D Store Loan App Legal Policies

1. Privacy Policy

The D Store Loan app is designed to be a simple, non-connecting utility tool. Our commitment is to your privacy, which is why we have designed the app to be completely self-contained.

1.1 Information We DO NOT Collect

The D Store Loan application does not collect, store, transmit, or share any personal identifying information (PII) from its users. This includes, but is not limited to:

Names, email addresses, phone numbers, or physical addresses.

Financial information (bank accounts, credit card numbers, or loan application data).

Geographic location data.

Any usage data, calculation inputs, or results entered into the calculator fields.

1.2 Data Collection

The D Store Loan app does not communicate with any external servers. All calculations are performed entirely on your local device. The data you input (principal, interest rate, term) is used solely to generate the loan schedule and is immediately discarded when you close the app or clear the fields.

1.3 Permissions

The D Store Loan app requires no special device permissions (such as access to your camera, microphone, contacts, or files) to function.

1.4 Changes to This Privacy Policy

We may update our Privacy Policy from time to time. You are advised to review this page periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

1.5 Contact Us

If you have any questions about this Privacy Policy, please contact us at Dstorephoneshop@gmail.com or +85598970777.

2. Terms of Service (TOS) / End-User License Agreement (EULA)

By installing or using the D Store Loan application, you agree to be bound by these Terms of Service.

2.1 Nature of the App

The D Store Loan application is intended solely for estimation and calculation purposes.

It is a tool to help you visualize potential loan repayment schedules based on the inputs you provide.

The app is NOT a lender, broker, or financial institution.

The app does not provide loan offers, verify credit, or process any applications for credit.

2.2 Accuracy and Disclaimer

Calculations are Estimates: All results provided by the D Store Loan app are based on the mathematical formulas common in amortization, using the input values you supply. These results are estimates only.

No Financial Advice: The information provided by the D Store Loan app is not, and should not be construed as, financial, legal, tax, or investment advice. You should consult with a qualified financial professional before making any financial decisions.

External Factors: Calculations do not account for external factors like variable interest rates, bank fees, insurance, or changes in lending laws.

2.3 Limitation of Liability

The D Store Loan app is provided "as is," without warranty of any kind. In no event shall the creators or operators of the D Store Loan app be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the D Store Loan application.

2.4 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Cambodia, without regard to its conflict of law provisions.

2.5 Contact Information

For any questions regarding these Terms, please contact us at Dstorephoneshop@gmail.com or +85598970777.