Loan Tap Privacy Policy

1. Scope of This Privacy Policy

This Privacy Policy applies to the Loan Tap Android application published by JJ ENTERPRISES and developed by Sunny. It explains the categories of information that may be handled when you use the app, where information is stored, why certain technical services are used, how advertising and analytics may operate, and what choices are available to you.

This policy covers the current application behavior. If future versions add a real lender integration, KYC service, payment service, bank-account verification, credit-bureau integration, document upload, or backend application submission, this Privacy Policy should be updated before those features are made available to users.

2. Important Financial-Service Notice

Loan Tap contains credit-related screens, application-style forms, calculators, status screens, repayment-style interfaces, and other financial utility content. These interfaces do not by themselves mean that JJ ENTERPRISES is granting credit, underwriting a loan, performing a credit check, or disbursing money.

• No credit approval is guaranteed.
• No displayed amount, rate, period, eligibility message, or app status is a binding financial offer.
• No in-app reference number should be interpreted as a lender-issued sanction or loan-account number.
• Calculator outputs and illustrations are informational estimates and may differ from an actual lender’s calculations.
• Users should review the terms, fees, interest rate, APR, repayment schedule, KFS, and lender identity before accepting any real financial product.

3. Information You May Enter in Loan Tap

Depending on the screen or feature you use, Loan Tap may ask you to enter or select information such as:

The app may also save local application-progress information, an in-app application status, a locally generated reference ID, submission time, selected credit amount or period, onboarding completion status, and app settings.

Based on the reviewed app flow, these profile and application-form values are stored in Android app storage on your device. The current flow does not automatically send those entered form values to a bank, NBFC, lender, credit bureau, or payment provider.

4. Information Stored Locally on Your Device

Loan Tap uses Android local application storage (including SharedPreferences-style app storage) to remember your progress and settings. Local storage may include the information you entered in the application-style flow, selected preferences, app state, locally generated reference values, and settings such as onboarding completion or screenshot-protection preference.

Local data is used to repopulate screens, allow you to continue where you left off, display your in-app status, and provide a consistent app experience. This locally stored information normally remains on the device until it is cleared using the app’s clear-data control, Android app data is cleared, or the app is uninstalled.

Clearing local data does not necessarily erase technical information that may already have been processed by third-party analytics, advertising, crash-reporting, notification, or installation services. Those services may maintain their own retention periods and user controls.

5. Technical, Device and Usage Information

Loan Tap integrates online services used for analytics, app stability, performance monitoring, configuration, notifications, advertising, and installation management. These services may process limited technical information. Depending on the service, this may include:

• App package name, app version, screen name, session timing, screen opens and selected app events.
• Device or app-instance identifiers, Firebase installation identifiers, anonymous service identifiers, and push-notification tokens.
• Operating-system version, device model or class, language, general device state and technical diagnostics.
• Crash reports, ANRs, non-fatal errors, stack traces and performance measurements.
• IP address or network-related information used by online services when a device connects to their servers.
• Advertising identifier and ad interaction signals where advertising services are enabled and permitted.
• Online/offline state, last-seen time and app version where anonymous realtime presence is enabled.

The app’s technical telemetry is intended to be separate from the personal/application-form values stored locally. The reviewed code does not automatically place the user-entered application form fields into Firebase Analytics or Crashlytics events.

6. Firebase and Google App Services

Loan Tap includes multiple Google Firebase components. Their exact activity can depend on configuration and availability.

Firebase App Check / Play Integrity support may also be included in the project but can be disabled unless configured. If enabled in a future build, it may process integrity-related technical signals to help protect backend resources from abuse.

7. Advertising and Ad Measurement

Loan Tap displays advertisements using Google Mobile Ads / Google AdMob. The project also includes Meta / Facebook Audience Network mediation support. Depending on configuration, geography, consent status, device settings and ad availability, advertising providers may process information such as:

• Advertising ID or similar advertising/device identifiers.
• IP address, general network information and approximate region inferred from network information.
• App information, device information and ad-request context.
• Ad impressions, clicks, interaction events, frequency and fraud-prevention signals.
• Consent, personalization, measurement or privacy settings when applicable.

Advertising providers may use this information for ad delivery, measurement, frequency control, security, fraud prevention and—where permitted by applicable settings and consent—personalized advertising. Loan Tap does not control every data practice of an independent third-party ad provider.

The app may use banner, interstitial, native, and app-open advertising formats. An advertisement is third-party content and should not be interpreted as a financial recommendation, endorsement, or a guarantee by JJ ENTERPRISES.

8. Push Notifications and OneSignal

Loan Tap integrates OneSignal for push-notification functionality and also includes Firebase Cloud Messaging infrastructure. On supported Android versions, the app may request permission to send notifications. The reviewed app flow requests notification permission from the onboarding experience.

OneSignal and underlying push infrastructure may process technical information such as a push subscription identifier, device/app information, notification token, delivery status and notification interaction information. You can generally control app notification permission through Android settings.

Denying notification permission does not grant Loan Tap access to contacts, SMS, call logs, microphone, camera, or precise location.

9. Android Permissions Used by the Current Build

Permissions not requested by the reviewed build

The reviewed Android manifest does not request permissions for SMS, contacts, call logs, phone-call access, precise GPS location, camera, microphone, or broad/general storage access. If a future app version adds any such permission, this policy should be revised accordingly.

10. Internet Connectivity Checks

Loan Tap includes a lightweight internet reachability check. The reviewed code may make a small request to Google connectivity endpoints (for example, Google connectivity-check services) to determine whether the device can currently reach the Internet.

This check is used to support an online/offline app experience. When such a request is made, the destination service can technically receive normal network information such as the request time and IP address, as with ordinary internet traffic.

11. Why Information Is Processed

Information may be handled for the following operational purposes:

• Provide app screens, calculators, application-style flows, progress tracking and local app state.
• Remember information and selections entered by the user on the same device.
• Measure app usage and understand which screens or features are used.
• Detect crashes, errors, ANRs and performance problems.
• Fetch remote configuration and support in-app messaging.
• Deliver and measure advertisements.
• Deliver push notifications where enabled by the user.
• Maintain limited anonymous app-presence information where configured.
• Protect service reliability, investigate abuse and improve the app experience.

12. Sharing, Disclosure and Service Providers

Loan Tap may allow third-party service providers to process technical information necessary to provide their services. Examples include Google services for advertising, analytics, crash reporting, performance, installation management, configuration and messaging; Meta advertising mediation when configured; and OneSignal for notification functionality.

We may also disclose information when reasonably necessary to comply with applicable law, legal process, enforceable governmental request, protect users, investigate fraud or abuse, defend legal rights, or protect the security and integrity of the app and related services.

The current reviewed application flow does not automatically disclose the locally saved application form values to a bank, NBFC, lender or credit bureau.

13. Sale of Personal Information

JJ ENTERPRISES does not sell the personal/application-form information that the reviewed current app flow stores locally on the user’s device. Third-party advertising providers may independently process advertising and device signals under their own terms, settings and privacy practices.

14. Data Retention

Local app data

Profile details, application-style form values, selected preferences, and in-app status values stored locally may remain on your device until you clear local data through the app, clear app storage through Android settings, or uninstall the app.

Third-party technical data

Analytics, advertising, crash, performance, notification, installation, presence and other online-service information may be retained by the applicable provider according to its configuration, legitimate operational needs, legal requirements and retention practices.

15. Data Deletion and User Controls

You may use one or more of the following controls depending on what you want to remove or disable:

• Use the app’s Settings → Clear local data option to remove locally stored profile/application progress data while keeping certain app preferences that the app is designed to preserve.
• Use Android system settings to clear all application storage for Loan Tap.
• Uninstall Loan Tap to remove the app and its ordinary local app storage from the device.
• Use Android notification settings to allow or block Loan Tap notifications.
• Use Google/Android advertising privacy controls where available to manage advertising personalization or advertising identifiers.
• Contact JJ ENTERPRISES at the email below for privacy questions or requests related to data under our control.

Some information processed directly by independent service providers may be subject to the provider’s own deletion process and retention obligations.

16. Security Measures

Loan Tap uses Android application storage controls for local data and the reviewed Android configuration disables cleartext HTTP traffic, which is intended to keep app network traffic on secure HTTPS connections where supported by the destination service.

The app also includes an optional screenshot-protection setting for supported screens. Third-party cloud and advertising providers maintain their own technical and organizational safeguards. However, no application, transmission method, or storage system can be guaranteed to be completely secure.

17. Children and Age Restrictions

Loan Tap is intended for adults who can lawfully use financial planning and credit-related tools. The reviewed application flow requires a date of birth selection consistent with an adult user. The app is not designed as a service for children.

Do not enter another person’s personal information unless you have a lawful reason and appropriate authority to do so.

18. International Processing and Data Location

Some technology providers used by Loan Tap operate infrastructure in multiple countries. Technical information processed by advertising, analytics, notification or cloud-service providers may therefore be processed on servers located outside your state or country, subject to the provider’s contractual, technical and legal safeguards.

19. Third-Party Services and Independent Policies

The current project includes or can interact with services such as:

• Google Mobile Ads / AdMob — advertising delivery and measurement.
• Meta / Facebook Audience Network mediation — additional advertising demand when configured.
• Google Firebase — analytics, crash reporting, performance monitoring, remote configuration, installation services, messaging, anonymous authentication/presence, and related infrastructure.
• OneSignal — push-notification subscription and delivery support.
• Google Play — app distribution and in-app review/rating interface where used.

These providers may have their own privacy policies, terms, retention periods, security practices and user controls. Their processing is not fully controlled by JJ ENTERPRISES. Users should review the privacy information made available by those providers where relevant.

20. Automated Decision-Making and In-App Status

The reviewed current Loan Tap flow does not contain a verified external lender underwriting engine that makes a legally binding lending decision based on the information entered in the app. The local app can display an application-style status such as “under review” and can store or display selected limits or status values for the in-app experience.

Such UI states are not the same as a lender’s credit decision. A real credit decision should come from the identified regulated financial provider through proper disclosures and applicable documentation.

21. Credit Bureau, Bank Account and Financial Credential Data

The reviewed current Android permissions and application flow do not automatically read your SMS, contacts, call logs, bank messages, UPI data, card data, device files, or credit-bureau report. The app also does not have permission to silently access your camera or microphone.

A screen that displays a bank-account style label or repayment-style information does not itself mean the app has connected to your bank account. If any future release adds account aggregation, KYC, bureau lookup, document upload, bank verification or payment processing, that feature must have its own clear disclosures and this policy should be updated before launch.

22. Never Send Authentication Secrets to Support

JJ ENTERPRISES does not need your OTP, UPI PIN, ATM PIN, card PIN, internet-banking password, email password, Google password, full CVV, or other secret authentication credential to answer a normal support request.

Do not send such information by email, chat, screenshot, or any support channel. If anyone claims to represent Loan Tap and asks for these secrets, do not provide them.

23. Your Privacy Choices and Rights

Depending on applicable law and the type of information involved, you may have rights to ask about personal information under our control, request correction, request deletion, withdraw certain permissions or consents, or raise a privacy concern.

Because much of the personal/application information in the reviewed app flow is stored locally on your device, the quickest way to remove that information is usually to use the app’s local-data clearing option or Android’s app-storage controls. For other privacy requests, contact us at the email address below.

24. Changes to This Privacy Policy

We may update this Privacy Policy when Loan Tap features, permissions, SDKs, advertising partners, notification services, backend integrations, financial-service functionality, legal requirements, or data practices change. The “Last Updated” date at the top of this page should be revised whenever a material policy update is published.

A future version that actually submits application information to a lender or backend must identify what is transmitted, to whom it is transmitted, for what purpose, and the retention/deletion process before that functionality is released.

25. Contact Us

If you have a privacy question, want to report a concern, or need help understanding how Loan Tap handles information, you can contact the publisher below.

When contacting support, describe the issue without including passwords, OTPs, UPI PINs, card PINs, CVV, or other authentication secrets.

Data Practice Summary