CloudEx Inc. ("we", "us", or "our") operates the "Loan Calculator Pro" app (the "Service"). This Privacy Policy explains what information we collect, how we use it, and the choices available to you. By using the Service, you are deemed to have agreed to the practices described in this Policy.
1. Our Core Principle
Loan Calculator Pro calculates loan repayments (monthly payment, total cost, interest, and repayment schedule) and how savings grow with compound interest. All calculations run entirely on your device. The amounts, rates, and terms you enter, and the calculations you save, are yours: they are stored on your device, and we never view, collect, upload, or transmit them to our servers. There is no account and no sign-up. Specifically, we do not have access to any of the following:
- The loan amounts, interest rates, terms, income, savings, or any other numbers you enter
- The calculations you save, your calculation history, or the names you give them
- Your bank, lender, or any account information
Loan Calculator Pro only calculates. It does not take loan applications, does not refer you to lenders or other financial companies, and does not share what you enter with them.
2. Information We Collect
2.1 Information Collected Automatically
- Anonymous crash reports: Via Firebase Crashlytics. When the app crashes, we collect the stack trace, device model, OS version, and app version. This does not include personally identifiable information or any numbers you enter.
- Purchase information: We use purchase tokens issued by Google Play to verify your one-time "Premium" purchase. We never receive any payment information such as credit card numbers.
- List of our other apps: To show our other apps, the app downloads their names, descriptions, and icons from our content server (static files hosted on Cloudflare Pages). The request contains no personal data from the app. As with any request to a web server, the server receives your device's IP address as part of the connection. Tapping an app in the list opens its page on Google Play.
Loan Calculator Pro does not use analytics or advertising SDKs and does not use your device's advertising ID.
2.2 Information Stored Only on Your Device
- Saved calculations and history: The calculations you save with a name, and your recent calculations, are stored in the app's storage on your device.
- App settings: Your currency, rounding, bonus months, the last conditions you entered, the color theme, and similar settings are stored on your device.
- Automatic backup inside the app: Once a day, the app keeps a copy of your saved calculations in the app's own storage on your device (up to 7 copies), so that you can restore them if you delete something by mistake. These copies never leave your device.
- Android backup: If backup is turned on in your device settings, Android may include your saved calculations and settings in the backup it saves to your own Google account, and may copy them to a new phone when you transfer your data. This is handled by Android; we have no access to it.
- Files you export: Backup files (JSON), repayment and savings tables (CSV or PDF), and results you share as text or an image are created only when you choose to, and go only to the place or app you pick.
- When you uninstall: Uninstalling the app or clearing its data deletes the saved calculations, history, automatic backups, and settings stored on your device. Files you exported remain where you saved them.
2.3 Information We Explicitly Do Not Collect
- The numbers you enter, your saved calculations, or your calculation history
- Your name, email address, phone number, or contacts (the app has no account or sign-up)
- Your location, photos, files, or the contents of other apps
- Your device's advertising ID
2.4 Permissions the App Requests and Their Purposes
- Internet (INTERNET) and network state (ACCESS_NETWORK_STATE) — Used only for anonymous crash reports, Google Play purchase verification, in-app reviews and in-app updates, downloading the list of our other apps, and showing this privacy policy in the app. All calculations work without an internet connection.
- Google Play Billing (com.android.vending.BILLING) — Lets you buy Premium through Google Play.
The app does not request access to your location, camera, microphone, contacts, photos, or files.
3. How We Use Information
The limited information we collect is used only for the following purposes:
- Operating and maintaining the Service
- Verifying your Premium purchase
- Diagnosing and fixing crashes
- Responding to support inquiries
- Complying with applicable laws
4. Third-Party Services
Loan Calculator Pro uses the following third-party services. Each service has its own privacy policy.
- Firebase Crashlytics (Google LLC) — anonymous crash diagnostic data
- Google Play Billing (Google LLC) — the one-time Premium purchase; payment is completed on Google Play, and we receive only a purchase token
- Google Play In-App Review and In-App Updates (Google LLC) — let you rate the app and install updates without leaving it; handled by Google Play
- Cloudflare Pages (Cloudflare, Inc.) — hosts the static list of our other apps
We do not sell your data and do not share it with advertising networks.
5. About the Results
The results shown by Loan Calculator Pro are estimates. Actual repayments may differ from your lender's figures because of how each lender handles daily interest, rounding, and fees, and actual investment returns depend on the markets. Please check important decisions with your lender or a qualified professional.
6. Data Retention
- Crash reports: retained for 90 days, then deleted.
- Your saved calculations, history, automatic backups, and settings on your device: kept until you delete them, uninstall the app, or clear the app's data. The history keeps your 30 most recent calculations, and the automatic backup keeps the 7 most recent copies; older ones are deleted automatically.
7. International Data Transfers
We are based in Japan. The infrastructure used for crash diagnostics and for hosting the list of our other apps may be located in various countries. When you use the Service, the minimal information described above may be processed outside your country of residence under standard contractual safeguards.
8. Your Rights
Depending on where you reside (e.g., the EEA, UK, California, Japan), you may have the right to request access to, correction of, or deletion of the limited information we hold. You can:
- Delete saved calculations and clear your history in the app at any time
- Uninstall the app or clear its data to erase everything stored on your device
- Contact us at the address below to make a request regarding the information we hold
9. Children's Privacy
Loan Calculator Pro is not directed to children under the age of 13 (or the minimum age applicable in your region). If we inadvertently collect information from such a child, we will delete it promptly upon being contacted.
10. Changes to This Policy
This Privacy Policy may be updated from time to time. The latest version is always published at this URL together with its effective date. We will also notify you within the app of significant changes as appropriate.
11. Contact
For questions about privacy, data requests, or to report concerns, please email us at .
CloudEx Inc. (Japan)
Effective Date: October 5, 2026