Privacy Policy

Last updated: October 22, 2026

LIGACAO VITAL - COMERCIO E SERVICOS, (SU), LDA ("we") operates LoanCalcMate ("this app"). This policy explains what happens to information when you use the app.

LoanCalcMate is a loan estimate calculator. It does not offer credit, submit a loan application, or connect you to a lender. Results are estimates only.

1. Information we do not collect

We do not operate an account system, and we do not ask for your name, email, phone number, or identity documents. We do not collect:

• The amounts, rates, terms, or plans you enter
• Saved calculations, comparison lists, or savings records
• Advertising identifiers, or a record of how you use the app

The app does not include advertising or analytics software. We do not sell, rent, or share personal information, because we do not receive it.

The app does not use third-party tracking cookies. Calculations run on your device. We do not receive what you enter on a server in order to compute a result. The published copy of this policy is served over HTTPS.

2. What stays on your device

Figures you type, saved plans, savings goals, a nickname, currency, and language are stored only on the phone, so the app can show them the next time you open it. They are not uploaded to us. We have no server copy and cannot view or restore them.

You can edit or delete plans and savings goals in the app. Clearing the app's data, or uninstalling the app, removes what was stored on that device.

3. Children

This app is not directed to children under 13. It does not ask for a name, email, phone number, or other identity details, and it does not create an account for a child or for anyone else. We do not knowingly collect personal information from children.

Anything typed in the app stays on that device, the same way as any other entry. A parent or guardian can delete saved plans and savings goals inside the app, clear the app's data, or uninstall the app. We do not keep a server copy, so there is no account for us to close and no remote record for us to erase. Questions can be sent to the email in the contact section.

4. Security

Calculations run on the phone. Saved plans, savings goals, a nickname, currency, and language stay in the app's storage on that phone. They are not sent to us. We do not keep a second copy, and we cannot look up, restore, or delete those records for you.

How well they are protected depends on the phone: the screen lock, who can unlock it, and whether you turn on the phone's own backup. If the phone is backed up, that backup may include the app's local data. The backup is handled by the phone's settings and the backup service you use. We do not operate that backup and cannot see it.

You can edit or delete plans and savings goals in the app. Clearing the app's data or uninstalling the app removes what was stored on that device. If the phone is lost and there is no backup you control, we cannot recover the plans.

5. Changes

We may update this policy when the way the app handles information changes, or to make the text clearer. The revised policy is the one shown on this page. The date at the top is the date of that text. The new text replaces the older text in the app.

We do not keep a list of email addresses, so we cannot send a separate notice to each person. This page is the notice. If you keep using the app after the date changes, the text then shown on this page is the one that applies. Questions about a change can be sent to the email below.

6. Contact us