Google uses information from sites or apps that use its services: https://policies.google.com/technologies/partner-sites
We encourage you to review those policies because those third parties may process certain device and usage information independently of us.
## 11. International Data Transfers
Because the App uses Google AdMob and related Google services, certain advertising-related information may be processed on servers located in countries other than your own, subject to Google's infrastructure, legal requirements, and privacy practices.
By contrast, the finance records you directly enter into the App are intended to remain locally stored on your device unless you remove them, lose device control, or independently transfer them outside the App.
## 12. Children's Privacy
This App is not directed to children under 13, or the minimum age required by local law, and is not designed as a child-directed service.
Because the App relates to personal finance and may display third-party ads, it should be used only by users who are legally permitted to use such services in their jurisdiction.
If you believe a child has provided personal information through the App in a way that should be removed under applicable law, please contact us.
## 13. Account Deletion
The App does not require account registration and does not create a user account with us. Therefore, no account deletion workflow is required for normal use of the App.
To remove locally stored App data, you may delete saved items in the App, clear App storage from Android settings, or uninstall the App.
## 14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the App, legal requirements, privacy practices, or third-party integrations.
When we make material changes, we may update the "Last Updated" date above and, where appropriate, provide an additional notice within the App or through the App's store listing.
## 15. Contact Us
If you have any questions about this Privacy Policy or the App's privacy practices, please contact:
Arini Indarti
Email: ariniindarti@gmail.com