Privacy Policy
The short version
This app has no account and no server of its own. It never asks for your name, your ID number, your bank details or your contact details. Every calculation runs on your phone, and the figures you type are never transmitted anywhere.
The one thing that does leave your phone is advertising. The app is free and carries adverts supplied by Google AdMob, and the advertising SDK collects your device's advertising identifier so it can serve and measure those adverts. That is the entire extent of the data sharing, and the rest of this page explains it precisely.
Who is responsible
The app is published by an independent developer. For anything in this policy, or any question about your data, write to [email protected]. This address is also the app's support address, and it is monitored.
What stays on your phone
The app stores a small amount of information locally so it can remember where you were. None of it is uploaded, none of it is backed up to a server of ours, and none of it is readable by anyone but you. It is held in the app's own private storage on the device.
| What | Why |
|---|---|
| Amounts you last typed into a calculator — loan amount, income, expenses | So a screen you come back to is not empty. Kept as plain text on the device only. |
| Which checklist items you have ticked, and which journey steps you have completed | So your progress survives closing the app. |
| Which guide chapters and questions you have bookmarked | So you can find them again. |
| Your light/dark theme choice | So the app opens the way you left it. |
| Whether you have seen the introduction, how many times the app has been opened, and when it was first opened | So the introduction is not shown twice, and so an App Open advert is never shown on a first launch. |
| When an ad-free period earned from a rewarded advert ends | So the app can honour it. |
That is the complete list. There is no profile, no identifier of our own, and nothing that identifies you personally.
What leaves your phone
1. Advertising — Google AdMob
The app displays adverts through the Google Mobile Ads SDK. To do that, Google receives your device's advertising identifier, along with the technical information an advert request normally carries — such as your device model, operating system version, the app you are using, your general location derived from your IP address, and whether you interacted with an advert.
Google acts as an independent controller of that data. How Google uses it is described in Google's own privacy terms for its partner sites and apps.
We never see any of it. The developer receives only aggregate earnings and performance reports from AdMob. Those reports contain no information about individual users.
2. Consent — Google User Messaging Platform
Where the law requires it, the app shows a consent form supplied by Google's User Messaging Platform before any advert is requested. Your choice is stored on the device and passed to the advertising SDK. If consent is refused or cannot be obtained, no advert is requested at all.
3. An advert configuration file
On start-up, and periodically while the app is open, it fetches a small configuration file over
HTTPS from mydb.web.id. That file tells the app which advert formats are switched on
and how often they may appear — it exists so adverts can be turned down or off without shipping an
app update.
This is a plain GET request. It sends no identifier, no advertising ID and no
information about you. As with any web request, the server sees the IP address the request came
from, which is unavoidable in how the internet works.
4. Links you choose to open
The app links out to the lender's official website, to the National Credit Regulator, to the National Financial Ombud Scheme, to the National Consumer Tribunal, and to registered credit bureaus. Those links open in your device's browser. Once you are there you are on someone else's site, and their privacy policy applies, not this one. The app passes nothing about you along with the link.
What the app does not do
- It does not ask for, collect or transmit your name, ID number, contact details or bank details.
- It does not send the figures you type into the calculators anywhere.
- It has no account, no sign-in and no password.
- It contains no analytics SDK and no crash-reporting SDK. The only third-party components are the Google Mobile Ads SDK and the Google User Messaging Platform.
- It does not access your contacts, photos, files, messages, microphone, camera or precise location.
- It does not sell personal information, because it holds none to sell.
Permissions the app requests
| Permission | Why it is needed |
|---|---|
INTERNET |
To fetch adverts and the advert configuration file, and to open external links. |
ACCESS_NETWORK_STATE |
Required by the advertising SDK to tell whether a connection is available. |
com.google.android.gms.permission.AD_ID |
To read the advertising identifier for advert serving and frequency capping. |
The app requests no other permission. All network traffic is HTTPS; plain unencrypted traffic is disabled in the app's own network configuration.
Advertising, and how to control it
- Reset or delete the advertising ID. On your phone, open Settings → Google → All services → Ads. You can reset the identifier or delete it entirely, which stops it being used for personalised advertising.
- Change your consent. Where a consent form was shown, the app's own Settings screen offers a permanent way back into it, so you can change or withdraw that consent at any time.
- Opt out of personalisation. Google explains the available controls at its AdMob help centre.
Adverts are not endorsements. An advert for a financial product appearing in this app is not a recommendation by this app or its developer.
Children
This app is not directed at children. Its subject is consumer credit, and nobody under 18 may enter a credit agreement in South Africa. It is rated for users aged 18 and over, and it does not knowingly collect information from children.
Your rights
This app is written for South Africa, so the Protection of Personal Information Act, 2013 (POPIA) is the relevant law. Under POPIA you may ask what personal information is held about you, ask for it to be corrected or deleted, and object to its processing.
In practice, the answer to a request of that kind will be short: the developer holds no personal information about you. Everything the app stores is on your own device and under your control. Anything held in connection with advertising sits with Google, and Google's own privacy terms explain how to exercise your rights there.
If you are not satisfied, you may complain to South Africa's Information Regulator.
If you use the app from the European Economic Area or the United Kingdom, the GDPR and UK GDPR give you equivalent rights, and the consent form described above is the lawful basis relied upon for personalised advertising. You may withdraw that consent at any time from the app's Settings screen.
Keeping and deleting data
Because there is no server, there is nothing for us to retain and nothing for us to delete on your behalf. Everything the app has stored is removed when you either clear the app's storage (Settings → Apps → Capfin: Loans App Calc → Storage → Clear storage) or uninstall the app.
Data held by Google in connection with advertising is retained according to Google's own retention policies, which are set out in the Google privacy terms linked above.
Security
All network traffic uses HTTPS, and unencrypted traffic is disabled at the application level. The data the app stores is kept in the app's private storage, which other apps on the device cannot read. No credential, payment detail or identity document is ever requested, so none can be lost.
Changes to this policy
If this policy changes, the revised version will be published at this address with a new effective date at the top. Material changes affecting how data is handled will also be noted in the app's release notes. Continuing to use the app after a change means you accept the revised policy.
Contact
Questions, requests or complaints about privacy:
[email protected]
For anything about an actual loan, an application, an account or a balance, contact the lender directly. This app has no access to any of it.