Privacy Policy

Effective date:

This policy explains what Loanly does with your information. It is written to be read, not to be survived: if a section is missing below, it is because that kind of data is not involved at all.

Who we are

Loanly is developed and published by BEK Service Ltd, a private limited company registered in England and Wales. BEK Service Ltd is responsible for the app and is the controller of any personal data described in this policy.

What we collect

Loanly does not ask you to create an account, and it does not collect, store or transmit personal information to us. Anything you enter stays on your device.

Analytics and crash reports

Loanly uses Google Firebase Analytics and Crashlytics to understand, in aggregate, which features are used and to find the cause of crashes. These services receive an app-instance identifier, device and app version information and usage events. They are not used for advertising: the app never gives Firebase permission to store advertising data, to share user data for advertising or to personalise ads. Analytics runs in Google's consent mode. Its storage is denied by default, and the app switches it on only when the consent flow described under Advertising allows it; where the law requires consent, that means only if you agree. Crash reporting is not part of that choice.

Advertising

Loanly is free and shows advertisements supplied by Google AdMob, on Android and on iPhone and iPad. To serve and measure those ads, Google may process device information such as a device advertising identifier, general location inferred from an IP address, and basic interaction data. This processing is carried out by Google, not by us, under Google's own privacy policy. The loan figures you enter and the scenarios you save are never sent to Google or to any advertiser; they stay on your device. Consent: each time Loanly starts it asks Google's User Messaging Platform (UMP) whether a consent message is needed, and where one is needed it is shown before any ad is requested. Google shows that message in the European Economic Area, the United Kingdom and Switzerland, and in US states whose privacy laws call for it. Where Google requires it, Settings has a Privacy choices entry that reopens the message so you can change your answer at any time. If you buy Remove ads, the app stops requesting ads and no longer shows the consent message.

iPhone and iPad (version 1.2 and later): after the consent message, Loanly shows Apple's App Tracking Transparency prompt. If you allow tracking, and, where the consent message applies, you also chose personalised ads, ads may be personalised using the device's advertising identifier. If you decline either one, ads are non-personalised. Declining does not remove the ads, and the app works the same whichever you choose. You can change your answer at any time in iOS Settings under Privacy & Security, Tracking. Android: Loanly currently requests only non-personalised ads, whatever you choose in the consent message. Those ads are not selected using a profile of your past behaviour, and the app does not use the advertising identifier to personalise them. Google may still use device identifiers for limited purposes such as limiting how often an ad is shown, preventing fraud and measuring ads. You can reset or delete your advertising ID in Android settings. If this changes, this page will be updated.

Purchases

Loanly offers one in-app purchase, Remove ads. It is a one-time payment, not a subscription, and it switches the ads off for your store account. Payment is handled entirely by Apple or Google; we never see or store your payment details. The app receives only the store's confirmation that the purchase is valid, and it keeps that confirmation on your device so the ads stay off. You can restore the purchase on a new device from Settings with Restore purchases (on Android the app also checks for it automatically when it starts). The purchase does not change analytics or crash reporting.

Keeping your data safe

Data that stays on your device is protected by your device's own security. Where the app does communicate over the network, it does so over an encrypted connection.

Your rights

Under the UK GDPR and similar laws you have the right to access, correct, or delete personal data held about you, to object to its processing, and to withdraw consent you have given. You can withdraw or change your advertising and analytics choices at any time from Settings, Privacy choices (where it is shown), and, on iPhone and iPad, in iOS Settings under Privacy & Security, Tracking. We hold no account for you; the analytics and crash reports described above are identified only by a random app-instance identifier. Contact us and we will answer.

Changes to this policy

If this policy changes, the updated version appears on this page with a new effective date.

Contact

Questions about this policy or your data: [email protected]