# Privacy Policy for TunaiMu: Pinjaman Tracker
Effective Date: May 19, 2026
Last Updated: May 19, 2026
Developer: MADILAS DEVELOPER
Contact Email: madilasdewi@gmail.com
This Privacy Policy explains how **TunaiMu: Pinjaman Tracker** ("the App", "we", "our", or "us") accesses, stores, uses, discloses, and otherwise processes information when you use the App.
TunaiMu: Pinjaman Tracker is a personal finance utility designed to help users record loan notes, estimate installments, compare repayment scenarios, review simulation history, and receive optional reminder notifications. The App does **not** provide loans, issue credit, facilitate payments, or act as a lender, broker, or financial institution.
This Privacy Policy is intended to help you understand:
- what information the App handles;
- how that information is used;
- whether that information is shared with third parties;
- how long information is retained;
- how you can manage or delete your data; and
- how advertising services used by the App may process information.
## 1. Who We Are
For the first-party data practices described in this Privacy Policy, the developer and publisher responsible for the App is:
**MADILAS DEVELOPER**
Email: **madilasdewi@gmail.com**
If you have any privacy-related questions, requests, or complaints, you may contact us using the email address above.
## 2. Scope of This Privacy Policy
This Privacy Policy applies to the Android mobile application **TunaiMu: Pinjaman Tracker**, including its calculators, note-keeping tools, reminder features, settings, history features, and advertising integrations.
This Privacy Policy does **not** govern the privacy practices of third-party services, websites, platforms, SDK providers, advertisers, app stores, device manufacturers, or operating system providers except to the extent we describe their involvement in the App. Those third parties may apply their own privacy policies and terms.
## 3. Short Summary
In short:
- You do **not** need to create an account to use the App.
- We do **not** operate a first-party cloud backend to store your loan notes or saved simulations.
- Most finance-related information you enter into the App is stored locally on your device.
- The App can request notification permission if you choose to use reminder features.
- The App uses **Google AdMob / Google Mobile Ads SDK** to display banner, interstitial, and native ads.
- Google AdMob may automatically collect certain device and usage data for advertising, measurement, analytics, and fraud prevention.
- We do **not** sell your personal information.
## 4. Information We Access, Collect, or Process
### 4.1 Information you manually enter into the App
The App allows you to manually type or save financial and note-related data, which may include:
- loan titles or note titles;
- total loan amount;
- remaining loan balance;
- monthly installment amount;
- due date information;
- personal notes or remarks that you type into the App;
- simulation names;
- principal amount;
- interest rate;
- tenor or loan term;
- interest type;
- total payment estimates;
- installment breakdown tables; and
- timestamps associated with saved simulations or records.
This information is used to provide the App's core functions, such as calculations, note management, due-date tracking, repayment planning, history display, and reminder logic.
### 4.2 App preferences and settings stored locally
The App stores certain preference data locally on your device, such as:
- whether dark mode is enabled;
- whether reminder notifications are enabled; and
- whether onboarding has been completed.
These settings help the App remember your choices and provide a more consistent user experience.
### 4.3 Reminder and notification-related processing
If you choose to enable reminders, the App may request the Android **POST_NOTIFICATIONS** permission.
If that permission is granted, the App may process locally stored due-date information on your device to determine whether reminder notifications should be shown for upcoming payments. Reminder checks are performed locally using the information you saved in the App. We do not maintain a first-party remote reminder server for this feature.
### 4.4 Advertising data and SDK-related information
The App uses **Google AdMob / Google Mobile Ads SDK** to display ads. Based on Google's official disclosure for the Google Mobile Ads SDK, the SDK may automatically collect and share certain categories of data, including:
- **IP address**, which may be used to estimate general location;
- **user product interactions**, such as app launches, ad impressions, taps, and video views;
- **diagnostic information**, such as information related to SDK and app performance; and
- **device and account identifiers**, including the Android advertising ID, app set ID, and other identifiers where applicable.
Depending on your device settings, region, consent status, Google settings, and applicable law, ads shown in the App may be personalized or non-personalized. Even when ads are non-personalized, Google or its partners may still process certain data for purposes such as ad delivery, frequency capping, measurement, analytics, and fraud prevention.
### 4.5 Information you provide if you contact us
If you contact us directly by email, we may receive and process the information you choose to provide, such as:
- your name or nickname;
- your email address;
- the contents of your message;
- screenshots or attachments you voluntarily send; and
- any other information you include in your support or privacy request.
We use this information only to respond to you, handle your request, troubleshoot issues, maintain records of communications, or comply with legal obligations.
### 4.6 Information we do not intentionally collect through first-party features
Except as described in this Privacy Policy, the App does not intentionally request or collect the following through its own first-party features:
- precise GPS location;
- contacts or address book data;
- call logs;
- SMS or MMS content;
- microphone audio;
- camera photos or videos;
- photo gallery or file-library content;
- health data;
- biometric identifiers;
- government-issued identification numbers;
- banking credentials; or
- payment card numbers.
## 5. How We Use Information
We use information handled by the App for the following purposes:
- to calculate loan installments, interest, repayment scenarios, affordability, and related outputs;
- to save and display loan notes and simulation history locally on your device;
- to show upcoming due-date reminders if you enable reminder notifications;
- to remember your preferences and settings;
- to operate, secure, maintain, debug, and improve the App;
- to protect against errors, misuse, fraud, abuse, and unauthorized activity;
- to display banner, interstitial, and native ads using Google AdMob; and
- to respond to messages or requests you send to us.
We do not use your locally entered finance records to build our own remote advertising profile about you.
## 6. Legal Bases Where Applicable
Depending on where you are located and to the extent applicable privacy law requires a legal basis, we may rely on one or more of the following:
- **your consent**, such as when you enable notifications or where consent is required for certain advertising practices;
- **performance of a service requested by you**, such as storing and displaying your local finance notes and simulation results;
- **our legitimate interests**, such as operating, securing, maintaining, and improving the App; and
- **compliance with legal obligations**, where we must keep records or respond to lawful requests.
This section is provided for general transparency and is not intended as a jurisdiction-specific legal opinion.
## 7. How Information Is Shared
### 7.1 No sale of personal information
We do **not** sell your personal information or personal and sensitive user data.
### 7.2 Sharing with advertising providers and related partners
When ads are requested, loaded, displayed, clicked, or measured, certain data may be automatically collected, processed, transmitted, or shared by **Google AdMob / Google Mobile Ads SDK** and its partners under their own privacy terms. This may include data used for:
- ad delivery;
- ad personalization where permitted;
- ad measurement and reporting;
- diagnostic and analytics functions; and
- fraud and abuse prevention.
### 7.3 Sharing with platform and infrastructure providers
The App operates within the Android and Google Play ecosystem, and may necessarily interact with platform services, device services, and SDK providers in order to function correctly, display ads, manage permissions, or provide notifications.
### 7.4 Legal compliance and protection
We may disclose information if we believe disclosure is required by law, regulation, court order, legal process, or valid governmental request, or if disclosure is reasonably necessary to:
- enforce our rights;
- protect users, the public, or the App;
- investigate suspected fraud or abuse; or
- address security or technical issues.
### 7.5 Business transfer
If the App, its assets, or the developer business is involved in a merger, acquisition, restructuring, financing, due diligence review, dissolution, bankruptcy, sale of assets, or similar transaction, information covered by this Privacy Policy may be transferred as part of that process, subject to applicable law.
## 8. Advertising, AdMob, and Google Services
The App currently uses **Google AdMob / Google Mobile Ads SDK** for monetization.
The ad formats used by the App may include:
- banner ads;
- interstitial ads; and
- native ads.
According to Google's official developer documentation for the Google Mobile Ads SDK:
- the SDK automatically collects certain data categories for advertising, analytics, and fraud prevention; and
- data handled by the SDK is encrypted in transit using **TLS**.
Google may also process information provided by apps that use its services to:
- provide and maintain services;
- improve and develop services;
- measure ad effectiveness;
- protect against fraud and abuse; and
- personalize ads where allowed.
You can learn more from Google's privacy and advertising materials:
- 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
## 9. Permissions Used by the App
The App may use or request access to certain permissions and capabilities, including:
### 9.1 Notification permission
The App may request **POST_NOTIFICATIONS** so it can show local reminder notifications for upcoming due dates if you choose to enable reminders.
If you deny or revoke this permission, the App's reminder notifications may not work, but the rest of the App should generally remain usable.
### 9.2 Internet and network access
The App and integrated advertising SDKs may use network access to load ads, communicate with service providers, and support normal app operation where required by the Android platform and third-party SDKs.
### 9.3 Background processing for reminders
The App may use background work scheduling provided by Android / WorkManager to check upcoming due dates and trigger local reminders on your device.
## 10. Data Storage, Retention, and Deletion
### 10.1 Local storage of finance-related records
Loan notes, simulation history, and many core App records are designed to be stored locally on your device using on-device storage.
We do **not** provide a first-party cloud sync or account-based remote storage service for this data at this time.
### 10.2 How long local data is retained
Local data is generally retained until:
- you delete specific notes or history entries;
- you use an in-app option to clear notes and history;
- you clear the App's storage from Android settings;
- you uninstall the App;
- your device is reset; or
- local data is removed due to corruption, device failure, or a technical event beyond our control.
### 10.3 Important note about app updates and local storage
Because the App uses local database storage, there may be rare situations in which an app update, migration issue, corruption event, or reinstall results in local data being overwritten, reset, or deleted. You should not rely on the App as your only permanent archive of important financial records.
### 10.4 Preference retention
Preference data, such as dark mode, onboarding state, and reminder settings, is stored locally and is retained until you change the setting, clear App storage, or uninstall the App.
### 10.5 Advertising-related retention
Advertising-related information handled by Google AdMob, Google, or advertising partners is retained according to those third parties' own policies, technical practices, settings, and legal obligations, not according to the App's local retention rules.
### 10.6 Contact-related retention
If you contact us by email, we may retain your message and related correspondence for as long as reasonably necessary to respond, maintain support records, protect our rights, or comply with legal obligations.
## 11. Security
We use measures that are reasonable in light of the App's design and functionality to reduce privacy and security risks.
Important security facts about this App include:
- finance-related records are intended to remain on your device rather than being uploaded to our own remote server;
- the App does not operate a first-party user account database for your notes and simulations;
- Android backup by the App is disabled in the current App configuration; and
- Google states that data transmitted by the Google Mobile Ads SDK is encrypted in transit using TLS.
However, no software, storage system, internet transmission, or mobile device security measure can be guaranteed to be 100% secure. If someone gains unauthorized access to your device, your unlocked screen, your local backup, or your email account, some information may be exposed outside our control.
## 12. International Data Transfers
Your finance notes and simulation history are intended to remain stored locally on your device.
However, because the App uses Google AdMob and related Google services, some advertising-related information may be processed on servers located in countries other than your own, depending on Google's infrastructure and service operations.
If you contact us by email, your message may also be transmitted and stored through email providers or service infrastructure that operate internationally.
## 13. Your Rights and Choices
Depending on your jurisdiction, you may have privacy rights such as the right to access, correct, delete, object to, restrict, or request portability of certain personal data, and the right to withdraw consent where consent is the basis of processing.
Because the App generally stores your finance records locally on your own device rather than on our own server, many practical privacy controls can be exercised directly by you, including:
- editing or deleting saved notes;
- deleting saved simulation history;
- clearing all App data in Android settings;
- uninstalling the App;
- enabling or disabling reminder features;
- granting or revoking notification permission;
- resetting or deleting your Android advertising ID through Android settings where available; and
- adjusting ad personalization or Google ad settings where supported.
If you contact us with a privacy request, we will review it in light of applicable law and the technical reality of the App's local-only design. In some cases, we may not be able to retrieve or alter data that we do not store on our own systems.
You may also have the right to lodge a complaint with a regulator or data protection authority in your country or region, where applicable.
## 14. Account Creation and Account Deletion
The App does **not** require you to create a user account with us.
Because there is no first-party user account system, there is no separate account-deletion workflow. To remove most App data, you can:
- delete items within the App;
- clear the App's storage from Android settings; or
- uninstall the App.
## 15. Children's Privacy
The App is not directed to children under 13, or under the minimum age required in the relevant jurisdiction, and it is not designed as a child-directed service.
Because the App relates to personal finance and may display third-party advertising, it should only be used by individuals who are legally allowed to use such services under applicable law.
If you believe a child has provided personal information to us in a way that should be removed under applicable law, please contact us.
## 16. Third-Party Services and Links
The App may integrate with or rely on third-party services, including:
- Google AdMob / Google Mobile Ads SDK;
- Google Play services;
- Android platform services; and
- email or link-handling services if you choose to contact us or open external links.
These third parties may independently collect, use, store, or share information under their own policies. We encourage you to review their privacy notices carefully.
## 17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- changes to the App's features or data practices;
- changes to advertising, SDK, or platform integrations;
- legal or regulatory requirements; or
- security, operational, or business developments.
When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy. Material changes may also be reflected through the App, the app listing, or another appropriate notice where reasonably required.
## 18. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App's privacy practices, please contact:
**MADILAS DEVELOPER**
Email: **madilasdewi@gmail.com**
## 19. Important Note
This Privacy Policy is provided for transparency and compliance purposes. It is not legal advice. Privacy and consumer protection laws vary by country and may impose additional requirements depending on where the App is offered and how it is used. If you need legal assurance for publication or regulatory review, you should consider consulting a qualified legal professional.
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