Privacy Policy for EMI & Loan Planner

1. Data Controller

Name: Acevedo Records Inc
Email: marshallpaulette990@gmail.com

The above party is responsible for determining the purposes and means of processing your personal data.

2. Data Retention

We retain your personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Usage data and analytics: retained for up to 24 months.
• Device and technical data: retained up to 12 months.
• User-generated content: retained until deleted or requested for deletion.

When personal data is no longer required, we securely delete or anonymize it.

3. Information We Collect

• Device Information: Device ID, model, OS version, IP address
• Precise Location: Only with user consent
• App Usage Data: Features used, crash logs
• Media and File Access: When using file recovery or scanning functions
• Advertising Identifiers: Google Advertising ID (with consent)
• Phone Number: Voluntarily provided, used only for support or verification, never sold.

⚠️ Sensitive data such as location or media access is collected only with your consent and solely to enable app functionality.

4. How We Use This Data

• To operate and improve the app
• To provide location-based or financial analysis features
• To display ads (non-personalized or with consent)
• To comply with legal obligations
• To verify identity or contact users for support

We do not use your phone number for marketing or advertising purposes.

5. Data Sharing and Disclosure

We do not sell personal data. Data may be shared only with:

• Trusted third-party providers (Google, Firebase, AdMob)
• Legal authorities if required by law
• Verified partners for identity verification or support only

Under CCPA, “share” includes cross-context behavioral advertising.

6. Your Privacy Rights

• Right to Access
• Right to Know
• Right to Correct
• Right to Delete
• Right to Opt-Out of targeted advertising, sale, or profiling

We will not discriminate against you for exercising your rights.

7. How to Opt Out

1. In-App Settings: Disable personalized ads or data sharing in “Privacy & Preferences.”
2. Android Settings: Settings > Google > Ads > Opt out of Ads Personalization.
3. Email: Send a request to marshallpaulette990@gmail.com with subject “Opt-Out Request.”
4. Google Ads: adssettings.google.com

8. Data Security

We use administrative and technical safeguards to protect your data, but no system is 100% secure.

9. Children’s Privacy

This app is not intended for children under 13. We do not knowingly collect their data.

10. CCPA (California)

California users may request access, deletion, or opt out of sharing/selling data by emailing: marshallpaulette990@gmail.com

11. VCDPA (Virginia)

Virginia users can access, correct, delete, or appeal denied requests by contacting: marshallpaulette990@gmail.com

12. Changes to This Privacy Policy

We may update this policy periodically. All updates will be posted here with a new “Last Updated” date.

13. Data Protection Officer (DPO)

DPO:Acevedo Records Inc
Email:marshallpaulette990@gmail.com

14. Right to Opt Out of Sale or Sharing

You can opt out by in-app settings or emailing marshallpaulette990@gmail.com with subject “Do Not Sell or Share My Personal Information.”

15. Accessibility Service Usage

The Accessibility Service permission is used solely to enable a custom gesture (swipe down to open Control Panel). No personal data is read or stored.

16. QUERY_ALL_PACKAGES Permission

This permission allows the app to show a list of installed apps within the Control Panel. No data is collected or shared externally.

17. Phone Number Collection and Use

We may collect your phone number for verification, support, or app functionality. It is not shared with advertisers or sold. You can request deletion at any time by emailing marshallpaulette990@gmail.com.