Privacy Policy Effective Date: 2023-06-18 Last Updated: 2023-12-27 This Privacy Policy describes how your personal information is collected, used, and shared when you use our mobile application, the Real Loan Interest Manual (hereinafter referred to as "the App").

1. Personal Data We Collect When you use our App, we collect certain data that can be used to identify you ("Personal Data"), including:
   • Identifiers: Such as username, email address, and other identifiers that you may provide during registration or while using our App.
   • Financial Information: The loan amounts, loan terms, and annual interest rates that you enter in the App to use the "Loan Calculator Pro" feature. We do not store or share this information and only use it for the calculation purposes within the app.
   • Usage Data: Information related to how you interact with our App, such as the features you use, the actions you take, and the time, frequency, and duration of your activities.
2. How We Use Your Personal Data We use your Personal Data in the following ways:
   • Providing and Improving the App: We use your Personal Data to provide you with the App's services, enhance your user experience, and continuously improve our offerings. This includes using your financial information for the purpose of performing calculations in the "Loan Calculator Pro" feature, delivering insights in the "Interest Calculation Methods Guide", and providing useful conversions in the "Interest Rate Converter" feature.
   • Communication: We use your contact information to respond to your inquiries, provide customer support, and send you important notifications. This can include sending you technical notices, updates, security alerts, support and administrative messages, and responding to your comments, questions, and requests related to our services.
   • Analytics and Improvement: We may use your usage data to understand how our users interact with the App. This helps us understand our users' interests, improve our services, and develop new features.
   • Protection: We use your Personal Data to protect the rights and property of the App, our users, and the public. This includes enforcing our terms and agreements, ensuring the security of our services, and preventing abuse and fraud.
3. Sharing and Disclosure of Personal Data 3.1. We respect your privacy and we will not share or disclose your Personal Data with third parties except in the following circumstances:
   • With your consent: We may share your Personal Data with third parties when we have your explicit consent to do so.
   • Third-Party Service Providers: We may employ other companies and individuals to facilitate our service ("Service Providers"), provide the service on our behalf, perform App-related services or assist us in analyzing how our App is used. For example, our App uses third-party advertising service providers to serve ads, including Google Admob, Applovin Max, Liftoff, etc. These service providers may use cookies and other technologies to collect information about your use of our App and other websites and apps, including your IP address, device ID, pages viewed, and links clicked. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
   • Legal Compliance: We may disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).
   • Business Transfers: If we or our subsidiaries are involved in a merger, acquisition or asset sale, your Personal Data may be transferred. 3.2. In-App Purchases and Upgrades: We have introduced in-app purchase options for upgraded features such as the 'Rate Change Simulator' and 'Prepayment Analyzer.' Any personal data collected during the purchase process is handled through the iOS App Store and is subject to their privacy policies. We do not store or process payment information directly but may collect data regarding your purchase history for the purpose of providing support and managing your account.
4. Data Security Your data security is important to us. We use a variety of technical and organizational security measures, including encryption and authentication tools, to maintain the safety of your Personal Data.
   • Secure Socket Layer (SSL) technology: Our App uses SSL technology to encrypt important information during transit. This technology is designed to protect your information.
   • Access Control: We limit access to your Personal Data to those employees and contractors who need access to perform their job function, such as our customer service personnel.
   • Anonymization: We may anonymize your Personal Data so that it can no longer be associated with you for research or statistical purposes. Please note, however, no system is ever completely secure, and we cannot guarantee the absolute security of your Personal Data. We are not responsible for the security of information you transmit to the App over networks that we do not control, including the Internet and wireless networks.
5. Children’s Privacy Our App is not intended for users under the age of 13. We do not knowingly collect Personal Data from children under 13. If we become aware that a child under 13 has provided us with Personal Data, we will take steps to delete such information.
6. Changes to this Privacy Policy We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last Updated" date and will be effective as soon as it is accessible. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.
7. Disclaimer While we aim to provide a comprehensive and user-friendly tool to understand loan interest calculations and comparisons, we want to clarify the following:
   • We do not provide loan products: The App, including its "Interest Calculation Methods Guide", "Loan Calculator Pro", and "Interest Rate Converter" features, is designed to assist you in understanding common loan interest calculation methods, concepts, pros and cons, and to help you make informed decisions. However, we do not offer or endorse any specific loan products, and we are not a lender, loan broker, or agent for any lender or loan broker.
   • Information Accuracy: While we strive to provide accurate information, we cannot guarantee the accuracy or completeness of any information provided in the App or that such information will always be up-to-date.
   • Decision Making: Any decisions you make based on the information provided in the App are of your own responsibility. We are not liable for any loss or damage incurred as a result of such decisions.
8. How to Contact Us If you have any questions or comments about this Privacy Policy, you can contact us at: realmanual@outlook.com