Privacy Policy & Data Deletion
Core Privacy Principle: Loan & Invest does not collect, sell, monitor, or transmit your financial calculations, saved plans, or identity. Everything is computed and stored 100% locally on your device.
1. Overview & Introduction
This Privacy Policy governs the Loan & Invest mobile application (package: com.orbittechlab.loaninvest) and its official website (https://loaninvest.orbittechlab.com), designed and maintained by Orbit Tech Lab ("we", "us", or "our").
We believe financial planning tools should be personal and completely confidential. This policy explains what information is processed when you use Loan & Invest, how it is retained, and how you have complete control over your data.
2. Information We Process
Loan & Invest does not require account creation, registration, or login. We process the following categories of data strictly on-device:
- Financial Calculations & Inputs: Loan principal amounts, interest rates, loan tenure, monthly savings targets, and comparison offer parameters. These values are saved to your phone's internal storage (AsyncStorage) solely so you can review them in the "Saved" tab.
- User Preferences: Display preferences such as chosen currency (e.g., PKR, USD, EUR, GBP, AED), number formatting, visual theme (Light, Dark, System), and an optional display name used solely for personalized in-app greetings.
No Remote Transmission: None of this information is ever uploaded to Orbit Tech Lab servers or any third-party cloud infrastructure.
3. Third-Party Services & SDKs
Loan & Invest does not integrate third-party advertising networks, analytics tracking tools, crash-reporting SDKs, or behavioral profiling tools.
- No Ad Networks: We do not serve advertisements, use Google AdMob, or deploy cross-site tracking IDs.
- No Behavioral Trackers: We do not use Google Analytics, Firebase Analytics, Meta Pixel, or similar tracking libraries.
- System Sharing: When you choose to share a calculation or backup, the app uses standard Android system intent dialogs (such as the OS share sheet or storage access framework) to hand the file or text to the destination app you select.
4. Data Retention
All calculation records and settings are stored locally on your device for as long as you keep the app installed, or until you initiate data deletion. Orbit Tech Lab maintains zero server databases, zero remote backups, and zero user account logs.
5. Data Deletion Policy & Procedures
Data Deletion & Reset Request
You have full, permanent control over all data stored by Loan & Invest at all times.
Because Loan & Invest is an offline-first application without user accounts or central databases, you can delete and purge 100% of your data immediately using any of the following methods:
Method 1: Instant In-App Data Reset (Recommended)
- Open the Loan & Invest app on your device.
- Navigate to the Settings tab (gear icon in the bottom navigation bar).
- Scroll down to the Data Management section.
- Tap Delete / Reset All Data.
- Confirm the prompt. All saved calculations, custom interest rates, and preference settings are immediately wiped from your device's memory.
Method 2: Android System App Storage Clear
- Open Android Settings > Apps > Loan & Invest.
- Select Storage & cache.
- Tap Clear storage (or Clear data). All on-device databases and cached files are permanently erased.
Method 3: Uninstalling the Application
Uninstalling the application from your device automatically deletes the application's sandboxed local storage, removing all saved calculations and configuration files permanently.
Account Deletion Notice
Loan & Invest does not maintain user accounts. There are no usernames, passwords, email records, or cloud accounts stored on remote servers to delete. Once local storage is cleared, no trace of your usage remains anywhere.
Assistance & Support Inquiries
If you have questions regarding data deletion or privacy practices, you can contact our privacy officer directly at:
Email: support@orbittechlab.com (Subject: Data Deletion Request - Loan & Invest).
We acknowledge all privacy inquiries within 24–48 business hours.
6. Children's Privacy
Loan & Invest is a general financial utility intended for individuals aged 13 and older. We do not knowingly collect personal identifiable information from children under 13.
7. Security Practices
We employ Android's built-in sandbox architecture to isolate application data. android:allowBackup is disabled to prevent unauthorized extraction of saved financial plans through external debugging bridges. External links (such as support emails or documentation) strictly mandate HTTPS encryption.
8. Changes to This Policy
We may update this Privacy Policy from time to time. Any modifications will be posted to this public URL (https://loaninvest.orbittechlab.com/privacy.html) with an updated revision date.
9. Contact Us
For questions, feedback, or inquiries regarding this Privacy Policy:
Developer: Orbit Tech Lab
Application: Loan & Invest
Support Email: support@orbittechlab.com
Website: https://loaninvest.orbittechlab.com