YOUR_SUPPORT_EMAIL below with the email address you want users and Google Play to use for privacy enquiries.
1. About Loan Sphere
Loan Sphere is a loan calculation and customer relationship management application designed to help users manage loan-related workflows, including EMI calculations, client leads, follow-ups, document checklists and loan quotations.
For privacy questions, contact: YOUR_SUPPORT_EMAIL.
2. Information We Collect
Account and identity information
When you create or use an account, we may collect information such as your full name, email address, mobile number, account identifier and authentication-related information.
Authentication information
Loan Sphere supports email/mobile and password authentication and Google Sign-In. Passwords are used for authentication and are not stored by the Android app on your device. When Google Sign-In is used, Google provides authentication information required to verify your identity.
CRM and loan workflow information
Information you enter while using the app may include client names, mobile numbers, alternate mobile numbers, email addresses, city, income profile, loan product, requested loan amount, lead priority, lead status, lead source, follow-up dates and times, and notes.
Checklist and quote information
The app may store checklist status information and loan quote information, such as loan amount, interest rate, tenure, EMI-related values, lender or scheme details, advisor details and quote status.
Technical information
We may process basic device and connection information needed for authentication, security, API communication, troubleshooting and service operation.
3. Information We Do Not Intentionally Collect Through the App
Loan Sphere does not provide a feature for uploading or storing client document files. Its document module is used to track checklist requirements and status rather than to store copies of documents.
The app does not intentionally request access to contacts, SMS messages, call logs, precise location, photos, microphone or camera for its core functionality unless a future feature clearly requests such permission and this policy is updated accordingly.
4. How We Use Information
- To create and maintain user accounts.
- To authenticate users and secure access to the app.
- To provide CRM lead management and follow-up functionality.
- To provide EMI calculations, checklists, loan quotations and related workflow features.
- To generate and share quotation PDFs when requested by the user.
- To maintain app security, prevent unauthorized access and troubleshoot technical issues.
- To respond to account deletion, support and privacy requests.
5. Data Storage and Security
Loan Sphere uses HTTPS for communication with its backend services. Cleartext network traffic is disabled in the Android application.
The app stores its authentication token locally in encrypted form. The encryption key is stored using Android Keystore. CRM leads, checklist records and saved quotations are treated as server-backed data rather than as authoritative device-only records.
No method of electronic transmission or storage is completely secure, but reasonable technical and organizational safeguards are used to protect information from unauthorized access, alteration, disclosure or destruction.
6. Sharing of Information
We do not sell personal data. Information may be processed by service providers that are necessary to operate the app, such as hosting/infrastructure providers and Google authentication services when Google Sign-In is used.
Information may also be disclosed when required by applicable law, legal process, regulatory obligation, or when reasonably necessary to protect users, the service or others from fraud, abuse or security threats.
7. Google Sign-In
If you choose Google Sign-In, authentication is performed using Google services. Google may process information in accordance with its own privacy policies. Loan Sphere receives only the information required to authenticate the account and establish a Loan Sphere session.
8. Data Retention
Information is retained for as long as reasonably necessary to provide the service, maintain account and transaction records, comply with legal or regulatory obligations, resolve disputes, enforce agreements, prevent fraud and protect the security of the service.
Where an account deletion request is approved, account and associated app data will be deleted or anonymized unless retention is required for legal, regulatory, security, fraud-prevention or legitimate record-keeping purposes.
9. Account and Data Deletion
You may request deletion of your Loan Sphere account and associated data using the public account deletion page:
Loan Sphere Account Deletion Request
Identity verification may be required before a deletion request is processed. Generated PDF files already saved or shared outside Loan Sphere may remain on the device or third-party service where they were saved or shared.
10. Your Choices and Rights
Subject to applicable law, you may request access to, correction of, or deletion of personal information associated with your account. You may also stop using the service and request account deletion at any time.
For privacy requests, contact YOUR_SUPPORT_EMAIL.
11. Children's Privacy
Loan Sphere is intended for users who are legally capable of using business and financial workflow tools. The service is not designed to knowingly collect personal information from children.
12. Changes to This Privacy Policy
We may update this Privacy Policy when the app, legal requirements or data practices change. The revised policy will be posted on this page with an updated effective date.
13. Contact
For privacy, account or data-related questions:
Loan Sphere
Email: YOUR_SUPPORT_EMAIL
This page is a practical policy template based on the current Loan Sphere application functionality. Have the final version reviewed for your legal entity, jurisdiction and actual operational practices before publication.