Your privacy is important to us. This policy explains how A-Polo CrediCalc collects, uses, and safeguards your information.
Last Updated: February 17, 2026
Welcome to A-Polo CrediCalc ("App", "we", "us", or "our"). We are committed to protecting and respecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our mobile application A-Polo CrediCalc, available on the Google Play Store, and our associated website (collectively, the "Service").
By downloading, installing, accessing, or using our App, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service. We encourage you to read this document in its entirety so that you understand our data practices fully.
This Privacy Policy applies to all users of the App, including visitors, registered users, and any other individuals who access or use our Service. It covers information collected through the App itself, our website, and any communications between you and us (such as emails or support requests).
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We encourage you to review this page periodically for the latest information on our privacy practices.
We collect different types of information to provide and improve our Service to you. The information we collect depends on how you interact with the App. Below is a detailed breakdown of the categories of information we may collect:
When you contact us via email or through our support channels, you may voluntarily provide personal information such as your name, email address, phone number, or other contact details. We only collect personal information that you choose to provide to us. The App itself does not require you to create an account or provide any personal information to use its core EMI calculation features.
If you choose to provide feedback, submit a bug report, or reach out to our support team, the personal details you share (such as your name and email address) will be collected solely for the purpose of responding to your inquiry and improving the Service.
When you use our App, we may automatically collect certain information about your device, including but not limited to your device model, operating system version, unique device identifiers (such as Android Advertising ID), language preferences, screen resolution, and device manufacturer. This information helps us optimize the App's performance across different devices and ensure compatibility.
We may also collect information about your mobile network, including your carrier name and connection type (Wi-Fi, 4G, 5G, etc.). This data is used strictly for performance monitoring and diagnostic purposes to ensure the App functions smoothly under various network conditions.
We collect information about how you interact with the App, such as the features you use, the frequency and duration of your usage sessions, the calculators you access, buttons or links you click, and the time and date of your visits. This usage data helps us understand which features are most valuable to our users and how we can improve the overall user experience.
Usage data is collected in an aggregated and anonymized form wherever possible. We do not associate your usage patterns with any personally identifiable information unless you have explicitly provided such information to us through separate channels (e.g., contacting support).
Like most digital services, our servers automatically collect log data when you use the App. This may include your IP address, app version, the pages or screens you visit, the time and date of your request, the time spent on those pages, crash reports, and other diagnostic data. Log data is primarily used for troubleshooting, analyzing trends, administering the Service, and gathering broad demographic information for aggregate use.
The amounts, interest rates, tenure periods, and other financial parameters you input into the calculator are processed entirely on your device. We do not collect, transmit, store, or have access to any of your financial calculation inputs or results. All calculations are performed locally on your device, ensuring your financial data remains completely private.
We use the information we collect for a variety of purposes, all aimed at providing, maintaining, and improving the Service. Below are the specific ways in which we use your information:
We will not use your personal information for purposes other than those described in this Privacy Policy without your consent. If we intend to use your information for any new purpose, we will update this Privacy Policy and, where required by law, seek your consent before doing so.
We value your privacy and do not sell, rent, or trade your personal information to third parties for their marketing purposes. However, we may share your information in the following limited circumstances:
Service Providers: We may share your information with trusted third-party service providers who assist us in operating the App, conducting our business, or servicing you. These providers include hosting services, analytics platforms, advertising networks, and customer support tools. These third parties are contractually obligated to use your information only as necessary to provide their services to us and are required to maintain the confidentiality of your information.
Legal Requirements: We may disclose your information if required to do so by law, regulation, legal process, or governmental request. This includes responding to court orders, subpoenas, or other legal processes, or to establish or exercise our legal rights or defend against legal claims.
Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via a prominent notice on our App or website of any change in ownership or uses of your information, as well as any choices you may have regarding your information.
Protection of Rights: We may disclose your information when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
With Your Consent: We may share your information with third parties when you have given us your explicit consent to do so.
We retain your personal information only for as long as is necessary to fulfill the purposes for which it was collected, including to satisfy any legal, accounting, or reporting requirements. The retention period may vary depending on the type of information and the purpose for which it was collected.
For personal information provided through support or contact channels, we retain such data for a reasonable period after your inquiry has been resolved, typically no longer than 24 months, unless a longer retention period is required by law or for legitimate business purposes.
Aggregated and anonymized usage data, which cannot be used to identify you, may be retained indefinitely for analytical and statistical purposes. This data helps us understand long-term trends and improve the Service over time.
When your personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention policies and applicable laws. If deletion is not immediately possible (for example, because the data has been stored in backup archives), we will securely store your information and isolate it from any further processing until deletion is possible.
We take the security of your information seriously and implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, secure server infrastructure, access controls, and regular security audits.
Our App processes all financial calculations locally on your device, which means your sensitive financial inputs (amounts, interest rates, etc.) never leave your device and are never transmitted to our servers. This design choice ensures the highest level of privacy for your financial data.
While we strive to use commercially acceptable means to protect your personal information, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your information. In the unlikely event of a data breach that affects your personal information, we will notify you and the relevant authorities as required by applicable laws.
We encourage you to take steps to protect your own information as well, such as keeping your device software up to date, using strong passwords, and being cautious about the information you share online.
Our Service is not directed to individuals under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from children under 13. The App is designed for adults and young adults who are making or planning financial decisions related to EMIs.
If you are a parent or guardian and you become aware that your child has provided us with personal information without your consent, please contact us immediately at support@apololoan.com. If we become aware that we have collected personal information from a child under the age of 13 without verification of parental consent, we will take immediate steps to delete that information from our servers.
We encourage parents and guardians to monitor their children's online activities and to help enforce this Privacy Policy by instructing their children never to provide personal information through the App or our website without their permission.
Depending on your jurisdiction, you may have certain rights regarding your personal information. We are committed to honoring your rights and providing you with control over your data. Below are the rights you may exercise:
To exercise any of these rights, please contact us at support@apololoan.com. We will respond to your request within 30 days. We may ask you to verify your identity before processing your request to ensure the security of your information.
Opt-Out of Personalized Ads: You can opt out of personalized advertising by adjusting the settings on your Android device. Navigate to Settings > Privacy > Ads and enable "Opt out of Ads Personalization." You may also use the opt-out tools provided by our advertising partners.
A-Polo CrediCalc is primarily operated from India. If you are accessing the App from a location outside India, please be aware that your information may be transferred to, stored, and processed in India or other countries where our service providers maintain facilities.
Data protection laws in these countries may differ from those of your country of residence. By using our App, you consent to the transfer of your information to India and other countries as described in this Privacy Policy. We take appropriate steps to ensure that your information receives an adequate level of protection in the jurisdictions in which we process it.
Where required by applicable law, we implement appropriate safeguards for cross-border data transfers, such as standard contractual clauses, data processing agreements, or other legally recognized transfer mechanisms. These safeguards are designed to ensure that your personal data is protected to the same standard regardless of where it is processed.
Our App may contain links to or integrate with third-party websites, services, or applications that are not operated by us. This Privacy Policy does not apply to such third-party services. We strongly advise you to review the privacy policies of any third-party service before providing them with your personal information.
We may use the following categories of third-party services within the App:
We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party services. We encourage you to be aware when you leave our App and to read the privacy statements of each service that may collect your personal information.
We reserve the right to update or modify this Privacy Policy at any time. When we make changes, we will revise the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
For significant changes that materially affect how we use or share your personal information, we will make reasonable efforts to notify you in advance. This may include posting a prominent notice within the App, sending you an email notification (if you have provided your email address), or displaying an in-app alert when you next open the App.
Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of such changes. If you do not agree with the updated Privacy Policy, you should discontinue use of the App and uninstall it from your device.
In accordance with the Information Technology Act, 2000 and the rules made thereunder, the name and contact details of the Grievance Officer are provided below. If you have any complaints, concerns, or grievances regarding the processing of your personal information or any aspect of this Privacy Policy, you may contact our Grievance Officer:
Grievance Officer
A-Polo CrediCalc
Email: support@apololoan.com
The Grievance Officer shall address your complaints and grievances expeditiously and within one month from the date of receipt of the grievance. We take all complaints seriously and are committed to resolving them in a fair, timely, and transparent manner.
If you are not satisfied with the resolution provided by our Grievance Officer, you may escalate your complaint to the appropriate data protection authority or regulatory body in your jurisdiction.
If you have any questions, concerns, or suggestions about this Privacy Policy, or if you wish to exercise any of your rights described herein, please do not hesitate to contact us:
A-Polo CrediCalc
Email: support@apololoan.com
We aim to respond to all privacy-related inquiries within 30 business days. When contacting us, please provide sufficient detail about your request so we can identify and address your concern efficiently. For data access or deletion requests, we may need to verify your identity before processing your request.
We welcome your feedback and are committed to continually improving our privacy practices. Your trust is important to us, and we take every inquiry seriously.