PRIVACY POLICY
Last updated: June 5, 2026
This Privacy Policy explains how MADILAS DEVELOPER (“we”, “our”, or “us”) handles information in the mobile application Pinjaman Online Tracker (“App”).
By using the App, you agree to the practices described in this Privacy Policy.
1. Developer Information
Developer name: MADILAS DEVELOPER
Contact email: madilasdewi@gmail.com
2. Purpose of the App
Pinjaman Online Tracker is a personal loan tracking application. The App helps users record, organize, and monitor personal loan information, payment schedules, due dates, payment history, and reminders.
The App does not provide loans, financial products, credit services, debt collection services, banking services, or financial advice.
3. Information You Enter in the App
The App may allow you to enter information such as:
- Loan names
- Lender names
- Loan amounts
- Installment amounts
- Payment schedules
- Due dates
- Payment history
- Notes
- Reminder preferences
- App lock settings
- Optional payment proof information or files selected by you
This information is used only to provide the App’s core tracking features.
We do not require you to create an account, and we do not directly collect or store your personal loan records on our own server.
4. Local Data Storage
Most information you enter into the App is stored locally on your device. This means the data remains on your device unless you delete it, clear the App data, uninstall the App, or your device operating system backs it up according to your device settings.
If your device has cloud backup enabled, your device provider may back up App data according to its own privacy policy and backup settings. We do not control your device backup provider.
5. Advertising and Third-Party Services
The App displays advertisements using Google AdMob.
Google AdMob may collect and process certain information automatically, such as:
- Device information
- Advertising ID
- IP address
- Approximate location
- App interaction data
- Ad views, clicks, and impressions
- Diagnostic and performance data
This information may be used by Google to serve ads, measure ad performance, prevent fraud, improve services, and comply with legal obligations.
Google may serve personalized or non-personalized ads depending on your location, consent status, device settings, and Google’s policies.
You can learn more about how Google uses information from apps that use its services here:
https://policies.google.com/technologies/partner-sites
Google Privacy Policy:
https://policies.google.com/privacy
6. Advertising ID
The App may use the Android Advertising ID through Google AdMob for advertising purposes. You can reset or delete your Advertising ID through your Android device settings, depending on your device and Android version.
7. Permissions Used by the App
The App may request the following permissions:
- Internet access: used to load advertisements.
- Network state access: used to check network availability for advertising.
- Notifications: used to send due date reminders if you allow notification permission.
You may disable notification permission at any time from your device settings.
8. How We Use Information
Information handled by the App may be used to:
- Display and manage your loan records
- Track payment history
- Calculate payment progress
- Show due date reminders
- Save App preferences
- Display advertisements
- Improve App stability and functionality
- Comply with legal and platform requirements
9. Information We Do Not Collect Directly
We do not directly collect or ask for:
- Bank account passwords
- Credit card passwords
- Online banking credentials
- SMS messages
- Contact lists
- Call logs
- Precise GPS location
- Government identity documents
You should not enter highly sensitive information into notes or optional fields unless necessary.
10. Data Sharing
We do not sell your personal loan records.
We may share limited information only in the following situations:
- With Google AdMob for advertising and ad measurement.
- With service providers required for App functionality.
- If required by law, regulation, legal process, or government request.
- To protect our rights, users, or the security of the App.
11. Data Retention
Loan records and App settings stored locally remain on your device until you delete them, clear App data, or uninstall the App.
Advertising data collected by Google AdMob is retained according to Google’s own privacy policy and retention practices.
12. Data Deletion
You can delete your locally stored data by:
- Deleting records inside the App, if available.
- Clearing the App data from your device settings.
- Uninstalling the App.
Because we do not operate a user account server for your loan records, we may not be able to delete data stored only on your personal device.
For privacy questions, you may contact us at:
madilasdewi@gmail.com
13. Security
We use reasonable efforts to protect information handled by the App. However, no method of storage or transmission is completely secure.
If the App includes a PIN lock feature, it is intended as a convenience feature to help limit casual access to the App. It is not a replacement for your device lock, encryption, or other security protections.
14. Children’s Privacy
The App is not intended for children under the age of 13, or the minimum age required by applicable law in your country.
We do not knowingly collect personal information from children. If you believe a child has provided personal information, please contact us at madilasdewi@gmail.com.
15. International Users
If you use the App outside Indonesia, your information may be processed by third-party services such as Google in countries other than your own. These countries may have different data protection laws.
16. Your Privacy Rights
Depending on your location, you may have rights to:
- Access your personal information
- Correct inaccurate information
- Delete your information
- Object to certain processing
- Restrict certain processing
- Withdraw consent where processing is based on consent
- Opt out of personalized advertising
For data stored locally in the App, you can manage or delete it directly from your device.
For advertising data, please refer to Google’s privacy controls and your Android device advertising settings.
17. Personalized Ads
The App may show personalized ads where allowed by law and platform policy. Personalized ads may be based on information such as device identifiers, app activity, approximate location, or interests inferred by advertising partners.
Where required, consent may be requested before personalized ads are shown.
18. Non-Personalized Ads
If personalized ads are not available, not allowed, or not selected, the App may show non-personalized ads. Non-personalized ads may still use limited information such as approximate location, device type, and content context to serve ads.
19. Third-Party Links and Ads
Ads displayed in the App may link to third-party websites, apps, or services. We are not responsible for the privacy practices, content, or policies of third-party services.
You should review the privacy policies of any third-party service you visit.
20. Financial Disclaimer
The App is only a personal tracking tool. It does not guarantee payment accuracy, loan accuracy, financial outcomes, or legal compliance.
You are responsible for verifying your own loan records, payment obligations, and financial decisions.
21. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted with a new “Last updated” date.
Your continued use of the App after changes are posted means you accept the updated Privacy Policy.
22. Contact Us
If you have questions about this Privacy Policy, please contact:
MADILAS DEVELOPER
Email: madilasdewi@gmail.com
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