Document revision 2026-10-25 · Publisher: REO Technologies. Source observations have their own dates.
This is the shared Mobile App Privacy Policy for the seven REO Technologies Android mortgage calculator apps listed below. For browsing this website, read the separate website privacy policy. Opening a section below does not change your advertising consent inside an app.
About these apps
These mortgage calculator apps are published by REO Technologies. The publisher contact is Abdul Raheem, reachable at support@mortgageproglobal.com. The same policy URL covers all seven listed apps.
In this policy, “the app” means the listed app you are using. Available calculators, currencies, online features and advertising partners can differ by app, version, region and settings. Advertising, Firebase, AI, reporting and feedback sections apply when that feature or service is included and enabled in your installed version. Listing an app or provider does not mean that every app uses every feature or sends data to every provider.
The calculators do not require a publisher account. Online services can process data even though the repayment calculation itself runs on your device. If a release introduces a materially different data practice, its disclosures must be updated before that practice is used; this common notice does not authorize undisclosed collection.
Covered apps and package identifiers
Use the package identifier to identify the app, even if its display name is translated or changes between versions. This policy covers the following packages, including their released versions when available. Inclusion here does not announce a launch or guarantee current availability in Google Play or your country.
| App / regional edition | Android package identifier |
|---|---|
| Mortgage Calculator USA - PITI | com.reotech.mortgage_calculator |
| Mortgage Calculator Global | com.reotech.mortgagepro_global |
| Mortgage Calculator Australia | com.reotech.mortgage_calculator_au |
| Mortgage Calculator Canada | com.reotech.mortgage_calculator.canada |
| Mortgage Calculator India | com.reotech.mortgage_calculator_in |
| Mortgage Calculator New Zealand | com.reotech.mortgage_calculator_nz |
| Mortgage Calculator Europe / EU | com.reotech.mortgage_calculator_eu |
The advertising, AI, storage, support, privacy-choice and deletion information below is shared across these listed apps, subject to the feature scope above. A regional edition's financial rules, currency and calculator defaults do not by themselves mean a different privacy consent choice. Consent and permissions are handled in the app you use; installing another edition does not automatically transfer your choices.
Calculator inputs, saved results and exports
Mortgage, loan, repayment and debt-ratio calculations run locally. Entering a value into a calculator does not, by itself, send that value to an AI provider. Saved calculations, favorite tools, preferences and cached notifications can remain in the app's local storage. A saved calculation can contain financial amounts; it is not automatically anonymous or encrypted merely because it is stored locally.
If you use export, print or share, the chosen file or content can leave the app through your device's print/share service or destination. Manage those copies separately. If you type financial details into an AI question, feedback message or report, that text follows the online data flow described below. The distinction matters: local calculator processing does not make every app feature offline.
Advertising through Google AdMob mediation
Where advertising is included, the apps use Google AdMob as their mediation platform, with Meta Audience Network, Liftoff Monetize (Vungle) and Unity Ads as advertising partners where integrated. Partner availability varies with the app, version, region, privacy choices and the ad request. Listing a partner does not mean that every app integrates it, that every partner receives every request or that an ad appears in every session.
Advertising services may process IP addresses and approximate IP-derived location, advertising or app-instance identifiers, device/OS/app information, ad requests, impressions, clicks, video interactions and diagnostics. They use this information to deliver and measure ads, select permitted advertising, limit frequency, detect fraud and maintain their services. Applicable consent or opt-out signals and SDK/account settings affect processing. Some processing can continue for permitted non-personalized, security or measurement purposes; rejecting personalization does not guarantee that no data is processed.
The partner sections below link to provider information. A provider's policy describes its services broadly; the categories used in this app depend on the integrated SDK and configuration. We do not describe these services as collecting zero personal data.
Google AdMob
Google Mobile Ads requests and displays ads and coordinates the mediation process. Its SDK can collect IP addresses, device/account identifiers, product interactions and diagnostics for advertising, analytics and fraud prevention. Google UMP provides the app's regional privacy-message and privacy-options framework.
Read Google's privacy policy, Google's advertising information and Mobile Ads SDK data disclosures. AdSense is used on the companion website; AdMob is used in the mobile app. Website consent choices do not automatically set the app's choices.
Meta Audience Network
Meta Audience Network participates through AdMob mediation. Depending on the request, settings and permissions, its advertising technology may process device or advertising identifiers, IP/network and device information, and ad-interaction or measurement information to provide, personalize where permitted, measure and protect advertising.
Read Meta's privacy policy and Meta's advertising preferences information. Meta's own controls complement the choices available in this app; they do not replace the app's consent settings.
Liftoff Monetize (Vungle)
Liftoff Monetize, also known as Vungle, participates through AdMob mediation. Its technology may process device/advertising identifiers, IP addresses and approximate location, device and app information, and ad-interaction/performance information. Purposes include ad delivery, personalization where permitted, measurement and fraud prevention.
Read Liftoff's privacy policy and Liftoff's opt-out information. The provider describes regional rights and methods to exercise choices over its processing. Requesting deletion from the publisher does not automatically delete independently held Liftoff records.
Unity Ads
Unity Ads participates through AdMob mediation. Depending on SDK settings and applicable choices, Unity may process device/advertising or installation identifiers, IP-derived location, app/device information and advertising interactions for ad delivery, permitted personalization, measurement and service protection.
Read Unity's Game Player and App User Privacy Policy and its privacy FAQ. These disclosures concern Unity's advertising services; they do not mean that this Flutter app uses the Unity game engine. Ad formats and partner availability vary by build and configuration.
Advertising choices and consent
In supported app versions, open Settings → Privacy & Legal → Consent Settings to revisit the Google UMP privacy-options form when it is required and available. Labels can vary by app, language or version. Available choices and whether a form appears depend on that app's published message configuration and your location. If the control is unavailable or fails, contact support with the app name or package identifier, version and a brief description.
Changing a choice affects subsequent applicable processing; it does not recall an earlier request or erase previously collected records. You can also review Android's advertising-ID/privacy controls and the partners' controls linked above. Android menu names vary by version. A device advertising-ID change does not erase feedback, AI requests or other provider records.
The links on this webpage explain the app's controls. They do not operate the native app's UMP form or confirm that every regional message or partner mapping is published. The website's Privacy Settings link controls website advertising when its provider interface is available.
Firebase services and notifications
Where included in an app version, Google Firebase services support operation and improvement:
- Analytics: app-instance/device information, app usage and events such as opening a calculator or screen can be processed for usage analysis. Usage information can be pseudonymous and should not be treated as guaranteed anonymous.
- Crashlytics: crash/error reports, stack traces, app/OS versions, device information and installation-related identifiers help diagnose failures. Error reports can contain technical context; we do not promise that every report is free of personal information.
- Remote Config: installation-related information and service requests help deliver configuration such as feature flags, rate defaults and minimum supported builds. A downloaded default is not a personalized lender offer.
- Cloud Messaging (FCM): registration/installation tokens and device/app information support message delivery. Notification content and cached notification history may remain on your device. You can manage notification permission in Android settings; disabling visible notifications does not itself delete provider identifiers or previously delivered records.
See Privacy and Security in Firebase and Google's privacy policy. Advertising consent, Android notification permission and diagnostic/analytics processing are different controls; changing one is not a promise that all others are disabled.
AI assistant: Gemini and Groq
AI assistance is an optional online feature in editions and versions that provide it. Where this Gemini/Groq assistant is enabled, submitting a question sends the question, conversation context needed to answer it and app-provided instructions over HTTPS to Google's Gemini API. Groq may be used as a fallback, for example when the primary request fails or is rate-limited. In a fallback, both services may have received a request; the first request is not recalled. Network/service metadata, including an IP address, can also be processed. An edition without the AI feature does not send an AI question merely because it is listed in this policy.
Anything you type into the conversation, including income or loan details, can therefore leave your device. Do not submit passwords, account/card numbers, identity documents, another person's information or sensitive/confidential financial records. Use fictional or rounded examples. Calculator results are not automatically included merely because you used a calculator.
Gemini data use depends on the service tier, region and account settings. Under applicable unpaid-service terms, Google may use inputs and outputs to improve its services and human reviewers may review content. Different terms apply to qualifying paid services and certain regions. We do not promise a paid tier, zero retention, no human access or no model-improvement use for every request. Read Gemini API terms and Google's privacy policy.
Groq states that ordinary inference content is not retained by default, while limited reliability/abuse logs can be kept for up to 30 days unless legal retention requires longer; optional features and account data controls can change this. Usage metadata is retained separately. This app does not promise that the publisher's Groq account has enabled Zero Data Retention. Read Groq's data-handling information and Groq's privacy policy.
AI responses can be wrong, incomplete or out of date. They are educational content, not a lender decision, regulated financial advice or a professional review. Check important figures against current official sources and relevant professionals before acting. AI providers also impose eligibility, regional and usage restrictions; a privacy notice does not override them.
Reporting an AI response
In app versions with the AI response reporting control, use the report action associated with the response and review the preview before submitting. The report flow sends the selected response excerpt, your report details and an optional reply email to the publisher through Google Forms over HTTPS. The documented reporting flow limits the response excerpt to 120 characters and does not automatically attach the full chat, user questions, system instructions, calculator fields or API keys.
An excerpt can still repeat information you typed earlier. A character limit does not anonymize it. Review the preview and your message, and avoid submitting sensitive details. Opening or cancelling the report is different from submitting it. Reports are used to investigate content, improve safeguards and respond where appropriate. Google Forms and mailbox/provider records have their own processing and retention.
If your installed app does not offer a reporting control, you can contact support without sending the full conversation. Email is an additional contact channel; this webpage is not a replacement for an in-app reporting control where one is required.
Feedback and support messages
Where provided, the optional feedback form sends your selected rating, category, message and optional email to the publisher using Google Forms over HTTPS. An email is useful if you want a reply, but need not be supplied to describe a software problem. Google can process request metadata when receiving the form.
Emails sent to support@mortgageproglobal.com are forwarded to the publisher's Gmail inbox. Your address, message, attachments and correspondence are handled by the publisher and email provider. We use feedback and correspondence to respond, investigate issues and maintain necessary support records. Please do not send financial statements or identity documents. See Google's privacy policy.
Permissions, network requests and external links
Online features use network access. Advertising SDKs can use Android advertising-ID access where permitted; notifications can request Android notification permission. Network access and IP-derived approximate location are distinct from requesting precise GPS access. The described calculator and text-chat features do not need your bank login, contact list, camera or microphone.
Requests for rate/reference data, configuration, updates and third-party content can reveal an IP address, requested resource and device/request metadata to the receiving service. Provider information includes FRED's privacy notice and the policies linked in this document. Opening a lender, map, advertiser or other external link takes you to that service's own data practices. We do not submit a mortgage application on your behalf merely because you run a calculation.
Retention and deletion
Local saved calculations and preferences remain until you remove/reset the relevant data or clear that app's storage. Use its saved-calculation deletion controls where available. For a full local reset, use Android Settings → Apps → select the mortgage calculator app you use → Storage → Clear storage / Clear data; wording varies by device. Each listed package has its own app storage: clearing one edition does not clear another edition. Uninstalling normally removes the selected app's local storage, but exported/shared files, operating-system backups and records held by providers require separate management. We do not promise deletion of backup copies through an app reset.
Clearing the AI conversation removes the visible local conversation state; it does not recall requests already sent to Gemini or Groq. Feedback and AI reports already submitted, support emails, advertising records, FCM identifiers, analytics and crash reports are also separate from local saved calculations.
To request access, correction or deletion of publisher-held feedback/report/correspondence, email support@mortgageproglobal.com with the app name or package identifier, an approximate submission date and enough non-sensitive information to identify the record. We may need proportionate verification. We review requests under applicable law and provider capabilities. We retain support/report records while needed for the request, safety, service maintenance or legal obligations; we do not assert an unverified fixed retention deadline or immediate erasure of all copies. Provider-controlled records follow their own notices, legal duties and request mechanisms. The listed apps do not require a publisher account to use the calculators, so a local reset is not an account-deletion request.
Children and eligibility
The app provides financial-planning tools and is not designed for children. AI services have additional age, region and usage restrictions; Gemini API terms restrict API clients directed towards or likely to be accessed by people under 18. Do not use the AI feature if you do not meet the provider's eligibility requirements. We do not ask users to submit children's personal information. If you believe a child has sent personal information through feedback, reporting or AI features, contact support so we can investigate the publisher-held records and explain available next steps.
Your rights, international processing and contact
Depending on your location and applicable law, you may have rights to access, correct, delete or restrict processing, withdraw consent, opt out of certain advertising uses or complain to a data-protection authority. Contact support@mortgageproglobal.com for publisher-held data and use the providers' linked controls for their records. Exercising an advertising choice does not delete a previously submitted AI prompt or report.
Google, Meta, Liftoff, Unity, Groq and other providers may process information outside your country. Their notices describe relevant locations, safeguards and rights. We do not promise that all information stays on your phone or in your country. Network requests described here use HTTPS; this does not mean that locally saved records have a separately verified encryption system or that all third-party retention can be controlled by the publisher.
Publisher: REO Technologies. Publisher contact: Abdul Raheem. Privacy and support contact: support@mortgageproglobal.com. Use the contact page for what to include in a software report.
Policy changes
We update this policy when material app features, partners or data practices change. The updated date appears at the top. The disclosures apply to the features available in your installed version; they do not assert that every SDK, regional consent flow or provider account has been independently certified.