Business Loan Calculator

Privacy Policy for Business Loan Calculator by JSP Tools

Effective Date: 11/03/2023

1. Introduction

Welcome to the Business Loan Calculator app, developed by JSP Tools. We are committed to protecting your privacy and ensuring that your personal data is handled in a secure and responsible manner. This Privacy Policy outlines how we collect, use, and protect your information, with specific compliance to the laws of India and the United States. By using our app, you agree to the terms outlined in this policy.

2. Information We Collect

While the Business Loan Calculator app primarily functions without collecting personal data, certain features like AdMob, analytics, and push notifications may require the collection of limited data.

AdMob: We use Google AdMob to display ads within the app. AdMob may collect non-personal information, including device type, device identifiers, IP address, and usage data to deliver targeted advertisements. AdMob may also use cookies or similar technologies to track ad performance. For more details, refer to [Google’s Privacy Policy](https://policies.google.com/privacy).

Analytics:We utilize analytics tools, such as Google Analytics for Firebase, to gain insights into how users interact with our app. This helps us improve the app’s functionality and user experience. The data collected includes anonymized usage statistics, device information, and other metrics that do not personally identify you. You can opt out of Google Analytics by adjusting the settings on your device.

Push Notifications:With your consent, we may send push notifications to inform you about updates, features, or promotional offers related to the app. You can opt out of receiving push notifications at any time by adjusting the notification settings on your device.

3. Data Processing and Use

Local Data Processing: Most data processing, such as financial calculations, is performed locally on your device. We do not have access to this information.

AdMob & Analytics Data: Data collected through AdMob and analytics tools is processed by third-party services (e.g., Google) to provide relevant ads and insights into app usage. This data is used in aggregate form and does not personally identify you.

4. Data Sharing and Disclosure

Third-Party Services: We may share non-personal data with third-party service providers, such as Google, to facilitate services like ads and analytics. These providers are obligated to protect your data in compliance with relevant privacy laws.

Legal Compliance: We may disclose your information if required by law, or in response to a legal request, such as a subpoena, court order, or government demand in both India and the United States.

5. Compliance with Indian and U.S. Privacy Laws

We adhere to the following privacy regulations:

India: We comply with the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. We ensure that your personal data is processed with the utmost care and in accordance with these regulations.

United States: We comply with applicable federal and state privacy laws, including the California Consumer Privacy Act (CCPA) for users in California. We respect your rights under these laws, including your right to access, correct, and delete your data.

6. User Rights

Depending on your location, you may have certain rights regarding your personal data, including the right to:

Access the data we collect about you.

Request correction or deletion of your data.

Object to or restrict the processing of your data.

Withdraw your consent for data processing (e.g., for push notifications).

To exercise any of these rights, please contact us using the information provided in the “Contact Information” section below.

7. No False Claims

Our app is designed strictly for educational and informational purposes. We do not offer loans or financial products. The tools provided within the app are intended to help users understand potential loan repayments and other financial metrics. JSP Tools does not make any false claims or misleading representations.

8. Disclaimer

The content and tools provided by the Business Loan Calculator app are for informational purposes only and should not be considered professional financial advice. JSP Tools is not a financial institution or lender. The app is not a substitute for professional financial advice. Users are encouraged to consult with a qualified financial advisor before making any financial decisions.

9. Legal Notices

JSP Tools is not responsible for any loss or damage resulting from the use of this app. The Business Loan Calculator app is provided "as is" without warranties of any kind, either express or implied. We do not guarantee the accuracy, reliability, or completeness of any financial calculations or information provided.

Limitations of Liability: To the maximum extent permitted by applicable law, JSP Tools shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your use of the app.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. We encourage you to review this policy periodically. Your continued use of the app following any changes signifies your acceptance of the updated policy.

11. International Data Transfers

Since some data (e.g., for ads and analytics) may be processed by third parties in different countries, including outside of India and the United States, we ensure that appropriate safeguards are in place to protect your data in accordance with applicable privacy laws.

12. Contact Information

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact us at:

JSP Tools  

moviecardindia17@gmail.com

13. Governing Law

This Privacy Policy is governed by the laws of India and the United States, without regard to their conflict of law principles. Any disputes arising under or in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts located in india