Privacy Policy
It cannot be used to apply for a loan. It is a guide with calculators. It cannot submit or process an application, disburse funds, check an application status, display a balance, take a payment or access any account, and it collects no applicant details of any kind.
The short version
This app has no account, no sign-in and no server of its own. It never asks for your name, your passport or visa details, your identification numbers, your income or your bank details. Every figure you type into a calculator is used on your device and is never transmitted anywhere.
One thing does leave your device, and it is not ours: the Google AdMob advertising SDK reads an advertising ID so it can serve and measure adverts. Everything else below is detail on that single point.
What is collected
| Data | Collected by | Why | Shared? |
|---|---|---|---|
| Advertising ID (Device or other IDs) | Google AdMob, inside this app | To serve adverts, cap how often you see the same one, and measure performance | Yes — with Google, for advertising |
| Crash and diagnostic information | Google Play, if you have opted into sharing it | So the developer can find and fix crashes | Yes — with Google |
| Approximate location, derived from IP address | Google AdMob | Advert relevance and regulatory compliance | Yes — with Google |
The developer of this app does not operate a server, does not receive any of the above, and has no ability to identify an individual user.
What never leaves your device
- Every number you enter into any calculator or the simulator — loan amounts, interest rates, fees, salaries, tuition and living costs. These are used to compute a result on screen and are not saved to any server.
- Your saved guide chapters and your checklist ticks.
- Your light or dark theme preference.
These are stored locally using Android's DataStore preferences. Uninstalling the app removes them.
What this app does not do
- It does not accept loan applications, and it cannot forward one to a lender.
- It does not collect applicant details: no name, no identification document, no visa or immigration document, no income evidence and no employment information.
- It does not request permission to read your contacts, SMS messages, call log, photos, media or precise location, and it never will. The only permissions it declares are internet access, network state and the advertising ID permission the ads SDK requires.
- It has no sign-in, no user profile and no analytics of its own.
- It contains no outward links other than this page.
Third parties
Advertising is provided by Google AdMob. Google's handling of the data described above is governed by its own privacy policy, published at policies.google.com/privacy. Details of how Google uses data from apps that use its services are published at policies.google.com/technologies/partner-sites.
The app also fetches a small configuration file from the developer's own domain each time it starts. That request carries no personal data — it exists only so advertising can be switched on or off without publishing an app update — although, like any web request, the server sees the originating IP address.
Your choices and consent
Where your region requires it, a consent form from Google's User Messaging Platform appears the first time you open the app, and your choice determines whether adverts are personalised. You can reopen that form and change or withdraw your consent at any time from Settings → Advertising → Change advertising consent inside the app.
You can also reset or delete your advertising ID at any time in your device settings, under Settings → Google → Ads.
Children
This app is not directed at children. It is intended for adults aged 18 and over who are planning or undertaking study abroad, and it does not knowingly collect information from anyone under 13.
Data retention and deletion
Because the developer holds no user data, there is nothing on our side to retain or delete. Data stored on your device is removed when you uninstall the app or clear its storage. Advertising data held by Google is subject to Google's own retention policies.
Accuracy of the information in the app
The rates, fees and repayment terms described in this app are drawn from a lender's publicly published material, and the government rules it summarises from official U.S. government websites, which are linked in the app's Google Play description. Both are reproduced as accurately as possible. They are provided for education and planning only. They are not financial advice, not an offer, and not a quotation, and published terms can change at any time. Only a lender can tell you what you would actually be offered, and applications are made only through a lender's own official channels.
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.
Contact
Questions about this policy can be sent to [email protected].