Privacy Policy
Last Updated: August 11, 2026
Privacy Policy for PayLater & Pinjaman
Thank you for using PayLater & Pinjaman, developed by SpellApp.
Your privacy is important to us. This Privacy Policy explains how our application collects, uses, and protects information when you use the app.
Information We Collect
1. Non-Personal Information
The application may automatically collect certain non-personal information, including but not limited to:
- Device type and model
- Operating system version
- Language settings
- App version
- Anonymous usage statistics
- Crash reports
This information helps us improve the performance, stability, and user experience of the application.
2. Advertising Data
Our application may display advertisements through third-party advertising partners. These partners may collect limited information, such as:
- Advertising Identifier (Advertising ID)
- Approximate location (based on IP address)
- Device information
- Ad interaction data
This information is used solely to provide relevant advertisements and measure advertising performance.
About the Application
PayLater & Pinjaman is an informational application that helps users explore and compare PayLater and loan services available in Indonesia.
The application may provide:
- Information about PayLater and loan products.
- Comparison of available financial services.
- Loan installment and interest simulations.
- Educational articles and financial guides.
This application is intended for informational and educational purposes only. It does not provide loans, process loan applications, or act as a financial institution.
Permissions
Depending on your device and Android version, the application may request limited permissions necessary for:
- Internet access (to load application content and updates)
- Network state (to optimize connectivity)
The application does not access your contacts, photos, microphone, camera, SMS, call logs, or precise location unless explicitly stated in future updates.
Third-Party Services
Our application may use third-party services, including but not limited to:
- Google AdMob
- Google Play Services
- Firebase Analytics
- Firebase Crashlytics
These services may collect information according to their own privacy policies.
Data Security
We implement reasonable security measures to protect information processed by the application. However, no method of electronic storage or internet transmission is completely secure.
Children's Privacy
This application is not directed toward children under the age of 13. We do not knowingly collect personal information from children.
If you believe a child has provided personal information, please contact us so appropriate action can be taken.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be reflected by updating the Last Updated date at the top of this page.
We encourage users to review this Privacy Policy periodically.
Contact Us
If you have any questions or suggestions regarding this Privacy Policy, please contact us:
Developer: SpellApp
Email: [support@kuissaldo.com](mailto:support@kuissaldo.com)
Disclaimer
PayLater & Pinjaman is not a lender, financial institution, bank, or loan provider. The application does not issue loans, approve financing, or collect loan repayments.
All trademarks, logos, and product names displayed in the application belong to their respective owners. Any financial information provided is for reference only. Users should verify all information directly with the official service providers before making financial decisions.