Loan Book

Introduction

Loan Book ("the App", "we", "our", or "us") is a loan-record and collection-management application developed by RSR Fintech. This Privacy Policy explains what information is collected, why it is used, how it is stored and shared, and the choices available to you.

By creating an account or using the App, you acknowledge this Privacy Policy. The App is intended to help lenders and organizations maintain their own customer, loan, repayment, schedule, overdue, collection, and related business records. It is not a bank, lender, credit bureau, or loan provider.

1. Information We Collect

Account and verification information

• Name, email address, mobile number, country code, username, and encrypted/securely protected authentication information.
• Email and mobile verification status, one-time-password request records, verification tokens, login/session information, and account status.
• Organization or business name, organization logo, and account preferences when supplied by you.

Customer and loan records entered by you

• Customer name, mobile number, address, identifiers, notes, status, and other information you choose to enter.
• Loan amount, disbursement date, interest type/rate, repayment frequency, installment schedule, due dates, outstanding balance, overdue amount, collections, payment dates, and payment allocations.
• Reports, summaries, and PDF documents created from the records stored in your account.

Technical and usage information

• Device type, operating-system/app version, IP address, diagnostic logs, crash/error information, security events, and basic usage information.
• Advertising Identifier and advertising/interaction data where advertisements are enabled and permitted by your device settings.

We do not ask for or access your contacts, call logs, SMS messages, precise location, microphone, or unrelated files unless a future feature clearly requests permission and this Policy is updated.

2. How We Use Information

• Create, verify, secure, and manage your Loan Book account.
• Store and synchronize customer, loan, schedule, payment, collection, and organization records.
• Calculate and display installments, balances, paid amounts, overdue amounts, receivables, and summaries based on data entered through the App.
• Generate, preview, download, and share reports or PDFs when requested by you.
• Provide account recovery, customer support, subscription management, service notices, and important security communications.
• Prevent fraud, misuse, unauthorized access, abuse, and technical failures.
• Maintain, troubleshoot, analyze, and improve the App and its services.
• Display and measure advertisements in the free version where applicable.
• Meet legal, regulatory, tax, accounting, or valid governmental requirements.

We do not sell customer loan records or use the contents of your customer and loan records for third-party advertising.

3. Permissions Used

4. Data Storage and Processing

Account, organization, customer, loan, schedule, payment, and related service records are stored on secure servers used by RSR Fintech so that the App can provide its online features. Generated PDF files may be created on your device and remain under your control after creation.

• Data is transmitted using encrypted HTTPS connections.
• Passwords are not intended to be stored as readable plain text.
• Access is restricted through authentication and reasonable technical controls.
• You are responsible for keeping your login credentials confidential and for using lawful, accurate data.

Data may be processed or hosted in India or another country where our hosting or service providers operate. Data-protection laws may differ by location, but we apply the safeguards described in this Policy.

5. When Information May Be Shared

We may share only the information reasonably necessary in the following circumstances:

• Service providers: hosting, database, security, email/OTP delivery, customer support, payment/subscription, advertising, and technical service providers acting for us.
• At your direction: when you export or share a PDF, report, loan statement, or other record using Android sharing options.
• Legal and safety reasons: when required by law, court order, valid governmental request, or to protect users, RSR Fintech, or the public from fraud, abuse, or harm.
• Business transfer: in connection with a merger, acquisition, restructuring, or transfer of the service, subject to appropriate notice and safeguards.

We do not sell or rent your customer or loan data.

6. Advertising

The free version of Loan Book may display advertisements provided by Google AdMob. Google and its partners may process device information, Advertising Identifier, IP-derived approximate location, ad interactions, and app usage data to deliver, limit, measure, and improve ads, subject to applicable consent choices and device settings.

Where required, you may be offered choices concerning personalized and non-personalized ads. You can also reset or delete your Advertising Identifier through Android settings. Please review Google's Privacy Policy.

7. Subscriptions and Payments

Premium subscriptions or in-app purchases offered inside the Android App may be processed by Google Play Billing. RSR Fintech does not receive or store your complete card number, UPI PIN, or banking password. We may receive purchase status, product/subscription identifier, order or purchase token, expiry/renewal status, and related transaction metadata needed to activate and manage Premium access.

Google processes payments under its own terms and privacy policy. Subscription cancellation and refund options are governed by Google Play policies and applicable law.

8. Third-Party Services

Depending on the version and enabled features, the App may use:

Third-party providers process information under their own privacy policies. Their inclusion does not permit them to use your customer or loan records for unrelated purposes.

9. Data Retention

We retain account and business records for as long as your account is active or as needed to provide the service. We may retain limited records after account closure when reasonably necessary for backups, fraud prevention, dispute resolution, security, accounting, tax, legal compliance, or enforcement of agreements.

OTP codes and temporary verification records are retained only for the operational or security period configured for the service. Backup copies may remain for a limited period before being securely overwritten or deleted.

10. Your Rights and Choices

Subject to applicable law and verification of your identity, you may:

• Access and review information available within your account.
• Correct or update inaccurate account, organization, customer, or loan information.
• Delete individual records when permitted by the App's integrity and accounting rules.
• Disable notifications, advertising personalization, or optional device permissions through App/device settings.
• Export or share reports generated from your records.
• Request account and associated personal-data deletion.

11. Your Responsibilities as a Lender or Organization

If you enter information about customers, borrowers, guarantors, employees, or other individuals, you are responsible for that data and must:

• Have a lawful basis, consent, notice, or other authority required to collect and use it.
• Enter only information necessary for legitimate loan-record and collection-management purposes.
• Keep records accurate, protect account access, and avoid sharing credentials.
• Respond to applicable privacy or data-correction requests from individuals whose information you control.
• Use generated reports and collection information lawfully and avoid harassment, discrimination, or unlawful lending/collection practices.

RSR Fintech acts as the service provider for records you choose to enter; it does not independently verify, approve, issue, or collect the loans recorded in the App.

12. Children's Privacy

Loan Book is a business and financial-record application and is not directed to children under 13. We do not knowingly permit children to create accounts. Users must not enter a child's personal information unless they have a lawful basis and all required guardian consent. If you believe a child has provided account information directly to us, contact us so we can review and delete it where required.

13. Security

We use reasonable administrative, technical, and organizational safeguards, including encrypted transmission, authentication, access controls, validation, monitoring, and backups. No internet transmission or electronic storage system is completely secure, and we cannot guarantee absolute security.

If you suspect unauthorized access, change your credentials where available and contact us immediately. Do not send passwords, OTP codes, PINs, or full financial credentials by email or support message.

14. International Users

Loan Book may be available in multiple countries. You are responsible for ensuring that your use of the App and the information you enter complies with the laws applicable to you, your organization, and your customers. Where local law provides additional privacy rights, you may contact us to exercise them.

15. External Links and Shared Files

The App or generated documents may contain links or may be shared through third-party applications selected by you. We are not responsible for the privacy practices or security of third-party websites, messaging apps, email providers, cloud drives, printers, or recipients. Review their policies before sharing sensitive records.

16. Changes to This Privacy Policy

We may update this Privacy Policy when features, data practices, legal requirements, or service providers change. The revised version will be posted on this page with a new effective or last-updated date. Where required, we will provide additional notice in the App or through an account communication.