Privacy Policy

1. Introduction

AlagangPera is a loan calculator app for Philippine users. This policy explains how we collect, use, store, and protect your data, complying with App Store guidelines and Philippine regulations to ensure transparency and security.

2. Information We Collect

2.1 Account Identification

● Mobile Number: Collected during login (formatted +63) for OTP verification, serving as your primary account identifier (as shown in login screens).

2.2 Loan Calculation Inputs

● Loan Details: Information you enter, including:

  • Loan type (personal, auto, housing, salary) selected from calculator menus.
  • Principal amount (PHP) in the "Loan Amount" field.
  • Repayment term (months) from the term selector.
  • Annual interest rate (%) in the "Interest" field.
  • Down payment (if applicable) for auto/housing loans in designated fields.

2.3 Calculation Results

● Generated Outputs: Results displayed after calculation, such as:

  • Monthly repayments ("Monthly Payment" on results screens).
  • Total interest ("Total Interest" in summaries).
  • Total repayment amount ("Total Due" in final results).

2.4 Calculation History

● Saved Records: Log of past calculations accessible via "History" tab, allowing review without re-entry.

2.5 Technical Data

● App/Device Info: App version (in settings) and device type, collected to ensure functionality.

3. How We Use Your Information

3.1 Security

● OTP Verification: Mobile number used to send OTPs during login/account changes, preventing unauthorized access.

3.2 Loan Services

● Accurate Calculations: Input data generates precise results using Philippine financial formulas, aiding informed decisions.

● History Access: Saved records enable quick comparison of past loan scenarios.

3.3 App Improvement

● User Experience: Usage patterns (e.g., frequent loan types) help optimize features for Philippine users.

4. Data Security

4.1 Protective Measures

● Encryption: All data (numbers, calculations) encrypted via TLS during transmission.

● Secure Storage: Data stored on Philippine-compliant servers with restricted access.

4.2 Access Controls

● Limited Authorization: Only development/support teams (with valid needs) access data, bound by confidentiality.

● Quarterly Audits: Security checks identify and fix vulnerabilities.

5. Data Sharing

5.1 Internal

● Necessary Teams: Data accessed by staff involved in app development, maintenance, or support for job duties.

5.2 Third Parties

We do not share data except:

  • Legal Compliance: When required by Philippine law (e.g., BSP requests, court orders).
  • With Consent: If you agree to share calculations with trusted lenders (e.g., banks) for applications, with clear disclosure.

6. Your Rights

6.1 Access & Correction

● View Data: Access account info, history via "Profile" or "Settings".

● Edit Information: Update phone number (OTP-verified) or calculation inputs via app tools.

6.2 Account Deletion

● Request Removal: Delete account/data via "Settings > Delete Account". Data erased within 30 days (unless legally retained).

6.3 Complaints

● Report Issues: Contact AlagangPera@outlook.com or in-app "Contact Us". Response within 10 business days.

7. Data Retention

● Mobile Numbers: Stored while account active; deleted 30 days post-closure.

● Calculation History: Retained 12 months from last use (deletable manually).

● Technical Data: Kept 6 months, then anonymized.

8. Policy Updates

Revisions for regulations/updates are notified via in-app alerts (settings/profile) and App Store notes. 7-day review period provided. Continued use implies acceptance.

9. Contact

For questions:

  • Email: AlagangPera@outlook.com
  • In-app: "Help > Privacy Questions"

Response within 3 business days.

By using AlagangPera, you agree to this policy.

Thank you for choosing AlagangPera.