Privacy Policy

1. Introduction

Rate Master AI ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we handle your information when you use our mobile application.

2. Data Collection

3. AI Chat Feature

When using the AI Chat feature:

• Only the loan description text you type is sent to our AI service provider (Minimax) for parsing
• No monetary amounts are transmitted
• The AI service is used solely for natural language understanding to extract loan parameters
• All calculations based on extracted parameters are performed locally on your device

4. Third-Party Services

Our app uses the following third-party services:

Minimax AI

• Purpose: Natural language parsing for AI Chat feature
• Data Shared: Loan description text only (no monetary amounts)
• Privacy Policy: https://www.minimax.io/privacy

Google Play Services

• Purpose: App distribution and analytics (if enabled)
• Privacy Policy: https://policies.google.com/privacy

5. User Rights

Since we do not collect or store any personal data:

• There is no user account system
• There is no data to delete or export
• You can use the app completely anonymously

6. Data Security

All data entered into the app:

• Stays on your device
• Is not transmitted to our servers (except AI Chat text for parsing)
• Is not shared with any third parties (except Minimax for AI Chat parsing)

7. Children's Privacy

Our app is suitable for all ages. We do not knowingly collect any personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of the app constitutes acceptance of the updated policy.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: steven2014.liao@gmail.com
• Developer: Individual Developer

10. Governing Law

This Privacy Policy is governed by the laws of the Republic of the Philippines.