Privacy Policy
The short version
This app has no account, no login and no server of its own. It never asks for your Aadhaar, PAN, bank details, password or one-time password. Everything you type into the calculators, tick on the checklist or change in settings stays on your device and is deleted when you uninstall the app.
The one exception is advertising. The app shows adverts through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier in order to serve them. That is set out in full below.
1. Information we do not collect
We do not ask for, collect, transmit or store any of the following:
- Your name, email address, phone number or postal address
- Your Aadhaar number, PAN or any government identifier
- Your enrolment number, admission details or examination results
- Bank account details, card details or any financial account information
- Passwords, PINs or one-time passwords
- Contacts, SMS messages, call logs, photos, files or precise location
- Any document or image
The app requests no runtime permissions. It has no access to your camera, storage, contacts, microphone or location.
2. Information stored on your device
The following is written to local storage on your phone only. It is never uploaded, never synced, and never visible to us or to anyone else.
| What | Why |
|---|---|
| Figures you have entered in the tools (loan amount, interest rate, family income) | So you do not have to retype them between screens and sessions |
| Application checklist progress | So your ticks survive closing the app |
| Bookmarked guide chapters and answers | So you can find them again |
| Theme preference and onboarding state | App settings |
| Advert pacing counters and any ad-free window you have earned | To limit how often adverts appear |
You can clear the checklist at any time from within the app, and you can erase everything by uninstalling it.
3. Advertising
This app is free and is paid for by advertising supplied by Google AdMob. To serve adverts, measure them and limit how often you see the same one, the Google Mobile Ads SDK may collect and process:
- Your device advertising identifier (Android Advertising ID)
- Device information such as model, operating system version and language
- Coarse, IP-derived location (country or region level)
- Advert interaction events, such as an impression or a click
This data is collected by Google, not by us. We never receive it and we cannot link it to you. Google's handling of it is governed by the Google Privacy & Terms.
In Google Play's Data safety terms: Device or other IDs → Advertising ID is collected and shared with third parties, for the purpose of advertising or marketing. Nothing else is collected or shared.
Your choices
- Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any advert is requested. You can change or withdraw that consent at any time from Settings → Change ad consent choices inside the app, wherever that option is available in your region.
- You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads. You can also opt out of advert personalisation there.
4. Network requests
The app makes exactly three kinds of outbound request:
- Advert configuration. A small JSON file is fetched over HTTPS so adverts can be switched on or off without an app update. The request contains no information about you.
- Advert serving. Requests made by the Google Mobile Ads SDK, described above.
- Links you tap. When you open an official link, your browser loads that site directly. Whatever happens there is governed by that site's own privacy policy — including the PM-Vidyalaxmi portal's.
All app traffic uses HTTPS. Cleartext traffic is disabled at the platform level.
5. Children
This app is directed at adults applying for or repaying higher-education loans, and is not intended for children under 13, nor for children at all. We do not knowingly collect any information from children.
6. Data retention and deletion
Because no personal data leaves your device, there is nothing for us to retain or delete on a server. Local data is removed when you clear it in the app or uninstall it. For data held by Google in connection with advertising, use Google's own controls linked above.
7. Your rights
Under the Digital Personal Data Protection Act, 2023 and comparable laws elsewhere, you have rights of access, correction, erasure and grievance redressal over personal data held about you. Since this app holds no personal data about you on any server, those rights are satisfied by the on-device controls described above. If you believe otherwise, contact us and we will respond.
8. Accuracy of the content
The guidance, figures and calculators in this app are educational estimates built from publicly published information about the PM-Vidyalaxmi scheme, including the scheme guidelines issued by the Department of Higher Education and the material published on the official portal. They are not a quotation, an offer of credit, or a statement of your actual loan balance, and they are not financial or legal advice. Rules, ceilings and interest rates change. Always confirm with your bank and with the official portal before acting on anything you read here.
9. Changes to this policy
If this policy changes, the updated version will be published at this address with a new date at the top. Material changes will also be noted in the app's release notes.
10. Contact
Questions about this policy or the app: publish@tulus-alsatibi.web.id
Questions about your actual loan, application, disbursement or subvention must go to the PM-Vidyalaxmi portal and your lending bank, not to us: pmvidyalaxmi.co.in