Privacy Policy for Loan Co-Pilot

Last Updated: January 4, 2026

Introduction

This Privacy Policy describes how Loan Co-Pilot ("the App", "we", "us", or "our") handles your information. We are committed to protecting your privacy and being transparent about our data practices.

Information Collection and Use

Data We DO NOT Collect

Loan Co-Pilot is designed with privacy as a core principle. We do not collect, transmit, store, or process any of your personal or financial information on external servers.

Specifically, we do NOT:

• Collect any personal identification information
• Track your location
• Access your contacts, photos, or other device data
• Transmit your loan data to any server
• Use analytics or tracking services
• Share data with third parties
• Use cookies or similar tracking technologies
• Require account creation or login

Data Stored Locally

All loan information you enter into the App is stored exclusively on your device using local storage. This includes:

• Loan amounts and terms
• Interest rates
• Payment schedules
• Extra payment records
• App preferences

This data:

• Remains on your device only
• Is not transmitted over the internet
• Is not backed up to cloud services by the App
• Is under your complete control

Your Data Rights

Since all data is stored locally on your device, you have complete control:

• Access: You can view all your data within the App
• Modification: You can edit any loan information at any time
• Deletion: You can delete individual loans or all data using the trash icon in the App
• Export: Your data is stored in standard formats on your device

Data Deletion

To delete all your data:

1. Tap the trash icon (🗑️) on the main dashboard
2. Confirm the deletion
3. Alternatively, uninstall the App to remove all locally stored data

Device Permissions

Loan Co-Pilot requires minimal device permissions:

• Storage: To save your loan data locally on your device only

We do not request or use:

• Location services
• Camera or photo library
• Contacts
• Microphone
• Notifications (unless you enable reminders in future versions)

Third-Party Services

The App does not integrate with any third-party services, analytics platforms, advertising networks, or external APIs.

Children's Privacy

Loan Co-Pilot is not directed at children under the age of 13. We do not knowingly collect information from children. If you are a parent or guardian and believe your child has used the App, please contact us.

Security

While we implement reasonable security measures in the App's code, the security of your locally stored data depends on your device's security settings. We recommend:

• Using device passcode/biometric authentication
• Keeping your device software up to date
• Not sharing your device with untrusted individuals

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected in the App and the "Last Updated" date above will be revised. Continued use of the App after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or need support, please contact us at:

• Email: tareq_musmar@hotmail.com

Disclaimer

This App provides loan calculations and is for informational purposes only. See the App's Terms of Use and Disclaimer for more information about the limitations of the App.

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