Privacy Policy
The short version
The app has no account, no login and no server of its own. It never asks for your name, PAN, Aadhaar, income, bank details, password or one-time password. Whatever you type into the calculators stays on the screen; the checklist ticks and theme setting are saved on your device only and disappear when you uninstall the app.
The one exception is advertising. The app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier to serve them. Section 3 explains this in full.
1. Information we do not collect
We do not ask for, collect, transmit or store any of the following:
- Your name, email address, phone number or postal address
- PAN, Aadhaar, passport, Voter ID or any other identity number
- Income, salary slips, tax returns, bank statements or any financial account details
- Admission letters, mark sheets or any other document or image
- Passwords, PINs or one-time passwords
- Contacts, SMS messages, call logs, photos, files or precise location
The app requests no runtime permissions. It has no access to your camera, storage, contacts, microphone or location. Its only declared permissions are Internet access, network-state access, and the advertising-ID permission that the Google Mobile Ads SDK requires.
2. Information stored on your device
The following is written to local storage on your phone only. It is never uploaded, never synced, and never visible to us or to anyone else.
| What | Why |
|---|---|
| Which items of the readiness checklist you have ticked | So your preparation list survives closing the app |
| Theme preference (system / light / dark) and whether the introduction has been shown | App settings |
| A launch counter, advert-pacing state and any ad-free window you have earned by watching a rewarded advert | To limit how often adverts appear and to honour the ad-free window |
| The most recently downloaded advert configuration file | So advert settings work offline and can be switched off remotely |
Calculator inputs (loan amount, rate, tenure, costs, income) are held in memory while a screen is open and are not saved. You can erase everything the app stores by clearing its data in Android settings or by uninstalling it. The checklist has its own reset button.
3. Advertising
The app is free and is supported by advertising supplied by Google AdMob. To serve adverts, measure them and limit how often you see the same one, the Google Mobile Ads SDK may collect and process:
- The device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Coarse, IP-derived location (country or region level)
- Advert interaction events, such as an impression or a click
- Crash and diagnostic information related to advert delivery
This data is collected by Google, not by us. We never receive it and cannot link it to you. Google's handling of it is governed by the Google Privacy & Terms.
For the Google Play Data safety form, this app is declared as collecting and sharing Device or other IDs (advertising ID) for the purpose of advertising, through the AdMob SDK. No other data type is collected or shared.
Your choices
- Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any advert is requested. You can change or withdraw that consent at any time from Settings → Manage ad consent inside the app.
- You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads, and opt out of advert personalisation there.
- Watching a rewarded advert is optional and grants a temporary ad-free period; declining changes nothing else about the app.
4. Network requests
The app makes exactly three kinds of outbound request:
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request carries no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
- This policy. The only link inside the app opens this page in your browser. The app contains no other links — none to any lender, regulator or third-party site.
All app traffic uses HTTPS; cleartext traffic is disabled at the platform level.
5. Children
The app is intended for adults — students aged 18 and over and their families — who are considering or repaying a higher-education loan. It is not directed at children under 13 (or the higher age of digital consent that applies where you live), and we do not knowingly collect any information from children.
6. Data retention and deletion
Because no personal data leaves your device, there is nothing for us to retain or delete on a server. Local data is removed when you clear the app's data or uninstall it. For data held by Google in connection with advertising, use Google's own controls linked above.
7. Your rights
Under India's Digital Personal Data Protection Act 2023 and comparable laws elsewhere, you may have rights of access, correction, erasure and grievance redressal over personal data held about you. Since this app holds no personal data about you on any server, those rights are satisfied by the on-device controls described above. If you believe otherwise, contact us at the address in Section 10 and we will respond.
8. Accuracy of the content
The guide, figures and calculators are educational estimates based on Credila's publicly available pages and documents at the time of writing. They are not a quotation, an offer, a sanction, or a statement of any actual loan, and they are not financial, legal or tax advice. Interest rates, fees and rules change; only the lender's own sanction letter and agreement are authoritative. Questions about an actual application or loan must go to Credila through its official channels, not to us.
9. Changes to this policy
If this policy changes, the updated version will be published at this address with a new effective date at the top. Material changes will also be noted in the app's release notes.
10. Contact
Questions about this privacy policy or about the app: [email protected]