ClearEMI
This Privacy Policy is designed for the mobile application ClearEMI, owned and operated by Arjun Yadav.
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Privacy Policy
Effective Date: October 26, 2023 (or the date of your app launch)
At ClearEMI, we value your privacy and are committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.
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1. Information Collection and Use
For a better experience while using our Service, we may require you to provide us with certain personally identifiable information.
A. Personal Data
While using ClearEMI, we may ask you to provide:
Account Information: Name, email address, and profile picture (if you sign up or use social features).
Financial Information: Information regarding your loans, including principal amounts, EMI values, interest rates, and repayment schedules that you manually input into the app to use the "Unified Loan Dashboard."
B. Usage Data and Log Information
When you use ClearEMI, we automatically collect information that your browser or device sends:
Device IP address, device name, and operating system version.
The configuration of the app when utilizing our service.
The time and date of your use of the service and other statistics.
C. Social and Community Data
ClearEMI includes social features ("Community" and "Discussion"). If you interact with these sections:
We collect the content of your posts, comments, likes, and reactions.
This information may be visible to other users within the ClearEMI community.
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2. Third-Party Services
The app does use third-party services that may collect information used to identify you. ClearEMI integrates with the following providers:
Google Play Services: For app functionality and distribution.
Firebase Analytics / Google Analytics for Firebase: To understand user behavior and improve app performance.
YouTube: Our "Insights" section embeds YouTube videos. Interacting with these videos is subject to YouTube’s Privacy Policy.
Cloud Storage Providers: To sync your loan data across devices if you are logged in.
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3. Permissions
To provide its core features, ClearEMI may request the following permissions:
Internet Access: Required to fetch financial insights, community posts, and sync data.
Storage Access: Required if you choose to export your loan reports or upload a profile picture.
Notifications: To send reminders about upcoming EMIs or community interactions.
Note: Based on current features, ClearEMI does not access your Location, Camera, or Health data unless specifically prompted for a user-initiated action (e.g., taking a profile picture).
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4. How We Use Your Information
We use the collected information for various purposes:
To provide and maintain the Service: Managing your loan dashboard and EMI tracking.
To improve user experience: Analyzing usage patterns to enhance features.
To facilitate social interaction: Allowing you to post in discussions and interact with financial experts.
To communicate with you: Sending updates, security alerts, and support messages.
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5. Data Security
We value your trust in providing us with your personal and financial information. We strive to use commercially acceptable means of protecting it. However, remember that no method of transmission over the internet, or method of electronic storage, is 100% secure and reliable, and we cannot guarantee its absolute security.
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6. Children’s Privacy
These Services do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers.
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7. 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. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately after they are posted.
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8. Data Deletion Rights
Users have the right to request the deletion of their data. If you wish to delete your ClearEMI account and all associated loan data, you may do so within the Settings menu of the app or by contacting us at the email address provided below.
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9. Contact Us
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us:
Owner/Developer: Arjun Yadav
Email: arjunyadav.ps@gmail.com
App Name: ClearEMI
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