4-Way Loan Calculator, formerly LoanCalc+, is provided by JEMEJ Apps as an offline calculator for exploring fixed-rate loan scenarios. This policy explains how the app handles information. The app does not require an account, and JEMEJ Apps does not operate a server that receives your calculations or saved loans.
Information you provide
4-Way Loan Calculator processes the values you enter, including principal, regular payment, loan length, nominal annual interest rate, payment plan, optional start date, and names you assign to saved calculations. The app also stores the display preferences you choose and creates local identifiers and timestamps needed to maintain saved calculations. This information is stored in Android app-private storage on your device and is not sent to JEMEJ Apps.
Calculations and schedules
Loan estimates, amortization schedules, dates, totals, and saved-calculation operations are performed on your device. 4-Way Loan Calculator does not submit an application, obtain a credit report, access a bank account, connect you with a lender, determine eligibility or affordability, or provide personalized financial advice. Results are estimates based on the values and calculation conventions shown in the app. Actual lender terms, fees, rounding, servicing, and payment application can differ.
Device storage and backup
Saved calculations and preferences remain in Android app-private storage. 4-Way Loan Calculator disables Android cloud backup and device-to-device transfer for its app data. The current version has no cloud synchronization, export, or backup-and-restore feature. Deleting a saved calculation removes it from the app's local database. Clearing the app's storage or uninstalling the app removes its local data from that device.
Collection, sharing, advertising, and sale
4-Way Loan Calculator itself performs no network requests and does not send calculation inputs, results, schedules, saved-loan data, identifiers, diagnostics, or usage activity to JEMEJ Apps or another party. The app contains no advertising, behavioral analytics, tracking, or crash-reporting SDK and does not sell user data. It has no subscription or billing feature in the current version.
Privacy and support website
If you choose a privacy or support website link, Android opens that page in a separate browser or browser-capable app. The web host can process ordinary request and security information, such as IP address, requested page, date and time, and browser or device headers, in hosting logs. Those logs are separate from 4-Way Loan Calculator app data and are used for site delivery, security, and diagnostics, not advertising.
If you choose to email JEMEJ Apps, your email provider processes the message under its own terms. JEMEJ Apps receives the sender information and content you choose to send. 4-Way Loan Calculator does not automatically attach calculations, saved loans, logs, device information, or other app data.
Security
4-Way Loan Calculator relies on Android app isolation and keeps its data in app-private storage. The app does not transmit calculation or saved-loan data. No storage system can be guaranteed completely secure, so protect your device and its screen lock.
Retention and deletion
4-Way Loan Calculator retains saved calculations and preferences on your device until you delete them, clear the app's storage, or uninstall the app. JEMEJ Apps retains no copy of that local app data. Support correspondence you choose to send and ordinary website hosting logs are the exceptions described above; they may be retained as needed to operate, secure, and respond through those services. You may ask JEMEJ Apps to delete support correspondence we control by using the contact address below.
Children
4-Way Loan Calculator is not directed to children under 13, and JEMEJ Apps does not knowingly collect personal information from children.
Changes to this policy
This policy may be updated when 4-Way Loan Calculator's features or data practices change. The effective date will be updated, and material changes will be reflected in the app and this public page.
Contact
Questions or privacy requests may be sent to JEMEJ Apps at apps@jemej.com.