LOANPREP PRIVACY POLICY

Your Privacy Matters

LoanPrep ("the App", "we", "us") is committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our iOS application.

Key Principles

• Your personal data stays on your device
• No cloud storage of personal information
• Transparent about advertising and data collection
• Full control over your data
• Compliant with global privacy regulations

Information We Collect

LoanPrep is designed to operate locally on your device. We collect and process only the information necessary to provide our services:

Assessment Information (Stored Locally)

• Loan amount and purpose
• Monthly income
• Employment status and duration
• Credit history category
• Existing debts
• Collateral type and value (if provided)

App Usage Data (Stored Locally)

• Points balance and transaction history
• Daily check-in streaks
• Rewarded video watch history
• Checklist items and progress
• Assessment results and history
• App preferences (theme, currency, notifications)

Purchase Information

• Product purchased (single report or package)
• Number of reports included and used
• Apple transaction ID and product ID
• Purchase date

Advertising Data (Collected by Third Parties)

• Advertising identifier (IDFA) - only with your consent
• Device information (device type, OS version)
• Ad interaction data (impressions, clicks, video completion)
• Coarse location (country/region level)

How We Use Your Information

All personal data processing happens locally on your device. We use your information to:

Provide Core Features

• Generate loan preparation assessment reports using automated analysis
• Create preparation checklists based on your inputs
• Track your progress and activities
• Manage points and daily check-in features
• Process rewarded video completions for points
• Store your preferences and settings

Fulfill Purchases

• Track available report credits
• Maintain purchase history locally
• Verify entitlements for paid features

Display Advertisements

• Show banner advertisements within the App
• Display rewarded video advertisements (user-initiated)
• Show app open advertisements when returning to the App

Data Storage & Security

Local Storage

All your data is stored locally on your device using iOS secure storage mechanisms (UserDefaults and local JSON files). Your data never leaves your device except as described below for purchases.

iCloud Backup

If you have iCloud Backup enabled, your iOS device may automatically backup LoanPrep data as part of your device backup. You can manage this in your iOS Settings → [Your Name] → iCloud → Manage Storage.

Security Measures

• We use iOS platform security features
• Data is protected by your device security (passcode, Face ID, Touch ID)
• No cloud servers storing your personal information
• Regular security reviews and updates

Data Sharing & Transfers

We share data only as described below:

Google AdMob (Advertising Partner)

We use Google AdMob to display advertisements. AdMob may collect:

• Advertising identifier (IDFA) - with your consent
• Device information for ad targeting
• Ad interaction data (views, clicks, video completions)
• Coarse location data (country/region)

See Google's Privacy Policy: policies.google.com/privacy

Apple In-App Purchases

When you purchase reports through the App Store, Apple processes the payment and provides us with limited transaction information (transaction ID, product ID) necessary to verify your purchase.

SKAdNetwork

We participate in Apple's SKAdNetwork for privacy-preserving ad attribution.

International Transfers

Advertising-related data may be processed by Google's servers outside your country with appropriate safeguards.

Your Privacy Rights

You have full control over your data. Depending on your location, you may have legal rights including:

Access & Control

• Access: View all your data within the app (Profile, History sections)
• Delete: Remove all data instantly via Profile → Data Management → Delete All Data
• Export: Contact us for data export assistance
• Correct: Edit your information directly in the app

California Residents (CCPA)

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale (we don't sell your data)
• Right to non-discrimination

European Users (GDPR)

• Right to access your personal data
• Right to rectification
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

Children's Privacy

LoanPrep is not directed to children under 13 years of age (or the minimum age in your jurisdiction, such as 16 in the EEA).

Our Commitment

• We do not knowingly collect personal information from children
• We do not market to children
• The app is designed for adult users preparing for loans

Parental Notice

If you are a parent or guardian and believe your child has provided us with personal information, please use the in-app Delete All Data feature and contact us immediately at ByteDanceDev@outlook.com.

Advertising & Tracking

LoanPrep includes advertising features powered by Google AdMob.

Types of Advertisements

• Banner Ads: Displayed at designated areas
• Rewarded Video Ads: Optional videos to earn points
• App Open Ads: May appear when returning to the App

App Tracking Transparency (iOS 14+)

On first launch, the App requests permission to track activity across apps. This helps deliver personalized ads.

• Allow tracking: Personalized ads based on interests
• Ask App Not to Track: Non-personalized ads only

Change setting: iOS Settings → Privacy → Tracking → LoanPrep

Rewarded Video Ads

• Entirely optional and user-initiated
• Earn 30 points per completed video
• Maximum 10 videos per day
• 30-second cooldown between videos

App Store Privacy Labels

In compliance with Apple's App Store privacy requirements:

Data Used to Track You

• Identifiers (Advertising ID) - Only with your consent via ATT

Data Linked to You

• Purchases (Product IDs, Transaction IDs, Purchase history)

Data Not Linked to You

• Financial Info (User-provided loan details, income, debts)
• Usage Data (Points history, feature usage, stored locally)
• Identifiers (Locally generated IDs for assessments)

Third-Party Advertising

Google AdMob may collect device identifiers, approximate location, and ad interaction data as described in their privacy policy.

Legal Basis (GDPR)

For users in the European Economic Area, United Kingdom, and Switzerland, our processing is based on:

Consent

• When you voluntarily enter information into the app
• For optional features you choose to use
• For advertising tracking (via App Tracking Transparency)
• For receiving notifications
• You may withdraw consent by deleting data or changing permissions

Contract Performance

• To fulfill in-app purchases you make
• To provide assessment reports you paid for
• To deliver services you requested
• To award points for rewarded video completions

Legitimate Interests

• Operating and improving the app
• Displaying non-personalized advertisements
• Securing the app and preventing fraud
• Understanding feature usage (locally only)
• Providing customer support

You have the right to object to processing based on legitimate interests.

Regional Privacy Notices

Depending on your location, additional privacy rights and protections may apply:

For California Residents (CCPA/CPRA)

In addition to the rights described above, California residents have:

• The right to know what personal information is collected, used, shared, or sold
• The right to request disclosure of the categories and specific pieces of personal information collected
• The right to request deletion of personal information
• The right to opt-out of the sale or sharing of personal information
• The right to non-discrimination for exercising privacy rights
• We do not sell or share your personal information for cross-context behavioral advertising

To exercise these rights, use the in-app Delete All Data feature or contact us at ByteDanceDev@outlook. com.

For European Users (GDPR)

We process your data based on consent and contract performance. You have the right to:

• Access your personal data and receive a copy
• Rectify inaccurate personal data
• Erase your personal data ("right to be forgotten")
• Restrict or object to processing
• Data portability
• Withdraw consent at any time
• Lodge a complaint with your local data protection authority

For UK Users (UK GDPR)

You have the same rights as European users under UK GDPR. You may lodge complaints with the Information Commissioner's Office (ICO) at ico.org.uk.

For Brazilian Users (LGPD)

Under the Lei Geral de Proteção de Dados, you have rights similar to GDPR including access, correction, deletion, and data portability.

For Users in Other Jurisdictions

Your local privacy laws may grant you additional rights. We are committed to complying with applicable data protection laws in your jurisdiction. Contact us if you have questions about your specific rights.

Third-Party Links

LoanPrep may contain links to external websites or resources for:

• Educational content about loans
• Support documentation
• Financial institution information

Changes to This Policy

We may update this Privacy Policy periodically to reflect:

• Changes in app features
• Legal or regulatory requirements
• Best practices in privacy protection

How We Notify You

• Material changes will be highlighted in the app
• Effective date will be updated
• Continued use constitutes acceptance

Your Options

If you disagree with changes, you may stop using the app and delete your data.