CredPlan EMI Privacy Policy

1. Overview

CredPlan EMI is a utility app designed to help users calculate EMIs, create repayment schedules, and organize loan planning information. We value your privacy and are committed to handling your data only for purposes that are necessary to provide app features, protect account security, and improve the user experience.

CredPlan EMI does not directly provide loans, and we do not sell your personal information to any third party.

2. Information We May Collect

2.1 EMI and Repayment Planning Data

When you use EMI calculation, repayment schedule, loan planning, or scenario comparison features, you may enter information such as loan amount, interest rate, loan tenure, repayment frequency, or similar planning details.

This information is used only to:

• Calculate EMI amounts;
• Generate repayment schedules;
• Display repayment results under different loan conditions;
• Help you manage personal loan or auto loan planning records.

2.2 Account Profile Information

If you choose to create or complete your profile, we may collect the basic profile information you provide. If you choose to upload a profile photo, CredPlan EMI may request access to your camera or photo library only for the purpose of uploading the image you select.

We do not access the camera in the background, and we do not capture, record, or upload any content without your action.

2.3 Approximate Location

With your permission, CredPlan EMI may collect approximate location information to determine whether the service is available in your region, including availability for users in India.

We do not perform continuous location tracking, and we do not monitor your real-time location.

2.4 Device and App Information

To improve app stability, security, and compatibility, we may collect basic device and app information, such as device model, iOS version, app version, language settings, crash logs, and error status information.

This information is used only to:

• Improve app performance;
• Diagnose bugs and crashes;
• Maintain account and service security;
• Detect abnormal access or misuse.

3. How We Use Information

The information we collect may be used for the following purposes:

1. To provide EMI calculation, repayment schedule, and loan planning features;
2. To save and display repayment plans created within the app;
3. To support account profile management;
4. To determine service availability in India;
5. To improve app performance, reliability, and usability;
6. To protect account security and prevent abnormal access, fraud, or misuse;
7. To comply with applicable legal and regulatory requirements.

4. Data Sharing

CredPlan EMI does not sell your personal information.

We do not share your personal data with third parties except in the following circumstances:

1. When we have your explicit consent;
2. When required by applicable laws, regulations, legal processes, or regulatory requests;
3. When necessary to protect the rights, safety, or lawful interests of users, the platform, or the public;
4. When basic technical service providers are required to support app operation, provided that they process data only as necessary and follow appropriate data protection obligations.

5. Data Storage and Security

Your data is transmitted and stored using encryption and is maintained in server environments managed or used by credplanemi.com.

We apply reasonable technical and organizational measures to protect data against unauthorized access, disclosure, alteration, loss, or misuse. However, no method of internet transmission or electronic storage can be guaranteed to be completely secure.

6. Data Retention

We retain your data only for as long as necessary to fulfill the purposes described in this policy, provide the app services, or comply with legal obligations.

After you delete your account, data associated with your account will be deleted or anonymized from our systems, unless specific information must be retained to meet legal or regulatory requirements.

7. Your Rights

Subject to applicable law, you may have the right to:

1. Access your personal information;
2. Correct inaccurate or incomplete information;
3. Delete your account and related data;
4. Withdraw certain permissions previously granted;
5. Contact us regarding how your data is handled.

To delete your account, please go to the following path in the app:

Once account deletion is completed, data linked to your account will be deleted or handled as required by applicable law.

8. Children’s Privacy

CredPlan EMI is not intended for children. We do not knowingly collect personal information from children. If we become aware that children’s information has been collected unintentionally, we will delete the relevant data as soon as possible.

9. Policy Updates

We may update this Privacy Policy due to feature changes, legal requirements, security improvements, or service adjustments. Updated content will be made available within the app and will take effect from the published or stated effective date.

We encourage you to review this policy periodically to understand how we protect your information.

10. Contact Us

If you have any questions about this Privacy Policy, data handling, or account deletion, please contact us at: