Mudra Loan Guide
Privacy Policy
Last Updated: August 26, 2026
This Privacy Policy explains how Mudra Loan Guide – PMMY ("the App", "we", "us", or "our") handles information when you use our Android application.
Mudra Loan Guide – PMMY is an independent informational and educational application about Pradhan Mantri Mudra Yojana (PMMY).
The App is not an official Government of India application and is not affiliated with, endorsed by, sponsored by, or operated by the Government of India, any government department, bank, NBFC, or financial institution.
We do not provide, approve, sanction, process, broker, arrange, or disburse loans.
1. Information We Collect
Personal Information
The App does not require you to create an account or provide personal information to use its core informational features.
We do not ask users to submit:
Aadhaar numbers
PAN numbers
Bank account details
Debit or credit card details
OTPs
Passwords
Loan application information
Credit scores
Contacts
Call logs
SMS messages
The App does not provide a loan application submission service.
Calculator Information
The EMI calculator may allow you to enter information such as:
Loan amount
Interest rate
Loan tenure
Calculator inputs are used to calculate estimates on the device and are not intended to be submitted to us as a loan application.
2. Advertising
The App uses Google AdMob to display advertisements.
Google AdMob may collect and process certain information automatically for advertising, measurement, fraud prevention and related purposes.
Depending on the user's device settings, consent choices, region and Google's advertising configuration, this may include information such as:
Advertising ID or other advertising identifiers
IP address
Device and app information
Approximate location derived from IP address
Ad interaction information
Diagnostic and performance information
Information necessary to deliver and measure advertisements
Advertising may be personalized or non-personalized depending on applicable requirements, user consent, device settings and Google's advertising systems.
We do not control the information independently collected and processed by Google through its advertising services.
For more information about how Google handles information in its advertising products, users can review Google's privacy and advertising documentation.
3. Google AdMob
We use the Google Mobile Ads SDK / Google AdMob to provide advertisements.
Google may use collected information to:
Deliver advertisements
Measure advertising performance
Prevent fraud and abuse
Limit repetitive advertisements
Provide personalized advertising where permitted
Improve advertising services
Google may process information on its own systems in accordance with Google's applicable policies.
Users can learn more about Google's advertising practices through Google's official privacy and advertising resources.
4. Personalized Advertising and Consent
Where required by applicable law or Google Play requirements, the App may request the user's consent before allowing certain forms of personalized advertising.
Users may also have advertising controls available through their Android device or Google account.
Advertising preferences may affect the types of advertisements displayed in the App.
If consent is required and not provided, the App may display non-personalized or otherwise permitted advertisements.
5. Third-Party Services
The App may use third-party services to support advertising, analytics, crash reporting, security, or application functionality.
Current third-party services should be accurately reflected here based on the SDKs actually included in the released application.
For the current release, the primary advertising service is:
Google AdMob / Google Mobile Ads SDK
If additional services such as Firebase Analytics, Firebase Crashlytics, Google Play services, or other SDKs are added, this Privacy Policy should be updated accordingly.
6. No Loan Application or Financial Data Collection
Mudra Loan Guide – PMMY is an informational application.
We do not collect or process loan applications through the App.
We do not ask users to submit:
Aadhaar
PAN
Bank account numbers
Credit/debit card information
UPI credentials
Banking passwords
OTPs
Credit scores
Financial statements
Contacts
SMS records
Users should never enter sensitive financial credentials into an informational application.
7. External Websites
The App may provide links to external websites, including authoritative government or other relevant information sources.
When you open an external website, you may be subject to that website's own privacy policy, terms and data practices.
We do not control the privacy practices of external websites.
Users should review the privacy policy of any external website before providing personal or financial information.
8. Data Security
We take reasonable measures to protect information associated with the App.
However, no electronic transmission or storage system can be guaranteed to be completely secure.
Because the App does not provide a loan application service, we do not maintain a database of users' Aadhaar numbers, PAN numbers, bank account information, loan applications, or similar sensitive financial credentials.
9. Data Retention
The App does not intentionally maintain a personal user account or loan application database.
Information processed by third-party services such as Google AdMob may be retained by those providers according to their respective policies and applicable legal requirements.
10. Children's Privacy
The App is not specifically directed toward children.
The App does not knowingly request children to submit personal financial information.
If you believe that a child has provided personal information to us, please contact us so that we can review the situation and take appropriate action where applicable.
11. Your Choices
Depending on your device, region and applicable laws, you may have choices regarding advertising and privacy.
You may:
Review available advertising settings on your Android device
Manage advertising preferences through your Google account where available
Respond to consent choices presented by the App where applicable
Stop using the App at any time
Uninstall the App at any time
12. Changes to This Privacy Policy
We may update this Privacy Policy when the App's functionality, third-party services, advertising configuration, or applicable requirements change.
The updated Privacy Policy will be made available through the App and/or the location where this Privacy Policy is published.
The "Last Updated" date at the beginning of this policy indicates when the policy was most recently revised.
13. Independent Information Disclaimer
Mudra Loan Guide – PMMY provides general informational and educational content.
It is not an official Government of India application.
It is not affiliated with, endorsed by, sponsored by, or operated by:
Government of India
Ministry of Finance
Department of Financial Services
Any state government
Any bank
Any NBFC
Any financial institution
The App does not guarantee eligibility, loan approval, loan amount, interest rate, repayment terms, or any financial outcome.
Users should verify current information through appropriate authoritative sources and the relevant lender before making financial decisions.
15. Third-Party Privacy Information
Google's services may process information according to Google's applicable privacy policies.
For information about Google's privacy practices and advertising controls, users should consult Google's official privacy and advertising resources.
Last Updated: August 26, 2026
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