Privacy Policy

Our Data Handling & Privacy Policy

Loan & Mortgage Calculator is a utility that helps you estimate your loan and mortgage payments based on your loan amount, interest rate, and term. To protect your privacy, we adhere to strict data-handling practices:

• • Local Processing: All loan and mortgage calculations are performed locally on your device. No financial data, loan amounts, or personal information is ever transmitted to or stored on our servers.
• • No Account Required: We do not collect your name, email, phone number, or any other personally identifiable information.
• • Third-Party Advertising: To keep this tool free, we use Google AdMob to serve ads. AdMob may collect anonymous device identifiers, IP addresses, and generalized location data to serve relevant advertisements. Users in regulated regions (such as the EU/UK and specific US states) will be presented with a Consent Management Platform (CMP) to manage these ad preferences.
• • Fraud Prevention: To protect our advertising partners from invalid traffic and malicious bots, we may process one-way hashed (anonymized) device tokens. This purely ensures system integrity and cannot be reverse-engineered to identify you or tied to your financial inputs.

How the App Works

Loan & Mortgage Calculator uses standard financial formulas to estimate your monthly loan and mortgage payments based on the loan amount, interest rate, and term you enter. Your input data never leaves your device.

When you close the app or clear the calculator, all entered data is erased from memory. We do not maintain any databases or storage systems that contain user information.

Accuracy Disclaimer

The calculations provided by Loan & Mortgage Calculator are estimates based on standard amortization formulas and should be used for informational purposes only. Actual loan payments may vary depending on your lender, additional fees, taxes, insurance, and other factors. For accurate payment information, please consult with your lender or a qualified financial advisor. We do not guarantee the accuracy of calculations and are not responsible for any decisions made based on the app's results.

Non-Financial Advisor & Data Source

Important: Loan & Mortgage Calculator is a privately owned and operated utility developed by Kilelu Apps. We are NOT a financial advisor, lender, or mortgage broker. We are NOT affiliated with, endorsed by, authorized by, or in any way officially connected to any financial institution or government agency.

The calculations used within this application are based on standard mathematical amortization formulas widely used in the financial industry. These formulas are public knowledge and are not proprietary to any specific organization.

Use of Content

The Loan & Mortgage Calculator app and its calculation tools are provided for your personal and non-commercial use only.

Warranty and App Updates

The app is provided "as-is" without any warranty. We may update the app from time to time to provide new features, improve calculation accuracy, or fix bugs. These updates will not change our core privacy commitment; we will never extract your financial data.

Changes to This Privacy Policy

We reserve the right to update this policy to clarify our practices or to comply with legal and App Store requirements. Any changes will be posted on this page. By using the Loan & Mortgage Calculator app, you agree to this privacy policy.

Contact Us

If you have any questions or concerns about our privacy practices, please contact us at: