Privacy Policy for Subsidized Loans Tracker
Privacy Policy
Effective Date: June 14, 2026
App Name: Subsidized Loans Tracker
Developer: Arini Indarti
Contact Email: ariniindarti@gmail.com
This Privacy Policy explains how Subsidized Loans Tracker (“we”, “our”, or “the App”) handles information when you use our mobile application.
By using the App, 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.
1. About This App
Subsidized Loans Tracker is a financial utility app designed to help users estimate loan installments, view estimated payment schedules, manually track loan records, record payment history, monitor remaining balance, manage document checklists, and set due date reminders.
The App may be used for subsidized loan records, business loan records, installment loan records, program loan records, and other personal loan tracking needs.
The App is provided for calculation, organization, education, and personal record-keeping purposes only.
2. Important Financial Disclaimer
Subsidized Loans Tracker is not a government app, bank app, lender, loan provider, credit provider, or financial institution.
The App does not:
Provide loans
Offer loans
Process loan applications
Submit loan applications
Approve or reject credit
Perform credit scoring
Collect loan payments
Connect users with lenders
Guarantee loan approval
Guarantee any interest rate, fee, tenor, subsidy, or repayment term
Provide banking, investment, insurance, or payment transaction services
All calculations, installment tables, payment schedules, readiness checklists, and loan records are estimates based on information entered by the user. Final loan terms, approval, interest rate, fees, due dates, payment schedules, and official requirements are determined by the relevant bank, financial institution, lender, or program provider.
The App does not provide financial, legal, tax, banking, or investment advice.
3. Information We Collect
We aim to collect as little information as possible. The App does not require account registration and does not require users to log in.
The App may process information that users voluntarily enter or generate inside the App.
3.1 Loan and Installment Information
Users may manually enter information such as:
Loan name
Lender name
Loan category
Loan amount
Interest rate
Loan tenor
Calculation method
Start date
Due date
Estimated monthly installment
Remaining balance
Payment status
Payment history
Payment date
Payment method
Notes related to loan tracking
This information is used to provide calculation, installment table, payment tracking, reminder, and local record-keeping features.
3.2 Document Checklist Information
Users may manually manage checklist items such as:
Identity document status
Address document status
Income record status
Business document status
Bank statement status
Supporting document status
Other custom document checklist items
The App is designed to store checklist status only, such as “Not available”, “In progress”, “Available”, or “Submitted”.
The App does not require users to upload photos of sensitive documents.
3.3 Manual Status Tracker Information
Users may manually record preparation or application-related notes for personal reference, such as:
Lender name
Loan category
Requested amount
Start date
Current manual status
Contact person note
General notes
This feature is only a personal manual note-taking tool. The App does not submit this information to any lender, bank, government institution, or financial institution.
3.4 Reminder and Notification Information
If users enable reminders, the App may store due dates, reminder preferences, and notification settings locally on the device.
The App may request notification permission only to send local reminders related to payment due dates or user-created loan records.
3.5 Language, Currency, and App Settings
The App may store user preferences such as:
Selected language
Selected currency
Onboarding status
Reminder preferences
Local app settings
These settings are used to personalize the App experience.
3.6 Advertising and Device Information
The App may use Google AdMob to display advertisements, including banner ads, native ads, and interstitial ads.
Google AdMob and related Google services may automatically collect certain information from your device to provide, measure, personalize, limit, secure, and improve advertising services. This may include information such as:
Advertising ID
Device information
App interaction information
Approximate location inferred from device or network information
IP address
Diagnostic information
Crash or performance information
Ad interaction data
The collection and processing of this information are governed by Google’s own privacy policies and advertising policies.
4. Information We Do Not Intentionally Collect
The App does not intentionally collect or request:
Government-issued ID photos
Passport photos
National ID photos
Tax ID photos
Bank card photos
Bank account login credentials
Mobile banking passwords
ATM PINs
Credit card numbers
Debit card numbers
Biometric data
SMS messages
Phone call logs
Contact lists
Precise GPS location
Microphone recordings
Camera images
Sensitive document images
Loan application documents for submission to lenders
The App does not ask users to enter banking passwords, PINs, or credentials.
5. How We Use Information
Information entered or generated in the App is used for the following purposes:
To calculate estimated loan installments
To generate estimated payment schedules
To track active loan records manually
To record payment history
To monitor remaining balance
To show payment status
To manage document checklists
To manage manual progress or application-related notes
To provide due date reminders
To display selected language and currency settings
To provide educational loan content
To improve app usability and functionality
To display advertisements through Google AdMob
We do not use user-entered loan data to approve loans, reject loans, perform official credit scoring, submit loan applications, or make lending decisions.
6. Local Data Storage
Most user-entered data in the App is stored locally on the user’s device.
This may include:
Saved loan records
Payment records
Installment schedules
Document checklist status
Manual status tracker notes
Reminder preferences
Language and currency settings
App preferences
Because this data is stored locally, uninstalling the App, clearing app storage, or resetting app data may permanently delete the saved information.
We do not operate a cloud account system for this App unless clearly stated in a future update.
7. Data Sharing
We do not sell user personal data.
We do not share manually entered loan records, payment history, document checklist status, or manual status notes with banks, government institutions, lenders, or financial institutions.
However, third-party services used by the App, such as Google AdMob, may collect and process certain information directly from the device according to their own privacy policies and service terms.
We may disclose information if required by law, regulation, legal process, or government request, or if necessary to protect the rights, safety, and security of users, the App, or others.
8. Third-Party Services
The App may use third-party services that may collect information according to their own privacy policies.
These services may include:
Google AdMob
The App uses Google AdMob to display advertisements. AdMob may collect and process certain device and usage information to provide ads, measure ad performance, prevent fraud and abuse, improve advertising services, and comply with legal obligations.
Depending on your location, device settings, consent choices, and Google settings, ads may be personalized or non-personalized.
Google Play Services
The App may use Google Play Services for Android platform functionality, app compatibility, security, and other device-related services.
Google Play Store
If you install the App from Google Play, Google may process information related to app installation, updates, device compatibility, Play Store usage, and related services according to Google’s privacy practices.
9. Advertising
Subsidized Loans Tracker is supported by advertisements.
The App may show:
Banner ads
Native ads
Interstitial ads
Advertisements are provided by Google AdMob or other advertising services if added in the future.
Advertising providers may use device identifiers, advertising identifiers, cookies or similar technologies, app interaction data, diagnostic data, and other technical information to show ads, measure ad performance, limit ad frequency, detect fraud, and comply with legal obligations.
Users may be able to manage ad personalization through device settings or Google ad settings.
10. Consent for Ads
In some regions, users may be asked to provide consent for personalized ads or related data processing.
Where required by applicable law or platform policy, the App or its advertising partners may display a consent message or provide privacy choices.
Users may be able to change their consent choices through the App, device settings, Google settings, or applicable privacy controls if available.
11. App Permissions
The App only requests permissions needed for its features.
The App may request:
Internet access, for ads and third-party advertising services
Notification permission, for local due date reminders
The App does not require the following permissions for its core features:
Camera permission
Contacts permission
SMS permission
Call log permission
Microphone permission
Precise location permission
Storage permission for document uploads
If future versions introduce new permissions, this Privacy Policy will be updated accordingly.
12. Data Retention
Data stored locally in the App remains on the user’s device until:
The user deletes the data inside the App
The user resets local app data
The user clears the App’s storage through device settings
The user uninstalls the App
Advertising and diagnostic data collected by third-party services are retained according to the privacy policies and retention practices of those services.
13. Data Deletion
Because user-entered loan tracking data is primarily stored locally on the user’s device, users can delete their data by:
Deleting loan records inside the App
Deleting payment records inside the App
Deleting document checklist items or notes
Resetting local app data, if available
Clearing the App’s storage through Android settings
Uninstalling the App
If you contact us about privacy questions, you may email:
Please note that we may not be able to delete data stored only on your personal device because we do not have access to your device storage.
14. Data Security
We take reasonable measures to help protect information processed by the App.
However, no method of electronic storage or transmission is completely secure. Since most user-entered data is stored locally on the device, users are responsible for keeping their device secure.
We recommend that users:
Use a device screen lock
Keep the operating system updated
Avoid sharing the device with untrusted persons
Do not enter banking passwords, PINs, or sensitive credentials into the App
Review saved loan information regularly
The App will never ask for mobile banking passwords, ATM PINs, or bank login credentials.
15. Children’s Privacy
The App is not specifically directed to children.
We do not knowingly collect personal information from children. If you believe that a child has provided personal information through the App, please contact us at:
We will take reasonable steps to address the issue.
16. International Users
The App may be used in different countries and regions. If you use the App outside your country of residence, you understand that information may be processed according to this Privacy Policy and the privacy practices of third-party services such as Google AdMob and Google Play.
For users in regions with specific privacy laws, such as the European Economic Area, the United Kingdom, Switzerland, or certain U.S. states, additional privacy rights or advertising consent choices may be available through Google, device settings, or applicable privacy controls.
17. Your Choices and Controls
Users may control their information in the following ways:
Choose not to enter optional information
Edit or delete saved loan records
Edit or delete payment records
Edit or delete document checklist items
Disable notifications
Change language or currency settings
Clear app data through Android settings
Uninstall the App
Manage ad personalization through Google or device settings
Contact us for privacy-related questions
18. Accuracy of Financial Information
The App provides estimates only.
Loan installment results may differ from official loan terms due to factors such as:
Different lender policies
Different interest calculation methods
Administrative fees
Insurance fees
Service fees
Rounding methods
Grace periods
Late payment penalties
Subsidy rules
Program-specific terms
Restructuring
Changes in laws, regulations, or lender policies
Users should always confirm final loan terms directly with the relevant lender, bank, financial institution, or program provider.
19. No Financial Advice
The App does not provide financial, legal, tax, banking, investment, or lending advice.
All information in the App is for general informational, calculation, and personal record-keeping purposes only.
Users should consult a qualified professional, lender, bank, financial institution, or official program provider before making financial decisions.
20. Links to Third-Party Websites or Services
The App may contain links or references to third-party websites or services, such as Google services or other external resources.
We are not responsible for the privacy practices, content, accuracy, or policies of third-party websites or services. Users should review the privacy policies of those services before using them.
21. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
If changes are made, we will update the “Effective Date” at the top of this Privacy Policy. Continued use of the App after changes are posted means you accept the updated Privacy Policy.
Users are encouraged to review this Privacy Policy periodically.
22. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App’s privacy practices, you may contact us at:
Developer: Arini Indarti
Email: ariniindarti@gmail.com
23. Final Disclaimer
Subsidized Loans Tracker is not affiliated with, endorsed by, sponsored by, or officially connected to any government institution, bank, lender, financial institution, or official loan program provider.
The App does not provide loans, does not process loan applications, does not approve credit, does not collect loan payments, and does not connect users with lenders.
All calculations, installment tables, checklist results, and tracking features are provided for estimation and personal record-keeping purposes only.