Privacy Policy

Effective Date: May 5, 2026

This Privacy Policy explains how Loan Lifeline (“Loan Lifeline,” “we,” “our,” or “us”) handles information when you use our mobile application and related services (collectively, the “App”).

Privacy-first summary: Loan Lifeline is designed to keep your debt planning information on your device. We do not sell your personal information, and we do not store your debt details in the cloud.

1. About Loan Lifeline

Loan Lifeline is a debt payment planning and organization tool. The App helps users track debts, minimum payments, due dates, available money for debt payments, payment shortfalls, and possible next steps.

Loan Lifeline is not a lender, loan provider, debt settlement company, credit repair service, financial advisor, legal advisor, or debt collector. The App does not make payments, negotiate with lenders, or guarantee any financial outcome.

2. Information You Enter Into the App

You may choose to enter information into the App, such as:

This information is used by the App to help you organize your debts, calculate payment shortfalls, prioritize payments, and display reminders or planning guidance.

3. Local Data Storage

Loan Lifeline is designed so that the debt information you enter stays on your device. We do not operate a cloud account system for storing your debt details, and we do not upload your debt information to our servers.

Because your information is stored locally on your device, you are responsible for protecting access to your device, including using device passcodes, biometric locks, or other security features available on your phone.

If you delete the App, reset your device, or clear app data, the information stored in the App may be permanently deleted.

4. Information We Do Not Collect

We do not intentionally collect, store, or transmit the following information from the App:

5. Analytics, Diagnostics, and App Performance

We may use privacy-conscious analytics or diagnostics tools to understand general app performance, detect crashes, improve reliability, and improve the user experience. These tools may collect limited technical information, such as:

We do not use analytics to collect the debt amounts, lender names, due dates, notes, or other debt details you enter into the App.

6. Notifications

If you enable notifications, Loan Lifeline may use local notifications to remind you about due dates, payment planning, or other debt-related tasks. These notifications are generated based on information stored on your device.

You can disable notifications at any time through your device settings.

7. How We Use Information

Information you enter into the App is used to provide App functionality, including:

Any analytics or diagnostic information we may receive is used to:

8. Sharing of Information

We do not sell your personal information.

We do not share your debt details with lenders, credit bureaus, debt collectors, advertisers, or other third parties.

We may share limited technical information with service providers that help us operate, maintain, analyze, or improve the App, such as crash reporting or analytics providers. These service providers are only permitted to use information as needed to provide services to us.

We may disclose information if required to do so by law, regulation, legal process, or governmental request.

9. Advertising

Loan Lifeline does not use the debt information you enter into the App for targeted advertising.

If the App ever includes advertising in the future, this Privacy Policy will be updated to explain what advertising technology is used and what choices are available to you.

10. Data Security

We take reasonable steps to design the App with privacy and security in mind. However, no method of electronic storage or transmission is completely secure.

Because your debt information is stored locally on your device, you should take steps to protect your device, including:

11. Your Choices

You control the information you enter into Loan Lifeline. You may:

12. Data Retention

Information you enter into the App remains on your device until you delete it, clear app data, or uninstall the App.

If we receive crash reports, analytics events, or diagnostic data, we retain that information only for as long as reasonably necessary to maintain, improve, and secure the App, unless a longer retention period is required or permitted by law.

13. Children’s Privacy

Loan Lifeline is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe that a child has provided us with personal information, please contact us so that we can take appropriate action.

14. International Users

Loan Lifeline may be available to users in different countries or regions. Privacy laws may vary depending on where you live. By using the App, you understand that any limited technical information processed by our service providers may be processed in locations where those providers operate.

15. Financial and Legal Disclaimer

Loan Lifeline is provided for planning and organization purposes only. The App does not provide financial advice, legal advice, credit counseling, debt settlement services, or tax advice.

Any information displayed in the App is based on the data you enter and should be used as a planning aid only. You should contact your lender, financial institution, or a qualified professional for advice regarding your specific situation.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make changes, we will update the effective date at the top of this page. Your continued use of the App after any changes means you accept the updated Privacy Policy.

17. Contact Us

If you have questions about this Privacy Policy or Loan Lifeline’s privacy practices, you may contact us at:

Email: CosmicRayDev@outlook.com