Privacy Policy
This policy explains what information the Android app Easy Loan App Malaysia
(package com.loans.easyloanappmalaysia) handles. The app is published by its developer
("we", "us"). It is a guide and a set of calculators about the cost of personal loans in Malaysia.
1. The short version
There is no account, no login and no server of our own. Everything you enter into the calculators stays in the app's memory while you use it, and your checklist ticks and settings are stored only on your device. The one exception is advertising: the app shows ads through Google AdMob, and Google's Mobile Ads SDK uses your device's advertising ID to do so.
2. Information we do not collect
- Name, email address, phone number or postal address
- MyKad / NRIC or passport numbers
- Salary, payslips, EPF statements, bank statements or any financial account details
- Passwords, PINs or one-time passwords
- Contacts, SMS, call logs, photos, files, camera, microphone or precise location
3. Information stored on your device only
| What | Why |
|---|---|
| Theme choice and whether you have seen the welcome screens | App settings |
| Ticks in the preparation checklist | So your progress survives closing the app |
| A launch counter and any ad-free time you earned | To pace how often ads appear |
| A cached copy of the ad configuration file | So ad settings work without waiting for the network |
This data never leaves your device. You can clear the checklist in Settings, and uninstalling the app removes everything.
4. Advertising (Google AdMob)
The app is free and funded by ads from Google AdMob. To serve and measure ads and to limit how often you see the same one, the Google Mobile Ads SDK may collect and share with Google:
- Your device's advertising ID (Android Advertising ID)
- Device information such as model, operating system version and language
- Approximate location derived from your IP address (country or region)
- Ad interactions, such as impressions and clicks, and crash diagnostics of the SDK
This data is collected and processed by Google, not by us; we do not receive it and cannot link it to you. See how Google uses it: Google Privacy & Terms.
Your choices
- Where consent is required, Google's User Messaging Platform asks for it before any ad is requested. You can review or withdraw your choice at any time from Settings → Privacy choices in the app.
- You can reset or delete your advertising ID, or opt out of ad personalisation, in your phone's settings under Google → Ads (or Privacy → Ads).
5. Network requests
- Ad configuration — a small settings file fetched over HTTPS so ads can be adjusted without an update. It contains nothing about you.
- Ad serving — requests made by the Google Mobile Ads SDK, described above.
- This page — opened in your browser when you tap Privacy Policy in the app.
All traffic uses HTTPS; unencrypted traffic is disabled in the app.
6. Children
The app is intended for adults aged 18 and over and is not directed at children under 13. We do not knowingly collect information from children.
7. Retention, deletion and your rights
Because no personal data reaches us, there is nothing for us to retain or delete on a server. Data on your device is removed when you clear it or uninstall the app. Data held by Google for advertising is managed through Google's own controls above. If you have a question about your rights under the Personal Data Protection Act 2010 or similar laws, contact us below.
8. About the figures in the app
Results are estimates for learning and planning. They are not a quotation or an offer from any lender and not financial advice; the terms in your own letter of offer and Product Disclosure Sheet always apply.
9. Changes
If this policy changes, the new version will be published at this address with a new effective date.
10. Contact
Questions about this policy: publish@dirjenapk.web.id