Privacy Policy for PinjamanKu: Pinjaman Tracker
Privacy Policy for PinjamanKu: Pinjaman Tracker
Effective Date: May 21, 2026
Last Updated: May 21, 2026
Developer / Publisher: Safinah Mawadda
Contact Email: safinahmawadda@gmail.com
App Package Name: com.safinah.pinjamanku.tracker
This Privacy Policy explains how **PinjamanKu: Pinjaman Tracker** ("the App", "we", "our", or "us") accesses, stores, uses, discloses, and otherwise processes information when you use the App.
PinjamanKu: Pinjaman Tracker is a personal finance utility designed to help users track loans, record payments, save loan notes, review repayment simulations, and receive optional reminders. The App does **not** provide loans, issue credit, process payments, or operate as a lender, broker, bank, or financial institution.
This Privacy Policy is intended to help you understand:
- what information the App handles;
- how that information is used;
- whether that information is shared with third parties;
- how long information is retained;
- how you can manage or delete your data; and
- how advertising services used by the App may process information.
## 1. Who We Are
For the first-party data practices described in this Privacy Policy, the developer and publisher responsible for the App is:
**Safinah Mawadda**
Email: **safinahmawadda@gmail.com**
If you have any privacy-related questions, requests, or complaints, you may contact us using the email address above.
## 2. Scope of This Privacy Policy
This Privacy Policy applies to the Android mobile application **PinjamanKu: Pinjaman Tracker**, including its calculators, note-management features, payment-history features, simulation history, reminder features, settings, and advertising integrations.
This Privacy Policy does **not** govern the privacy practices of third-party services, advertisers, SDK providers, device manufacturers, app stores, operating systems, or external websites except to the extent we describe their involvement in the App. Those third parties may apply their own privacy policies and terms.
## 3. Short Summary
In short:
- You do **not** need to create an account to use the App.
- We do **not** operate a first-party cloud backend to store your loan notes, payment records, or saved simulations.
- Most finance-related information you enter into the App is stored locally on your device.
- The App can request notification permission if you choose to use reminder features.
- The App uses **Google AdMob / Google Mobile Ads SDK** to display banner, interstitial, and native ads.
- Google AdMob and related Google services may automatically collect certain device and usage data for advertising, measurement, analytics, and fraud prevention.
- We do **not** sell your personal information.
## 4. Information We Access, Collect, or Process
### 4.1 Information you manually enter into the App
The App allows you to manually enter and save finance-related information, which may include:
- loan names or note titles;
- total loan amount;
- remaining loan balance;
- monthly installment amount;
- due date information;
- payment amount records;
- payment dates;
- payment notes or remarks;
- general notes related to a loan;
- simulation names;
- principal amount;
- interest rate;
- tenor or loan term;
- interest type;
- total payment estimates; and
- timestamps associated with saved records.
This information is used only to provide the App's core features, such as calculations, note management, payment tracking, due-date monitoring, repayment planning, and history display.
### 4.2 Locally stored app preferences
The App stores certain preference data locally on your device, such as:
- whether dark mode is enabled;
- whether reminder notifications are enabled; and
- whether onboarding has been completed.
These settings help the App remember your choices and provide a more consistent user experience.
### 4.3 Reminder and notification-related processing
If you choose to enable reminders, the App may request the Android **POST_NOTIFICATIONS** permission.
If that permission is granted, the App may process locally stored due-date information on your device in order to determine whether reminder notifications should be shown for upcoming payments. Reminder checks are performed locally using information stored in the App. We do not maintain a first-party remote reminder server for this feature.
### 4.4 Advertising and SDK-related information
The App uses **Google AdMob / Google Mobile Ads SDK** to display ads.
Based on Google's official developer documentation, the Google Mobile Ads SDK may automatically collect and share certain categories of information, including:
- **IP address**, which may be used to estimate general location;
- **user product interactions**, such as app launches, ad impressions, taps, and video views;
- **diagnostic information**, such as information related to app and SDK performance; and
- **device and account identifiers**, including the Android advertising ID, app set ID, and other identifiers where applicable.
Depending on your device settings, region, consent status, and applicable law, ads shown in the App may be personalized or non-personalized. Even when ads are non-personalized, Google or its partners may still process certain information for ad delivery, frequency capping, measurement, analytics, and fraud prevention.
### 4.5 Information you provide if you contact us
If you contact us directly by email, we may receive and process the information you choose to provide, such as:
- your name or nickname;
- your email address;
- the contents of your message;
- screenshots or attachments you voluntarily send; and
- any other information you choose to include.
We use this information only to respond to you, handle your request, troubleshoot issues, maintain support records, or comply with legal obligations.
### 4.6 Information we do not intentionally collect through first-party features
Except as described in this Privacy Policy, the App does not intentionally request or collect the following through its own first-party features:
- precise GPS location;
- contacts or address book data;
- call logs;
- SMS or MMS content;
- microphone audio;
- camera photos or videos;
- photo gallery or file-library content;
- health data;
- biometric identifiers;
- government-issued identification numbers;
- banking credentials;
- payment card numbers; or
- passwords for financial accounts.
## 5. How We Use Information
We use information handled by the App for the following purposes:
- to calculate loan installments, interest, repayment scenarios, affordability, and related outputs;
- to save and display loan notes, payment history, and simulation history locally on your device;
- to show upcoming due-date reminders if you enable reminder notifications;
- to remember your preferences and settings;
- to operate, maintain, debug, secure, and improve the App;
- to protect against misuse, fraud, abuse, technical failures, and unauthorized activity;
- to display banner, interstitial, and native ads using Google AdMob; and
- to respond to your messages or support requests.
We do **not** use the finance records you enter into the App to build our own remote advertising profile about you.
## 6. Legal Bases Where Applicable
Depending on where you are located and to the extent applicable privacy law requires a legal basis, we may rely on one or more of the following:
- **your consent**, such as when you enable notifications or where consent is required for certain advertising practices;
- **performance of a service requested by you**, such as storing and displaying your locally saved records;
- **our legitimate interests**, such as operating, securing, maintaining, monetizing, and improving the App; and
- **compliance with legal obligations**, where we must keep records or respond to lawful requests.
This section is provided for general transparency and is not intended as jurisdiction-specific legal advice.
## 7. How Information Is Shared
### 7.1 No sale of personal information
We do **not** sell your personal information or your personal and sensitive user data.
### 7.2 Sharing with advertising providers and related partners
When ads are requested, loaded, displayed, clicked, or measured, certain information may be automatically collected, processed, transmitted, or shared by **Google AdMob / Google Mobile Ads SDK** and its partners under their own privacy terms.
This may include information used for:
- ad delivery;
- ad personalization where permitted;
- ad measurement and reporting;
- analytics and diagnostics; and
- fraud and abuse prevention.
### 7.3 Sharing with platform and service providers
The App operates within the Android and Google Play ecosystem and may necessarily interact with platform services, Google Play services, and SDK providers in order to function correctly, display ads, request permissions, or provide notifications.
### 7.4 Legal compliance and protection
We may disclose information if we believe disclosure is required by law, regulation, court order, legal process, or valid governmental request, or if disclosure is reasonably necessary to:
- enforce our rights;
- protect users, the public, or the App;
- investigate suspected fraud or abuse; or
- address security or technical issues.
### 7.5 Business transfer
If the App, its assets, or the developer business is involved in a merger, acquisition, restructuring, financing, dissolution, bankruptcy, sale of assets, or similar transaction, information covered by this Privacy Policy may be transferred as part of that process, subject to applicable law.
## 8. Permissions and Device Capabilities
The App may use or request access to certain permissions and capabilities, including:
### 8.1 Notification permission
The App may request **POST_NOTIFICATIONS** so it can show local reminder notifications for upcoming due dates if you choose to enable reminders.
If you deny or revoke this permission, reminder notifications may not work, but the rest of the App should generally remain usable.
### 8.2 Internet and network access
The App and integrated advertising SDKs may use network access to load ads, communicate with service providers, and support normal app operation where required by Android and third-party SDKs.
### 8.3 Background processing for reminders
The App may use Android background scheduling tools, including **WorkManager**, to periodically check whether locally stored loans are nearing their due dates and to trigger local reminders on your device.
## 9. Data Storage, Retention, and Deletion
### 9.1 Local storage of finance-related records
Loan notes, payment history, simulation history, and many core App records are designed to be stored locally on your device using on-device storage.
We do **not** currently provide a first-party cloud sync or account-based remote storage service for this information.
### 9.2 How long local data is retained
Local data is generally retained until:
- you delete specific notes or history entries;
- you use an in-app option to clear app data or clear saved records;
- you clear the App's storage from Android settings;
- you uninstall the App;
- your device is reset; or
- local data is removed because of corruption, device failure, or another technical event beyond our control.
### 9.3 Preference retention
Preference data, such as dark mode, onboarding state, and reminder settings, is stored locally and is retained until you change the setting, clear App storage, or uninstall the App.
### 9.4 Advertising-related retention
Advertising-related information handled by Google AdMob, Google, or advertising partners is retained according to those third parties' own policies, settings, technical practices, and legal obligations, not according to the App's local retention rules.
### 9.5 Contact-related retention
If you contact us by email, we may retain your message and related correspondence for as long as reasonably necessary to respond, maintain support records, protect our rights, or comply with legal obligations.
### 9.6 Important note about local storage
Because the App relies on local storage, you should not treat it as your only permanent archive of important financial information. A device issue, app reinstall, storage clear, migration failure, or user action may remove locally stored records.
## 10. Security
We use measures that are reasonable in light of the App's design and functionality to reduce privacy and security risks.
Important security facts about this App include:
- finance-related records are intended to remain on your device rather than being uploaded to our own remote server;
- the App does not operate a first-party account database for your loan notes, payment history, or simulations;
- Android backup by the App is disabled in the current App configuration; and
- Google states that data transmitted by the Google Mobile Ads SDK is encrypted in transit using TLS.
However, no software, local storage system, internet transmission, or mobile-device security measure can be guaranteed to be 100% secure. If someone gains unauthorized access to your device, your unlocked screen, a backup, or your email account, information may be exposed outside our control.
## 11. International Data Transfers
Your finance notes, payment history, and simulation history are intended to remain stored locally on your device.
However, because the App uses Google AdMob and related Google services, some advertising-related information may be processed on servers located in countries other than your own, depending on Google's infrastructure and service operations.
If you contact us by email, your message may also be transmitted or stored through email providers or service infrastructure that may operate internationally.
## 12. Your Rights and Choices
Depending on your jurisdiction, you may have privacy rights such as the right to access, correct, delete, object to, restrict, or request portability of certain personal data, and the right to withdraw consent where consent is the basis of processing.
Because the App generally stores your finance records locally on your own device rather than on our own server, many practical privacy controls can be exercised directly by you, including:
- editing or deleting saved loan notes;
- deleting saved payment or simulation records by clearing app data;
- using in-app clear-data functionality where available;
- clearing the App's storage from Android settings;
- uninstalling the App;
- enabling or disabling reminder features;
- granting or revoking notification permission;
- resetting or deleting your Android advertising ID through Android settings where available; and
- adjusting ad personalization or Google ad settings where supported.
If you contact us with a privacy request, we will review it in light of applicable law and the technical reality of the App's local-only design. In some cases, we may not be able to retrieve, export, or alter data that we do not store on our own systems.
You may also have the right to lodge a complaint with a regulator or data protection authority in your country or region, where applicable.
## 13. Account Creation and Account Deletion
The App does **not** require you to create a user account with us.
Because there is no first-party account system, there is no separate account-deletion workflow. To remove most App data, you can:
- delete items within the App where supported;
- clear the App's storage from Android settings; or
- uninstall the App.
## 14. Children's Privacy
The App is not directed to children under 13, or under the minimum age required in the relevant jurisdiction, and it is not designed as a child-directed service.
Because the App relates to personal finance and may display third-party advertising, it should only be used by individuals who are legally allowed to use such services under applicable law.
If you believe a child has provided personal information to us in a way that should be removed under applicable law, please contact us.
## 15. Third-Party Services
The App may integrate with or rely on third-party services, including:
- Google AdMob / Google Mobile Ads SDK;
- Google Play services;
- Android platform services; and
- email or link-handling services if you choose to contact us or open external links.
These third parties may independently collect, use, store, or share information under their own policies. We encourage you to review their privacy notices carefully.
Useful references include:
- Google Privacy Policy: https://policies.google.com/privacy
- Google Ads / Technologies Policy Information: https://policies.google.com/technologies/ads
- How Google uses information from sites or apps that use its services: https://policies.google.com/technologies/partner-sites
## 16. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect:
- changes to the App's features or data practices;
- changes to advertising, SDK, or platform integrations;
- legal or regulatory requirements; or
- security, operational, or business developments.
When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy. Material changes may also be reflected through the App, the app listing, or another appropriate notice where reasonably required.
## 17. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App's privacy practices, please contact:
**Safinah Mawadda**
Email: **safinahmawadda@gmail.com**
## 18. Important Note
This Privacy Policy is provided for transparency and compliance purposes. It is not legal advice. Privacy, advertising, and consumer-protection laws vary by country and may impose additional requirements depending on where the App is offered and how it is used. If you need legal assurance for publication or regulatory review, you should consider consulting a qualified legal professional.