Privacy Policy
An independent app. Ringgit Plus Loan is a loan simulation, cost calculator and guide about personal loans in Malaysia. It is not owned, sponsored or operated by RinggitPlus, Jirnexu Sdn Bhd, Bank Negara Malaysia, any bank or any licensed lender.
No loan applications. The app does not lend money, does not act as an intermediary, does not accept or forward loan applications, and does not collect any applicant data. It does not access your contacts, SMS messages, call logs, photos, files or precise location.
Summary
The app has no account, no login and no server of its own for user data. It never asks for your name, MyKad number, income records, bank details, passwords or one-time codes. Numbers you move on the sliders of the simulation and calculators are processed on your phone and are never sent anywhere.
The one exception is advertising: the app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier to do so (section 3).
1. Information we do not collect
- Your name, email address, phone number or postal address
- Your MyKad, passport or any identity number
- Income, payslips, bank statements, account or card details
- Passwords, PINs or one-time passwords
- Contacts, SMS messages, call logs, photos, files, documents or precise location
The app requests no runtime permissions. Its only declared permission is internet access, used for the advert configuration and for the adverts themselves.
2. Information kept on your device
The following is stored in the app's private storage on your phone only. It is never uploaded or synced, and we cannot see it.
| What | Why |
|---|---|
| Checklist ticks | So your progress is still there next time |
| Theme choice and whether the welcome cards were shown | App preferences |
| A launch counter and any ad-free break you earned | To pace adverts (for example, no full-screen advert on the very first launch) |
| A cached copy of the advert configuration | So adverts follow the latest settings even when offline |
Calculator and simulation values are not saved. Clearing the app's storage or uninstalling the app deletes everything listed above. Checklist ticks can also be cleared in Settings.
3. Advertising (Google AdMob)
The app is free and funded by adverts from Google AdMob. To serve and measure adverts and to limit repetition, the Google Mobile Ads SDK may collect and process:
- The device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Approximate location derived from the IP address (country or region)
- Advert interactions such as impressions and clicks
This data is collected and shared with Google for advertising. Google's use of it is described in How Google uses information from sites or apps that use its services and the Google Privacy Policy.
Your choices. Where the law requires consent, a consent form from Google's User Messaging Platform appears before any advert is requested; you can review or change that choice later in the app under Settings → Privacy choices. You can reset or delete your advertising ID, or opt out of personalised adverts, in your phone's settings under Google → Ads.
4. Network requests
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request carries no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
- This policy. Tapping "Privacy policy" in the app opens this page in your browser.
All traffic uses HTTPS; plain-text traffic is disabled.
5. Children
The app is meant for adults comparing personal-loan costs and is not directed at children under 13 (the Play listing targets users aged 18 and over). We do not knowingly collect information from children.
6. Retention and deletion
Because no personal data leaves your device through the app, there is nothing for us to retain or delete on a server. Data held by Google for advertising follows Google's own retention rules and the controls in your Google account and device settings.
7. Security
Local data stays in the app's private storage, which other apps cannot read. Network traffic is encrypted in transit.
8. Changes to this policy
If this policy changes, the new version will be published at this address with a new effective date.
9. Contact
Questions about this policy: publish@naroehsucipto.web.id