Privacy Policy for PINJOL PASTIACC Tracker

 

Privacy Policy for PINJOL PASTIACC Tracker

Effective Date: October 17, 2026
Last Updated: October 17, 2026

This Privacy Policy explains how PINJOL PASTIACC Tracker (“the App,” “we,” “our,” or “us”), developed by Assalamualaikum, accesses, stores, uses, processes, and protects information when you install and use our mobile application.

We value your privacy and are committed to transparency. This App is designed as a personal financial utility and tracking tool that operates with an offline-first and privacy-focused architecture.

Important Disclaimer: Non-Lending Service

PINJOL PASTIACC Tracker is NOT a lender, financial institution, broker, or loan provider.

  • The App does not disburse funds, issue cash loans, process transactions, or provide credit services in any form.
  • The App is strictly an educational financial calculator and personal installment record-keeping tool.
  • All calculations, simulation results, and analysis generated within the App are for informational and planning purposes only.

1. Developer Identity & Contact Information

  • Developer Name: Assalamualaikum
  • Application Name: PINJOL PASTIACC Tracker
  • Package Name: com.pinjol.pasti.caiir.tracker
  • Contact Email: waalaikumsalambet@gmail.com

If you have any questions, inquiries, feedback, or privacy-related requests, please reach out to us at the contact email provided above.

2. Scope of This Privacy Policy

This Privacy Policy applies solely to the Android application PINJOL PASTIACC Tracker available on Google Play.

It does not apply to third-party services, websites, or SDKs integrated into the App, such as Google AdMob. These third parties process data under their own independent terms of service and privacy policies.

3. Summary of How This App Handles Data

  • No Account Required: You can use all features without creating an account or providing personal credentials.
  • 100% Local On-Device Storage: All loan notes, due date reminders, and simulation histories are stored strictly on your local device storage. We do not operate external database servers to collect or harvest your financial figures.
  • No Sensitive Personal Data Collection: We do not request, access, or store your national ID (KTP/NIK), bank credentials, credit card details, contacts, SMS messages, camera, or gallery media.
  • Third-Party Advertising: The App uses Google AdMob to deliver advertisements. Google AdMob may collect standard device identifiers, IP addresses, and app interaction diagnostics to serve and measure ads.

4. Information We Access, Process, and Store

A. User-Entered Financial Records (Local Only)

When using the App’s calculation and tracking tools, you may voluntarily input:

  • Loan or installment titles and descriptions.
  • Principal loan amounts and remaining balances.
  • Interest rates and loan tenors.
  • Scheduled due dates and payment statuses.
  • Simulation parameters and financial comparison notes.

Storage & Transfer: All of the above records are stored locally in an on-device SQLite/Room database (pinjol_pasticaiir_tracker_database). This information is never transmitted to, synced with, or stored on our servers.

B. App Preferences & Settings (Local Only)

The App saves your user preferences on your device using Android Jetpack DataStore:

  • Dark theme or light theme preference.
  • Notification reminder toggles.
  • Onboarding completion status.

C. Device Permissions

  • POST_NOTIFICATIONS (Android 13+ / API 33+): Used exclusively to dispatch local notification reminders before upcoming due dates that you have saved in your notes. Reminder checks are executed locally on your device via Android WorkManager. No due-date data is transmitted externally to trigger notifications.

D. Third-Party Advertising Data (Google AdMob)

The App integrates the Google Mobile Ads SDK (Google AdMob) to display banner, interstitial, and native ads.

According to Google’s official privacy and data collection disclosures, Google AdMob and its advertising partners may automatically collect and process certain technical data from your device, including:

  • Mobile Advertising ID (Google Advertising ID / GAID).
  • IP address, used for general geolocation and fraud detection.
  • Device model, operating system version, carrier, and screen dimensions.
  • App interaction events, ad impressions, and ad click interactions.
  • Diagnostic, performance, and crash analytics data.

Depending on your device settings, region, and consent choices, ads may be personalized or non-personalized. Non-personalized ads continue to use device identifiers for frequency capping, aggregated reporting, and fraud prevention.

5. How We Use the Information

We process information strictly for the following purposes:

  1. To calculate loan installments, interest rates, total repayments, and early payoff schedules.
  2. To organize, display, and manage your saved loan records and simulation history.
  3. To trigger timely local payment reminders for upcoming due dates.
  4. To retain your preferred UI theme and application configurations.
  5. To serve advertisements and support continuous maintenance and development via Google AdMob.

We do not use your locally entered financial notes to build advertising profiles, credit scores, or user-tracking databases.

6. Information Sharing and Disclosure

A. No Sale or Rental of Personal Data

We do not sell, rent, trade, or monetize your personal or financial data to any third parties.

B. Third-Party Service Providers

Data shared in connection with advertising is processed directly by Google AdMob in accordance with Google’s Privacy Policy. For detailed information on how Google handles advertising data, please review:

C. Legal Requirements

We may disclose information if required to do so by applicable laws, legal processes, litigation, or governmental authorities.

7. Data Retention, Management, and Deletion

  • Self-Service Deletion: You can delete individual loan notes or simulation records directly within the App at any time.
  • Bulk Clear Data: In the App’s Settings > Data, you can tap “Hapus Semua Riwayat & Catatan” to immediately erase all saved notes and simulation records from your device database.
  • Uninstall / Clear Storage: Clearing the App’s storage via Android Settings > Apps > PINJOL PASTIACC Tracker > Storage > Clear Data or uninstalling the App permanently removes all locally stored records and preferences.
  • Advertising Data: Data collected by Google AdMob is retained according to Google’s standard retention policies and privacy controls.

8. Data Security

We implement appropriate technical measures to protect your information:

  • Your financial logs and calculations remain on your device rather than on remote third-party databases.
  • The App disables automatic plain-text cloud backup (allowBackup="false").
  • Network transmissions initiated by integrated SDKs, such as Google AdMob, utilize modern TLS (HTTPS) encryption in transit.

9. Children’s Privacy

PINJOL PASTIACC Tracker is not directed to individuals under the age of 13, or the minimum legal age in your territory, nor do we knowingly collect personal information from children.

If you believe a child has provided information through the App, please contact us at waalaikumsalambet@gmail.com, and we will take appropriate corrective action.

10. User Rights and Controls

Depending on your jurisdiction, you may have specific privacy rights, including:

  • Revoking Permissions: You can revoke notification permissions at any time via Android system settings.
  • Opting Out of Personalized Ads: You can reset or delete your Advertising ID via Android Settings > Google > Ads or manage personalized ad preferences through your Google account.
  • Complete Data Erasure: You can purge all application records by using the in-app clear data button or uninstalling the application.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect enhancements, new features, or updated legal and platform obligations. Any modifications will be effective immediately upon posting the updated policy with a revised Last Updated date.

12. Contact Us

If you have any questions, suggestions, or concerns regarding this Privacy Policy or data practices, please contact:

Developer: Assalamualaikum
Email: waalaikumsalambet@gmail.com
Application: PINJOL PASTIACC Tracker

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