Privacy Policy for Personal Loan: Loans Tracker
Privacy Policy
Effective Date: June 19, 2026,
Personal Loan: Loans Tracker (“we,” “our,” or “the App”) is developed and published by Arini Indarti. This Privacy Policy explains how the App handles information when you use our mobile application.
By using Personal Loan: Loans Tracker, you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App.
About the App
Personal Loan: Loans Tracker is an independent manual loan installment tracker and calculator. The App is designed to help users manually record personal loan details, create installment schedules, calculate estimated monthly payments, track due dates, and monitor payment progress.
The App is not a loan provider, lender, loan broker, financial institution, or bank. The App does not provide loans, approve loans, process loan applications, disburse money, collect repayments, or connect users to lenders.
Personal Loan: Loans Tracker is not affiliated with, endorsed, sponsored, or operated by BCA or any bank. All information and calculations inside the App are for personal tracking and estimation purposes only.
Information You Provide in the App
The App may allow you to manually enter information such as:
Loan name
Loan amount
Loan tenor
Interest rate
Estimated installment amount
Due dates
Payment status
Paid dates
Notes
Fees entered by the user
Reminder preferences
App settings
This information is used only to provide the App’s core features, such as loan tracking, installment scheduling, calculation, reminders, and payment progress display.
Local Data Storage
Personal Loan: Loans Tracker is designed to work as a manual offline tracker. Loan records, installment schedules, payment status, and notes entered by the user are stored locally on the user’s device.
We do not operate a server to collect, store, or manage your loan records. We do not access your locally stored loan records unless you voluntarily contact us and choose to share information for support purposes.
If you delete the App, clear app data, reset your device, or change devices, locally stored data may be deleted and may not be recoverable.
Information We Do Not Collect
Personal Loan: Loans Tracker does not collect or request the following information:
Identity documents such as KTP, passport, or driver’s license
Salary slips or employment documents
Bank account login credentials
Internet banking credentials
Credit card details
Debit card details
Contacts
Phone numbers
SMS messages
Call logs
Photos
Videos
Audio files
Precise location
Biometric information
Installed app list
Loan application documents
Sensitive financial account credentials
The App does not require users to create an account and does not ask users to submit loan applications.
Permissions Used by the App
The App may request only limited permissions necessary for its functionality.
The App may use internet-related permissions if advertisements are displayed through Google AdMob. These permissions allow ads to load and allow basic network connectivity checks.
If the App includes reminder features, it may request notification permission to send local due date reminders.
The App does not request access to contacts, SMS, call logs, precise location, photos, videos, microphone, camera, or sensitive device information.
Advertising
Personal Loan: Loans Tracker may display advertisements using Google AdMob or other Google advertising services.
Google AdMob may collect and process certain information such as device identifiers, advertising identifiers, app interactions, crash data, diagnostics, approximate location derived from IP address, and ad performance data in accordance with Google’s own privacy policy and advertising policies.
Advertising data may be used to show, measure, and improve ads. We do not sell your manually entered loan records or payment records to advertisers.
You can learn more about how Google uses information from apps that use Google services by visiting Google’s privacy and advertising resources.
How We Use Information
Information entered by the user is used to:
Create loan records
Generate installment schedules
Calculate estimated monthly payments
Calculate estimated total repayment
Track paid and unpaid installments
Display remaining balance estimates
Show payment progress
Send local reminder notifications if enabled
Improve app usability and functionality
Advertising-related data processed by third-party ad services may be used to display and measure ads.
Data Sharing
We do not sell, rent, or trade your manually entered loan records, installment schedules, payment notes, or payment status.
We may share limited information only in the following situations:
With third-party services such as Google AdMob for advertising and app-related services
When required by law, regulation, legal process, or government request
To protect the rights, safety, and security of users, the App, or the developer
If you voluntarily contact us and provide information for support purposes
Third-Party Services
The App may use third-party services, including but not limited to Google AdMob.
These third-party services may collect information according to their own privacy policies. We encourage users to review the privacy policies of any third-party services used by the App.
Third-party services may include:
Google AdMob
Google Play Services
Google Firebase services if used for crash reporting, analytics, or app performance monitoring
If analytics or crash reporting services are added in the future, they will be used only to understand app performance, diagnose errors, and improve user experience.
Loan and Financial Disclaimer
All calculations shown in Personal Loan: Loans Tracker are estimates only. Actual loan amounts, interest rates, fees, repayment schedules, penalties, due dates, and total repayment amounts may vary depending on your official loan agreement and the policies of your bank or financial institution.
The App does not provide financial advice, legal advice, credit advice, loan recommendations, or lending services.
Users should always verify loan terms, repayment amounts, fees, interest rates, and due dates with their official loan agreement or directly with their bank or financial institution.
Data Security
We care about the security of your information. The App is designed to keep manually entered loan data on your device.
However, no method of electronic storage or device-based storage is completely secure. Users are responsible for protecting their own devices, passwords, screen locks, backups, and app data.
We recommend that you keep your device secure and avoid sharing your device with unauthorized people.
Data Retention and Deletion
Because loan records are stored locally on your device, you can delete your data by:
Deleting loan records inside the App
Clearing the App’s local data from your device settings
Uninstalling the App from your device
If you contact us by email, we may retain your message and email address only as long as necessary to respond to your request, provide support, resolve issues, or comply with legal obligations.
Children’s Privacy
Personal Loan: Loans Tracker is not intended for children under the age of 13. We do not knowingly collect personal information from children.
If you believe that a child has provided personal information to us, please contact us so we can take appropriate action.
International Users
The App may be used by users in different countries. By using the App, you understand that third-party services such as Google AdMob may process certain data in accordance with their own policies and applicable laws.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in the App, legal requirements, third-party services, or privacy practices.
Any changes will be posted by updating the “Effective Date” at the top of this Privacy Policy. You are encouraged to review this Privacy Policy periodically.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App, you may contact us at:
Developer: Arini Indarti
Email: ariniindarti@gmail.com
Final Disclaimer
KTA Personal Loan Tracker is an independent manual loan tracker and calculator. It is not affiliated with, endorsed, sponsored, or operated by BCA or any bank. The App does not provide loans, approve loans, collect loan applications, disburse funds, collect repayments, or connect users to lenders. All calculations are estimates only.