Last Updated: August 17, 2026
Introduction
Welcome to EMI and FOIR Calculator, a mobile application developed by PGRB Technology.
We respect your privacy and are committed to providing a safe and transparent experience while using our financial calculation tools. This Privacy Policy explains what information the app handles, how it is stored, and how third-party services may process certain information.
EMI and FOIR Calculator is designed as an offline-first financial calculator for calculating Equated Monthly Installments (EMI), Fixed Obligation to Income Ratio (FOIR), loan-related calculations, and related financial estimates.
1. Financial Data Privacy
No Collection of Financial Data
EMI and FOIR Calculator does not collect, upload, or transmit your financial calculation data to our servers.
Information that you enter into the app, including:
- Loan amount
- Interest rate
- Loan tenure
- Income details
- Existing obligations
- Loan profiles
- EMI calculations
- FOIR calculations
- Calculation history
is used only to provide the app’s calculation features.
Local Storage
The information you enter and save in the app is stored locally on your device using Android’s DataStore and internal app storage.
Your financial information is not uploaded to or stored on servers operated by PGRB Technology.
User Control
You have control over your locally stored information.
You can delete your saved calculation history using the “Clear History” option available in the app’s Settings menu.
You can also remove locally stored app data by clearing the app’s storage through your Android device settings or by uninstalling the application.
2. Permissions and Their Use
Internet Access
The app may require Internet access for limited purposes, including:
- Loading advertisements provided through Google AdMob
- Opening the app’s “Rate App” feature
- Accessing the “More Apps” feature
Internet access is not used by PGRB Technology to upload or store your financial calculation data on our servers.
Biometric / Fingerprint Authentication
If you choose to enable the App Lock feature, the app may use your device’s biometric authentication system.
The app does not access, collect, or store your actual fingerprint, face, or other biometric information.
Biometric authentication is handled by the Android operating system and the device’s secure authentication framework.
Storage and Media Access
If you choose to use the Export to PDF feature, the app may temporarily create a PDF report containing the information required for your requested calculation report.
The generated report is intended to be saved or shared by you using your device’s available sharing functionality.
The app does not upload your exported financial reports to PGRB Technology’s servers.
3. Advertising and Third-Party Services
The app uses Google AdMob to display advertisements.
Google and its advertising partners may process certain information, such as advertising identifiers, device information, IP address, and information related to advertising interactions, in accordance with their own policies and applicable privacy requirements.
These third-party services operate independently from PGRB Technology.
For more information about Google’s privacy practices, please visit:
4. Financial Information
The app may allow you to enter financial figures such as income, loan amount, interest rate, tenure, and existing financial obligations.
These values are used to perform calculations requested by you.
PGRB Technology does not access your bank accounts, credit cards, bank statements, passwords, or other financial accounts through this application.
The app does not provide loans, process loan applications, or act as a bank or financial institution.
5. Data Security
We take reasonable measures to protect information handled by the application.
Your saved financial and calculation information is stored locally within the app’s storage environment on your device.
The security of locally stored information also depends on the security of your Android device. We recommend keeping your device protected with a secure PIN, password, pattern, or biometric authentication.
6. Data Retention and Deletion
PGRB Technology does not maintain your financial calculation history on its servers.
Locally stored information remains on your device until you delete it, clear the app’s data, or uninstall the application.
You can delete saved calculation history through the app’s Settings → Clear History option, where available.
7. Children’s Privacy
EMI and FOIR Calculator is a general-purpose financial calculation application.
We do not knowingly collect personal information from children.
Because the app does not require users to create an account or submit personal financial information to our servers, the app does not intentionally collect such information from children.
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to the application, third-party services, legal requirements, or our privacy practices.
Any updated version will be published on this page with a revised Last Updated date.
We encourage users to review this Privacy Policy periodically.
9. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or the privacy practices of EMI and FOIR Calculator, please contact us:
Developer: PGRB Technology
Email: praveengouda1945@gmail.com
Website: newgovtjobalert.com
10. Financial Disclaimer
EMI and FOIR Calculator is intended for informational and calculation purposes only.
The results generated by the application are estimates based on the information entered by the user and standard mathematical formulas.
Actual EMI, interest rates, repayment amounts, eligibility, fees, charges, and other loan conditions may vary depending on the lender, financial institution, loan agreement, applicable rates, and other factors.
The calculations provided by the application do not constitute financial, investment, banking, lending, or legal advice.
PGRB Technology is not a bank, lender, financial institution, or financial advisor.
Users should independently verify financial information with the relevant bank, lender, or financial institution before making financial decisions.
© 2026 PGRB Technology. All rights reserved.