Privacy Policy for LoanTracker

Last Updated: January 15, 2026

Overview

LoanTracker ("the App") is committed to protecting your privacy. This Privacy Policy explains how we handle your data when you use our application.

Data Collection and Storage

What We Collect

LoanTracker collects and stores the following information locally on your device only:

• Loan records: Amount, date, currency, notes, and repayment history
• Contact information: Names, phone numbers, and email addresses you manually enter or import
• Device contacts (optional): When you choose to import contacts from your device
• App settings: Theme preferences, notification settings, currency preferences, and filter selections

Where Your Data is Stored

All data is stored exclusively on your device using local storage (Hive database). We do not have access to your data.

Data We Do NOT Collect

• We do NOT collect personal information beyond what you enter
• We do NOT track your location
• We do NOT collect device identifiers for tracking
• We do NOT use analytics or tracking services
• We do NOT serve personalized advertisements
• We do NOT share your data with third parties

Permissions

Why We Request Permissions

The App requests the following permissions:

1. Contacts Permission (Optional)
   • Purpose: To import contacts from your device for easier loan tracking
   • When: Only when you tap "Import Device Contacts" in Settings
   • Control: You can deny this permission and manually add contacts instead
2. Notifications Permission (Optional)
   • Purpose: To send local reminders about upcoming loan due dates
   • When: Only when you enable notifications in Settings
   • Control: Can be disabled at any time in Settings
3. Storage Permission
   • Purpose: To store loan data locally and export CSV files
   • When: Automatically on first launch
   • Control: Required for the app to function

How Permissions Are Used

• Contacts: Read-only access to import names, phone numbers, and email addresses. We never modify your device contacts.
• Notifications: Used only to schedule local reminders on your device. No data is sent externally.
• Storage: Used exclusively for local data storage and CSV export to your device.

Data Sharing

LoanTracker does NOT share your data with:

• Third-party services
• Advertisers
• Analytics companies
• Social media platforms
• Any other external parties

Exception: If you enable Firebase Cloud Backup, your data is stored on Firebase Firestore (Google Cloud) for backup purposes only. Firebase's privacy policy applies to this data: https://firebase.google.com/support/privacy

Data Security

• All local data is stored securely on your device
• Optional Firebase backups are encrypted in transit (HTTPS) and at rest
• No passwords or sensitive authentication data is stored
• Anonymous authentication is used for Firebase (no personal identifiers)

Your Rights and Control

You have complete control over your data:

1. Access: All your data is visible within the app
2. Edit: You can modify or delete any loan or contact at any time
3. Export: You can export your data to CSV format from the app
4. Delete: You can delete individual records or uninstall the app to remove all data
5. Backup Control: You can enable/disable cloud backup at any time in Settings

Children's Privacy

LoanTracker does not knowingly collect information from children under 13. The app is designed for general audiences who lend or borrow money. Parents should supervise their children's use of the app if applicable.

Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be reflected in the "Last Updated" date at the top of this document. Continued use of the app after changes constitutes acceptance of the updated policy.

Data Deletion

To delete all your data:

1. Local Data: Go to Settings → Delete all loans and contacts, or uninstall the app
2. Cloud Backup: Uninstall the app. Your Firebase data will expire after inactivity (subject to Firebase retention policies)

Third-Party Services

LoanTracker uses the following third-party services:

Firebase (Optional - Only if Cloud Backup is enabled)

• Service: Google Firebase Firestore and Firebase Authentication
• Purpose: Cloud backup of loan and contact data
• Data Collected: Anonymous user ID, loan records, contact records, backup timestamps
• Privacy Policy: https://firebase.google.com/support/privacy

Flutter Framework

• Service: Google Flutter SDK
• Purpose: App development framework
• Data Collected: None (runtime framework only)
• Privacy Policy: https://flutter.dev/privacy

Contact Us

LoanTracker is developed by BPA Consultancy. If you have questions about this Privacy Policy or data handling, please contact:

Email: support@bpaconsultancy.com

Compliance

This app complies with:

• General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA)
• Google Play Store policies
• Apple App Store guidelines

Your Consent

By using LoanTracker, you consent to this Privacy Policy.