← Back to Home

Privacy Policy

Last Updated: April 16, 2026

At Bear Loan Calculator, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.

Information We Collect

Loan Calculation Data

We collect only the information necessary to provide our loan calculation services, including:

• Loan amounts and terms
• Interest rates and APR
• Repayment periods and schedules
• Property tax and insurance information (for mortgage calculations)
• Loan names and notes you create

Device Information

We may automatically collect certain information about your device, including:

• Device type and operating system
• App version and usage statistics
• Crash reports and performance data
• Language and region settings

How We Use Your Information

We use the information we collect to:

• Provide accurate loan calculations and amortization schedules
• Save your loan records for future reference
• Personalize your experience within the app
• Improve app functionality and develop new features
• Analyze app usage and performance
• Provide customer support and respond to inquiries
• Send important updates about the app (if you opt-in)

Data Storage and Security

Local Storage

Your loan calculation data is primarily stored locally on your device. This means your financial information stays under your control and is not automatically transmitted to our servers.

Security Measures

We implement industry-standard security measures to protect your information:

• Encryption of data transmission using SSL/TLS protocols
• Secure local storage with device-level encryption
• Regular security audits and updates
• Limited access to personal information

Third-Party Services

Analytics Services

We use Firebase Analytics to understand how users interact with our app. This helps us improve functionality and user experience. Firebase may collect:

• App usage patterns and feature interactions
• Device information and technical specifications
• Crash reports and error logs

Advertising

Our free version displays advertisements provided by third-party ad networks (AppLovin MAX, Google AdMob). These networks may collect:

• Device identifiers and IP addresses
• Ad interaction data (views, clicks)
• General location information (country/region)

This information is used to display relevant advertisements. You can opt-out of personalized advertising through your device settings.

Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information from our systems
• Opt-Out: Opt-out of personalized advertising through device settings
• Data Portability: Request a copy of your data in a portable format

Opt-Out of Personalized Advertising

iOS Devices:

Go to Settings → Privacy & Security → Tracking → Disable "Allow Apps to Request to Track"

Android Devices:

Go to Settings → Google → Ads → Opt out of Ads Personalization

Note: Opting out does not mean you will no longer see advertisements, but they may be less relevant to your interests.

Children's Privacy

Our app is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

Data Retention

We retain your information only for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy. You can delete your saved loan records at any time through the app.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy in the app
• Updating the "Last Updated" date
• Sending an in-app notification (for significant changes)

Your continued use of the app after changes are posted constitutes your acceptance of the updated Privacy Policy.

Contact Us

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

Email: service@bapps.uk
App: Bear Loan Calculator
Developer: Bear Apps

We will respond to your inquiry within 30 days.

Your Consent

By using Bear Loan Calculator, you consent to this Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our app.

← Back to Home