App Name: Kredix EMI Calculator
Developer: DevWithBabu
Country: Dhaka, Bangladesh
Last Updated: March 19, 2026

Introduction

Welcome to  Kredix EMI Calculator (“we”, “our”, or “us”).

Your privacy is important to us. This Privacy Policy describes our policies and procedures regarding the handling of information when you use the Kredix EMI Calculator mobile application (the “Service”) and explains your privacy rights.

Kredix EMI Calculator is designed to perform loan EMI and financial calculations directly on your device. We prioritize user privacy and intentionally design the application to collect minimal or no personal data.

By using the application, you agree to the practices described in this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with capitalized initial letters have meanings defined under the following conditions. These definitions apply regardless of whether they appear in singular or plural.

Definitions

Application
Refers to Kredix EMI Calculator, the mobile application developed by DevWithBabu.

Company / Developer
Refers to DevWithBabu, located in Dhaka, Bangladesh.

Device
Means any device that can access the Service such as a mobile phone or tablet.

Personal Data
Means any information that relates to an identified or identifiable individual.

Service
Refers to the Kredix EMI Calculator mobile application.

Usage Data
Refers to data collected automatically through platform services (such as Google Play Console) to improve app stability and performance.

You
Means the individual using the Service.

Information We Collect

No Personal Data Collection

Kredix EMI Calculator does not collect, store, or request personal information, including but not limited to:

• Name
• Email address
• Phone number
• Physical address
• Contacts
• Photos or files
• Payment information
• Location data

The application is designed to operate without requiring personal user information.

Calculation Data

All calculations performed within the application are processed locally on your device.

The application does not:

• Store your calculations on external servers
• Transmit calculation inputs to external services
• Monitor or track user inputs
• Maintain calculation history on remote systems

Your financial calculations remain entirely on your device.

Usage Data and Platform Diagnostics

While the application itself does not collect analytics data, Google Play may provide aggregated diagnostic information through its platform services.

These reports may include:

• Number of app installs and uninstall events
• Crash reports
• Device model and Android version distribution
• App performance statistics

This information:

• Is collected by Google Play Console
• Is aggregated and anonymized
• Does not identify individual users
• Is used solely to improve app stability and performance

The application itself does not implement third-party tracking SDKs such as:

• Firebase Analytics
• Google AdMob
• External analytics tools
• Behavioral tracking services

App Permissions

Kredix EMI Calculator requires minimal permissions for proper functionality.

The app does not request sensitive permissions such as:

• Camera
• Contacts
• Location
• Storage access

Offline Usage

Kredix EMI Calculator works fully offline.

No internet connection is required to perform calculations.

Data Sharing

Because the application does not collect personal data, we do not sell, rent, trade, or share personal information with third parties.

There is no user data stored on external servers.

Data Retention

Since Kredix EMI Calculator does not collect personal data, the application does not retain personal user information.

Any temporary data used during calculations remains only on the user’s device.

Platform diagnostic reports provided by Google Play Console are retained and managed according to Google’s own data retention policies.

Transfer of Data

Because the application does not collect or store personal data, no user data is transferred internationally by the application itself.

Any aggregated diagnostic data processed by Google Play services is handled according to Google’s privacy policies.

Disclosure of Information

Since we do not collect personal data, we generally have no personal information to disclose.

However, disclosure may occur if required by law or in response to valid legal requests from public authorities.

Data Security

The application follows privacy-by-design principles and processes all calculations locally on the user’s device.

While we strive to design secure software, no electronic system can guarantee absolute security.

Children’s Privacy

Kredix EMI Calculator is suitable for general audiences.

The application does not knowingly collect personal information from children under the age of 13.

Because no personal data is collected, children can safely use the application.

If a parent or guardian believes that a child has provided personal information, please contact us.

Links to Third-Party Services

The application may use Google Fonts for typography.

Google Fonts may collect limited technical data such as IP address when serving fonts. This data is handled according to Google’s Privacy Policy:
https://policies.google.com/privacy

We are not responsible for the privacy practices of third-party services.

Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When updates occur:

• The “Last Updated” date will be revised
• Changes will be published on the official policy page

Continued use of the application after updates indicates acceptance of the revised Privacy Policy.

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Contact Us

If you have any questions regarding this Privacy Policy, you may contact us:

Developer: DevWithBabu
Location: Dhaka, Bangladesh
Email: onezifyapp@gmail.com