Third Party Offers Policy

1. Introduction

e‑Coding Hub Pvt. Ltd. ("we," "our," or "us") provides financial calculator tools to help users make informed decisions. As part of our service, we may display third-party offers from financial institutions, including home loan providers, banks, and other financial service companies.

This policy describes how third-party offers are presented, what information may be shared, and your rights regarding these offers.

2. What Are Third-Party Offers?

Third-party offers are promotional content from financial institutions that may include:

• Home loan interest rates and terms
• Loan product information
• Special offers or promotions
• Links to third-party websites for application or more information

These offers are provided by external financial institutions and are not directly sold or serviced by e‑Coding Hub Pvt. Ltd.

3. Your Choice to Receive Offers

3.1 Optional Nature

Receiving third-party offers is completely optional. You can choose to:

• Opt-in: View offers by selecting the "View Offers" option on your calculator results
• Opt-out: Decline to view offers; this does not affect your calculator functionality

3.2 How Your Choice Affects App Usage

• If you opt-in: You will see a "View Offers" button on your calculator results page
• If you opt-out: The "View Offers" button will not be displayed, and you can use all calculator features normally
• Your choice does not affect core app functionality, including calculator tools, history, or PDF export features

3.3 Changing Your Preference

You can change your preference at any time through your app profile settings. Changes take effect immediately.

4. Data Sharing with Third Parties

4.1 What Information May Be Shared

If you choose to view or interact with third-party offers, we may share:

• Your calculator inputs (loan amount, interest rate, tenure) to show relevant offers
• General app usage information (if you clicked on an offer)
• No personally identifiable information (name, email, phone) is shared unless you explicitly provide it to the third party

4.2 Third-Party Data Practices

When you click on a third-party offer:

• You will be directed to the third party's website or application
• The third party's privacy policy and terms will apply
• Any information you provide to the third party is governed by their policies, not ours

5. Third-Party Content

5.1 Accuracy and Verification

• We make reasonable efforts to ensure offer information is accurate and current
• However, we do not guarantee the accuracy, completeness, or availability of third-party offers
• Interest rates, terms, and conditions may change without notice

5.2 No Endorsement

Displaying a third-party offer does not constitute an endorsement, recommendation, or guarantee of that financial institution or their products. You should:

• Review all terms and conditions carefully
• Compare multiple offers before making a decision
• Consult with financial advisors if needed
• Verify current rates and terms directly with the financial institution

6. Compliance with Google Policies

Our third-party offers implementation complies with Google Play Store policies:

• User Consent: Offers are optional and clearly labeled
• Transparency: This policy clearly explains what offers are and how they work
• No Misleading Content: Offers are presented without false or deceptive claims
• Privacy: No sensitive personal data is shared without explicit consent
• User Control: Users can opt-out at any time

7. Children's Privacy

MyAverix Finance is designed for users aged 13 and above. We do not knowingly:

• Display third-party offers to users under 13
• Share any information with third parties for users under 13

If you are under 13, you cannot opt-in to receive third-party offers.

8. Security

When you interact with third-party offers:

• We use secure connections (HTTPS) for all data transmission
• Links to third-party websites are clearly marked as external
• We recommend verifying the URL before entering any personal or financial information

9. Changes to This Policy

We may update this Third Party Offers Policy from time to time. When we make changes:

• We will update the "Last Updated" date at the top of this policy
• Significant changes will be communicated through the app or via email if you have opted-in
• Your continued use of the offers feature after changes constitutes acceptance of the updated policy

10. Your Rights

You have the right to:

• Choose whether to receive third-party offers
• Change your preference at any time
• Opt-out completely from viewing offers
• Contact us with questions or concerns about third-party offers
• Report misleading or inappropriate offers

11. Contact Us

12. Agreement

By choosing to view third-party offers, you acknowledge that you have read, understood, and agree to this Third Party Offers Policy. If you do not agree with any part of this policy, please opt-out of receiving offers through your app settings.