Privacy policy for kur pinjaman bank tracker
# Privacy Policy
**Effective Date:** June 12, 2026
**App Name:** KUR Pinjaman Bank Tracker
**Developer:** Safinah Mawadda
**Contact Email:** [safinahmawadda@gmail.com](mailto:safinahmawadda@gmail.com)
This Privacy Policy explains how **KUR Pinjaman Bank Tracker** (“we”, “our”, or “the App”) handles information when you use our mobile application.
By using the App, you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the App.
## 1. About This App
KUR Pinjaman Bank Tracker is a financial utility app designed to help Indonesian users, especially UMKM/business owners, calculate estimated KUR loan installments, view estimated installment tables, check basic KUR document readiness, track application progress manually, record loan payment history, and set installment reminders.
The App is provided for informational, educational, calculation, and personal tracking purposes only.
**Important Disclaimer:**
KUR Pinjaman Bank Tracker is not an official government application, is not a bank application, and does not provide, distribute, approve, or submit loan applications. All loan simulations, installment tables, readiness checks, and calculations are estimates only. Final loan approval, interest rate, tenor, fees, requirements, and official installment amounts are determined by the relevant bank, financial institution, or official KUR channel.
## 2. Information We Collect
We aim to collect as little user information as possible. The App does not require account registration and does not require users to log in.
The types of information that may be entered or generated in the App include:
### 2.1 Loan and Financial Tracking Information
You may voluntarily enter information such as:
* Loan amount
* Bank or lender name
* KUR type
* Interest rate
* Tenor
* Start date
* Due date
* Estimated installment amount
* Payment status
* Payment date
* Payment method
* Remaining balance
* Notes related to your loan tracking
This information is used only to provide app features such as installment calculation, payment tracking, reminder scheduling, and local loan records.
### 2.2 Business Readiness Information
You may voluntarily enter basic business-related information such as:
* Business type
* Business age
* Monthly revenue estimate
* Monthly profit estimate
* Desired loan amount
* Existing loan information
* KUR readiness checklist answers
This information is used only to generate an estimated readiness score and provide general guidance inside the App.
### 2.3 Document Checklist Information
The App may allow you to mark document checklist items such as:
* KTP
* KK
* NIB
* NPWP
* Business certificate
* Business photo
* Revenue records
* Bank account records
* Other required documents
The App does not require you to upload document photos in the MVP version. The checklist only stores document status such as “Not available”, “In progress”, “Available”, or “Submitted”.
### 2.4 Reminder and Notification Information
If you enable reminders, the App may store due dates and reminder preferences locally on your device in order to send local notifications.
The App may request notification permission only so it can remind you about upcoming installment due dates.
### 2.5 Advertising and Device Information
The App uses Google AdMob to show advertisements, including banner ads, native ads, and interstitial ads.
Google AdMob and related Google services may automatically collect certain information from your device for advertising, fraud prevention, analytics, security, and service improvement purposes. This may include information such as:
* Advertising ID
* Device information
* App interaction information
* Approximate location inferred from device or network information
* IP address
* Diagnostic information
* Crash or performance information
* Ad interaction data
The collection and use of this information are governed by Google’s own policies and privacy practices.
## 3. Information We Do Not Collect
The App does not intentionally collect:
* Government-issued ID photos
* KTP photos
* KK photos
* NPWP photos
* Bank account login credentials
* ATM PIN
* Mobile banking password
* Credit card numbers
* Debit card numbers
* Biometric data
* SMS messages
* Phone call logs
* Contact list
* Precise GPS location
* Microphone recordings
* Camera images
* Loan application documents for submission to any bank
The App does not provide a loan application submission service and does not send your data to any bank or government institution.
## 4. How We Use Information
Information entered into the App is used to provide the following features:
* Calculate estimated loan installments
* Generate estimated installment tables
* Compare estimated installments between banks
* Save loan simulations
* Track active loans
* Record installment payments
* Show remaining balance
* Track KUR application status manually
* Generate readiness scores
* Manage document checklists
* Schedule local reminders
* Improve app usability and functionality
* Display advertisements through Google AdMob
We do not use your data to approve loans, reject loans, submit loan applications, perform credit scoring for financial institutions, or make official lending decisions.
## 5. Local Data Storage
Most user-entered data in the App is stored locally on your device.
This may include:
* Saved loan records
* Payment records
* Installment tables
* Simulation history
* Document checklist status
* Application tracker status
* Reminder preferences
* App settings
Because this data is stored locally, uninstalling the App or clearing app data from your device may permanently delete your saved information.
We do not operate a cloud account system for this App unless clearly stated in a future update.
## 6. Third-Party Services
The App may use third-party services that may collect information according to their own privacy policies.
These services may include:
### Google AdMob
The App uses Google AdMob to display ads. AdMob may collect and process certain device and usage information to provide, limit, personalize, measure, and improve ads, and to prevent fraud and abuse.
Depending on your location and consent settings, ads may be personalized or non-personalized.
### Google Play Services
The App may rely on Google Play Services for app distribution, security, compatibility, and other Android platform-related services.
### Google Play Store
If you install the App through Google Play, Google may process information related to app installation, updates, device compatibility, purchases if any, and Play Store usage according to Google’s privacy practices.
## 7. Advertising
KUR Pinjaman Bank Tracker is supported by advertisements.
The App may show:
* Banner ads
* Native ads
* Interstitial ads
We aim to place advertisements in a way that does not intentionally mislead users or interfere with important financial tracking actions.
Advertisements are provided by Google AdMob or other supported advertising services if added in the future.
Ad providers may use advertising identifiers, device information, cookies or similar technologies, and app interaction data to show ads, measure ad performance, prevent fraud, and comply with legal obligations.
You may be able to manage ad personalization through your device settings or Google ad settings.
## 8. Data Sharing
We do not sell your personal data.
We do not share your manually entered loan tracking, payment records, checklist status, or readiness check answers with banks, government institutions, or third parties.
However, third-party services such as Google AdMob may collect and process certain information directly from your device according to their own policies.
We may disclose information if required by law, regulation, legal process, or government request, or to protect the rights, safety, and security of users, the App, or others.
## 9. Data Retention
Data stored locally in the App remains on your device until:
* You delete the data inside the App, if a delete option is available
* You reset the App data
* You uninstall the App
* You clear the App’s storage from your device settings
Advertising and diagnostic data collected by third-party services are retained according to the privacy and retention policies of those services.
## 10. Data Deletion
Because user-entered data is primarily stored locally on your device, you can delete your data by:
* Deleting loan records inside the App
* Deleting payment records inside the App
* Resetting local app data if the feature is available
* Clearing the App’s storage through Android settings
* Uninstalling the App
If you contact us regarding privacy questions, you may email:
[safinahmawadda@gmail.com](mailto:safinahmawadda@gmail.com)
Please note that we may not be able to delete data stored only on your personal device because we do not have access to your device storage.
## 11. Notifications
The App may request permission to send notifications.
Notifications are used for:
* Installment due date reminders
* Payment reminder alerts
* Local app reminders related to your saved loan schedule
You can disable notifications at any time through your device settings.
## 12. App Permissions
The App only requests permissions needed for its core functionality.
Possible permissions may include:
* Notification permission, for installment reminders
* Internet permission, for displaying ads and accessing third-party advertising services
The App does not require SMS, contacts, microphone, camera, call logs, or precise location permissions for its core MVP functionality.
If future versions introduce new permissions, this Privacy Policy will be updated accordingly.
## 13. Security
We take reasonable steps to protect information used by the App.
However, no method of electronic storage or transmission is completely secure. Since most of your data is stored locally on your device, you are responsible for keeping your device secure.
We recommend that you:
* Use a device screen lock
* Keep your operating system updated
* Avoid sharing your device with untrusted persons
* Do not enter sensitive banking passwords or PINs into the App
The App will never ask for your mobile banking password, ATM PIN, or bank login credentials.
## 14. Children’s Privacy
The App is intended for general users who are interested in UMKM loan tracking and financial calculations. It is not specifically directed to children.
We do not knowingly collect personal information from children.
If you believe that a child has provided personal information through the App, please contact us at:
[safinahmawadda@gmail.com](mailto:safinahmawadda@gmail.com)
We will take reasonable steps to address the issue.
## 15. International Users
The App is primarily designed for users in Indonesia. However, if you access the App from another country, you understand that your information may be processed according to this Privacy Policy and the privacy practices of third-party services such as Google AdMob and Google Play.
For users in regions with specific privacy laws, such as the European Economic Area, the United Kingdom, Switzerland, or certain U.S. states, advertising consent choices and privacy options may be provided through Google or your device settings where required.
## 16. Your Choices and Controls
You may control your information in the following ways:
* You can choose not to enter optional information
* You can edit or delete saved loan records
* You can disable notifications
* You can clear app data from Android settings
* You can uninstall the App
* You can manage ad personalization through Google or device settings
* You can contact us for privacy-related questions
## 17. Accuracy of Financial Information
The App provides estimated calculations only.
Loan installment results may differ from official bank calculations due to:
* Different bank policies
* Different interest calculation methods
* Administrative fees
* Insurance fees
* Subsidy rules
* Rounding methods
* Grace periods
* Restructuring
* Late payment penalties
* Changes in government or bank policies
Always confirm final loan terms directly with the relevant bank, financial institution, or official KUR channel.
## 18. No Financial Advice
The App does not provide legal, financial, banking, tax, or investment advice.
All information in the App is for general informational and personal tracking purposes only. You should consult the relevant bank, official institution, financial advisor, or qualified professional before making financial decisions.
## 19. Links to Third-Party Websites or Services
The App may contain links or references to third-party websites or services, such as Google services or official bank/government websites.
We are not responsible for the privacy practices, content, accuracy, or policies of third-party websites or services. Please review their privacy policies before using them.
## 20. Changes to This Privacy Policy
We may update this Privacy Policy from time to time.
If we make changes, we will update the “Effective Date” at the top of this page. Continued use of the App after changes are posted means you accept the updated Privacy Policy.
You are encouraged to review this Privacy Policy periodically.
## 21. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the App’s privacy practices, you may contact us at:
**Developer:** Safinah Mawadda
**Email:** [safinahmawadda@gmail.com](mailto:safinahmawadda@gmail.com)
## 22. Final Disclaimer
KUR Pinjaman Bank Tracker is not affiliated with, endorsed by, sponsored by, or officially connected to any government institution, bank, financial institution, or official KUR program operator.
The App does not provide loans, does not approve loans, does not collect loan applications, and does not submit user data to any bank or government institution.
All calculations, tables, readiness scores, and tracking features are provided for estimation and personal record-keeping purposes only.