Loan Wise is a local-first utility. All financial calculations and data inputs are processed strictly on your mobile device.

• Local Processing Only: All loan calculations (interest rates, monthly payments, and amortization schedules) are performed locally by the app’s engine on your phone.
• No Cloud Transmission: None of your financial figures, loan amounts, or results are transmitted, uploaded, or backed up to our servers or any third-party cloud services.
• No Account Required: You can access all features of Loan Wise without creating an account or providing an email address.
• User-Controlled Storage: If you choose to save a calculation within the app, that data stays in your device's secure local storage and nowhere else.

To provide a seamless experience, Loan Wise may request the following permissions:

• Storage/Files: Only if you choose to export your loan schedule as a PDF or Excel report.
• Notifications: To send optional reminders about payment dates you have set.

Loan Wise may use third-party tools (such as Google AdMob) to serve advertisements. These services may collect technical device identifiers (like your IP address or advertising ID) to serve relevant ads, but they do not have access to any financial data you input into the calculator.

If you have questions about our "Local-Only" privacy approach, please contact us at:
info@ultraappsworld.com