Saturday, 15 August 2026

Privacy Policy for 2048

 

Privacy Policy for 2048

Effective Date: August 15, 2026

1. Introduction

This Privacy Policy explains how 2048 ("the App") handles user information.

 

We respect your privacy and are committed to keeping your information safe.

2. Information We Collect

2048 does not collect, store, or transmit personal information.

The App does not require users to create an account or provide:

  • Name

  • Email address

  • Phone number

  • Location

  • Contacts

  • Photos or files

  • Payment information

  • Login credentials

The game can be played without providing personal information.

3. Game Data

The App may store gameplay information such as:

  • Current score

  • High score

  • Game progress

This information is stored locally on the user's device and is used only to provide the game's functionality.

This gameplay data is not transmitted to our servers.

4. Data Sharing

We do not sell, rent, or share personal information with third parties.

The App does not send personal information to external servers.

5. Third-Party Services

The current version of 2048 does not use third-party advertising, analytics, tracking, or data collection services.

If third-party services are added in a future version, this Privacy Policy will be updated accordingly.

6. Data Security

Because the App does not collect or transmit personal information, there is no personal information maintained on our servers.

Gameplay information stored locally remains on the user's device and is subject to the security of that device.

7. Data Retention and Deletion

The App does not maintain personal information on our servers.

Locally stored game information, such as scores and game progress, can be removed by deleting the App or clearing its application data through the device's settings.

8. Children's Privacy

2048 does not knowingly collect personal information from children or other users.

Because the App does not require users to provide personal information, it can be used without submitting personal data.

9. Changes to This Privacy Policy

We may update this Privacy Policy when the App's features or data practices change.

Any updated version will be made available through the privacy policy URL associated with the App.

10. Contact Us

If you have questions about this Privacy Policy or the privacy practices of 2048, please contact:

Email: studiopmp65@gmail.com


Last Updated: August 15, 2026

Sunday, 19 July 2026

Todo Lite and Reminder privacy policy

 

Privacy Policy for Todo-Lite & Reminders

Effective Date: July 19, 2026

To-Lite & Reminders (“we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how our mobile application collects, uses, and protects your information when you use the app.

Information We Collect

To-Lite & Reminders is designed to help you manage tasks and reminders. The app may collect and store the following information:

  • Task and reminder data: Tasks, notes, reminder times, and related information that you create within the app.

  • App preferences: Settings such as notification preferences

  • Device information: Basic technical information required for app functionality, such as device type, operating system version, and app crash reports (if enabled).

How We Use Your Information

We use the information collected to:

  • Provide and maintain the app’s core features.

  • Save and display your tasks and reminders.

  • Send reminder notifications at the times you choose.

  • Improve app performance, stability, and user experience.

  • Fix bugs and troubleshoot technical issues.

Data Storage

Your tasks, reminders, and preferences are primarily stored locally on your device. We do not sell, rent, or trade your personal information to third parties.

If the app introduces cloud backup or synchronization features in the future, this Privacy Policy will be updated accordingly.

Permissions

To-Lite & Reminders may request the following permissions:

  • Notifications: To send reminder alerts at scheduled times.

These permissions are used only for the intended functionality of the app.

Third-Party Services

No third-party services used

Data Security

We take reasonable measures to protect your information from unauthorized access, loss, misuse, or disclosure. However, no method of electronic storage is completely secure.

Children’s Privacy

To-Lite & Reminders is not intended for children under the age of 13. We do not knowingly collect personal information from children.

Your Rights

You may delete your tasks and reminders at any time within the app. You may also uninstall the app to remove locally stored data from your device.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the app or on the app’s store listing, with an updated effective date.

Contact Us

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

Email: [studiopmp65@gmail.com]

By using To-Lite & Reminders, you agree to the terms of this Privacy Policy.

Saturday, 27 June 2026

Water Reminder privacy policy

 

Privacy Policy

Effective Date: June 27, 2026

Thank you for using Water Reminder.

Information We Collect

Water Reminder does not collect, store, or share any personal information.

If you save reminder settings or preferences, they are stored locally on your device and are not transmitted to any server.

Permissions

The app may request the following permissions:

  • Notifications – To send water reminder notifications at scheduled times.

  • Alarm & Exact Alarm (if applicable) – To deliver reminders reliably, even when the device is idle.

These permissions are used solely for the app's functionality.

Third-Party Services

This app does not use third-party analytics, advertising, or data collection services.

Children's Privacy

Water Reminder is not intended to collect personal information from children.

Changes to This Privacy Policy

This Privacy Policy may be updated from time to time. Any changes will be reflected on this page.

Contact

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

Email:[studiopmp65@gmail.com]

Thursday, 12 March 2026

மானம் இல்லாத வாக்காளர்கள்

 


எந்த வகையில் இது தீர்வு?.. சிறு வயதில் இருந்து வளர்த்த தன் பெண்ணை இனி அந்த பெற்றோர்கள் பிரிந்து வாழ வேண்டும்...இதில் இருந்து மீண்டு வர அவர்களுக்கு பல வருடம் ஆகும்.. இதற்கு எல்லாம் என்ன பதில்? (எல்லாம் ஒரு போதை இரவுக்காக தூ..)

அதிகாரிகள் ,அரசாங்கம், சட்ட துறை இவை மூன்றும் பல வருடங்களாக இருக்கிறது.. இருந்தும் குற்றம் செய்பவர்களுக்கு பயம் ஏற்பட மாட்டேன் என்கிறது.. இது இவர்களின் தோல்வி தானே?.. இதை அவர்கள் பகிரங்கமாக ஒத்து கொள்ள வேண்டும்....முடியுமா? 


அரசியல் வியாதிகளும்.. அதிகாரிகளும்.. பணம் இருந்தால் மட்டும் தான் ஒருவரை மதிப்பீர்களா?...


அஜீத் குமார். நகை திருடினாரா இல்லையா என்று இன்று வரை தெரியவில்லை.. ஆனால் அங்கு சட்டம் வேகமாக வேலை செய்கிறது...24 மணி நேரத்துக்குக் குற்றம் சாட்ட பட்டவர் இறந்து போகிறார்..


இங்கு பெண்ணை காணாம் என்று புகார் அளிக்க சென்றால் , பெண் சாகும் வரை எந்த நடவடிக்கையும் எடுக்க படவில்லை.. அதிக பட்சம் அவர்களால் செய்ய முடிந்தது, எல்லாம் முடிந்த பின் suspend

 இப்படிப்பட்ட விந்தையான உலகத்தில் தான் நாம் வாழ்கிறோம்...

Thursday, 8 January 2026

Home Loan Basics Everyone Should Know Before Applying, Reducing Interest amounts

The moment we dream about buying a house, then Home loan becomes inevitable part in our life for most of us, even if we disagree.

 

Who am I?

    A monthly salaried person who successfully closed 2 home loans in the last 10 years. Nothing more or Nothing less.



 

Why this blog is for?

   I have observed many borrowers have a lack of clarity on how a home loan works, especially the new home buyers. I thought to cover a few basic points regarding home loans.

 

Is this blog for you?

 Yes, if you are already possessing  a home loan or planning to buy one.

 However, this blog is going to help peoples or may get them some ideas for those who likes to close the loan as soon as possible. 

Not for those peoples, who tactically keep the home loan for longer years as they have ability to redirect the earnings to different investment for better returns.

 

Caution:

  I am not a financial expert, Just a common man who like to help novice people's.

 1. "No of Terms" and EMI are proportionally balanced for the same Interest rate.

             

  This means,if the "EMI per month" increased then the "No of Terms" must come down and vice versa is true for the same Interest rate.  Both ropes are part of the same game, if one is pulled the other one has to come forward.

Now you have the full rights to ask "Huh...Who don't know this?".

Yes you are right.. everyone know this. But understanding this is very important in real time. 

Once I had experience where my EMI was reduced but the number of terms remains same in the bank system due to error,  I had to do multiple email conversation and few phone calls to correct this in the system. Honestly Until then I did not understand the proportional balance between EMI and Terms. 

For example, Watch the "No of Terms" and "Emi Payable"

     




2. Pay more Interest amount than the Principal amount for most of the Installments.

     This does surprise the home loan borrowers who do not know this information before they complete couple of years of Installments.

 

For example, 

Loan : 2,000,000  Interest rate:9 and Terms 240

We would need to pay a total interest amount of 2, 318,684.59/-

 


 We have to pay  Interest amount of 15000 on a total EMI of 17,984 for the first installment

 Moving on, It does reduce the Interest amount gradually which is Increasing the Principal after each month,

 But only on and after  the 149th Installment, the Interest amount  we pay will become lesser than the Principal amount on a total term of 240  months(20 years).

            

 

 

3.  Choose to reduce your term over the EMI on a prepayment

       Our hard earned savings is the source of the prepayments for most of us. if you decide to prepay a partial amount towards the Loan principal balance. 

you will be asked to choose one of the two options.

a)  Opt to "Reduce the Terms"

b)  Opt to "Reduce the EMI"

If we opt to reduce the  "Terms".. the EMI will remain same. This will not give you any buffer amount on your monthly expenses when the EMI is same.

 But opting to reduce the EMI .. the "Terms" will remain same. this will definitely relax your monthly expenses.

However, if we look in a long term,  Reducing the "Terms" will benefit more in Interest amount being paid.

 

For example,

If you like to do a Partial payment of 200000 after 12 Installment.

 

Reducing the Terms will save you 707,988 (7 lakhs)

 

 

 

But, Reducing the EMI will save you only 218184.93 (only around 2 lakhs)

       

 



 

 

 4. Last but not least.. You can workout your  own Loan amount, EMI and Terms in the below Andriod app.  

(Click the below link)

EMI calculator 

 

 

Thank you!!! All the Best!!!

 

Please leave your comments and Feedback in the comments section. 
 

 

 

 

   

 

 



 

 

 



Tuesday, 26 November 2024

திரையுலகின் பிராய்லர் கோழிகள்

 இந்த காலத்தில் நடிகர்கள் சுயம்புவாக வளர்கிறார் என்பதை ஏற்றுக் கொள்ள முடியவில்லை. 

PR  டீம் மற்றும் சில பல  lobby மூலம் நடிகர்களின் பிம்பம் ஊதி பெரிதாக்கபட்டு ( ஒரு பிராய்லர் கோழி போல) , மக்கள் மனதில் திணிக்க படுகிறது என்றே தோன்றுகிறது. 

சமீபத்திய பிராய்லர் கோழி தான் இந்த சிவகார்த்திகேயன்

 சில சம்பவங்கள்

  1 . கோட் படத்தில்  SK   வலுக்கட்டாயமாக தினிக்கபட்டு   விஜய்யின் துப்பாக்கியை வாங்குகிறார். இது சோசியல் மீடியாக்களில் விவாதம் ஆக்க படுகிறது. 

2.அஜித்  "welcome to big league" என்று SKயிடம் கூறுகிறார். இது செய்தி ஆக்கப்பட்டது

 3.ஒரு பேட்டியில் SKயிடம் விஜய்யின் துப்பாக்கி எப்படி இருக்கிறது என்று கேட்க பட்டது, தற்செயலாக நடந்தது? இதற்கு அவர் அளித்த பதில்  செய்தி ஆக்கப்பட்டது

4.அமரன் படத்திற்கு கமல் என்ற லேபிள் ஒட்டி பெரிய அளவில் பிரமோசன் செய்ய பட்டது. 

5.நாட்டின் முதலமைச்சரே அமரன் படத்தை திரையரங்குகளில் கண்டு ரசித்தது செய்தி ஆக்கப்பட்டது. 

6.படம் வெளியாகி இரண்டு வாரத்தில் கொஞ்சம் டவுன் ஆனவுடன்..  SK ராணுவ உடையுடன் மனைவியை ஆச்சரிய படுத்திய வீடியோ வைரல் ஆகிறது ( வைரல் ஆக்கப்பட்டது?) 

7.இதை விட முக்கியம் , கோட், கங்குவா போன்ற பெரிய நடிகர்களின் படங்களின் காட்சிகள் YouTube Shortsகளாக முதல் நாளே வெளிவரும்  ஆனால் அமரன் படத்தின் காட்சிகள் மூன்று வாரம் வரை YouTubeல் வெளிவரவில்லை. 

மேலே குறிப்பிட்ட அனைத்தும் நான்கு மாத கால கட்டத்துக்குள் நடந்தது, இவை அனைத்தும் தற்செயலாக நடந்தது என்று என்னால் நம்ப முடியவில்லை. 

உங்களால் நம்ப முடிகிறதா? 


இந்த படம் முன்னூறு கோடி வசூல் செய்ததாக கூறப்படுகிறது. இதில் ஏதும் முறைகேடு இருக்கிறதா என்று தெரியவில்லை.. 

மக்களை இவ்வளவு எளிதாக ஏமாற்ற முடியும் என்று இவர்கள் நம்புகிறார்கள். அது தான் உண்மை. 




Friday, 1 May 2020

Understanding of Human Fat - Decoded and dissolved, Check this out

Hi All

Many of us are living with a problem of Over-weight. In recent years, I have learned a trick to transform my body from Over-weight😒😒😒😒   to a Perfect-weight 😊😊😊😊.

This post is to reveal the trick and share my experience.

DISCLAIMER: I am not a doctor.

Overweight does not only fault your appearance, But sometimes this issue is very close to the heart for few of us and it just hurts in your daily life progress.

Sometimes, When you meet one of your friend after couple of months and suddenly he/she observes and say "oh, Man you look a little more fat "... Then it could spoil your mood for the complete day.
I had faced this many times. Or It just could try to wear a dress/shirt for the first time in few months and you realize the dress goes out of fit. These are the worst feelings and can shake your confidence.
Yes, it's close to the heart feelings.

Let's come to the point,

My Journey of becoming perfect weight was only four months, In January, I was 78 kg and in April I reduced to 68 kg.
 
To start with, Question for you to self-evaluate.

Human body is made up of cells, When a person was 100 kg weight and he managed to reduce it to 70 kg, Assume he had 100000 cells before he reduce the weight.
Question is how much cells he would have now after weight loss?

Answer is when the body weight is reduced from 100 kg to 70 kg, The total number of cells in the body remain constant, what makes you look fat is not the number of cells, in fact it is the size of the fat cell. the size of the cell becomes big and body part belongs to those cells looks fat and flabby.

for example, Belly.
 __________________________________________________________________________
So, Now what makes a fat cell big?
           If a cell contains a bad fat, then it looks big. the bad fat is injected in to a cell is taken from the blood. In detail, Blood is a circulating fluid and carries all the necessary vitamins, minerals ,fat produced by the digestive system to all living cells.

__________________________________________________________________________
So, Why blood carries a bad fat? or How bad fat is mixed with blood?
           Improper digestion of foods inside our digestive systems leads to output of impure/toxic substances of fats, vitamins, minerals etc.   These bad substances mixed with blood and transported to living cell.

__________________________________________________________________________
So, Why a food is not properly digested?
           This is the critical part and holds my trick , In this section,we will see why improper digestion and how to fix it.
__________________________________________________________________________

One of the main reason which I experienced is eating the food in big pieces,  slight chewing , almost swallowing, Once the big chunk of food reaches the stomach, Literally the stomach acid struggles to digest the food and food is improperly digested.

To explain this in the way I understand with an example. Slice a potato and take a big piece and do oil fry for 2 minutes, you will see the inner portions would be soft and still partially fried/not fried at all, Unlike the outer portions, the outer portions will be crispy, completely fried.

but if you take a small piece of potato and fry it for 2 minutes, you can see all inner/outer portions of that piece would have properly fried.

The trick is to make sure you intake a food in small pieces which is very convenient  for digestive system.

When a Food is properly digested, All other problems will be automatically fixed. The digestive system will produce Good vitamins, minerals , fat and mix with blood. When you have  a pure blood. it will feed all the cells with good nutrients, vitamins, fats etc. this way your fat cell also will have the good fat and you will automatically see yourself in a perfect weight for your height.

This is what I did and it sounds to me more logical when I learned this from my MASTER.
More importantly it worked for me.

Find the solution part- step by step process and my experience following this.

Solution:

a. You teeth is your Boon, Once you intake a piece of food, Chew it, chew it, chew it, chew it. Until you   realize/feel the food is broken down in to small pieces and it is getting mixed with your saliva. Literally once you will feel this, then eat the food to your stomach.
This way you have to chew a food at-least 15 times before you intake. Mixing the food with Saliva will help you in digestive system. Saliva is a great catalyst for digestion unlike Water.

Then take the second piece of food and repeat the same process until you complete your meal.


b. Drinking water - Water is not good for digestion, because when you drink water while taking food, The water can dissolve the stomach acid and can reduce the intense and will become impotence, All to affect the digestive system..

so why to drink water when you eat your food, or when you are hungry.
Strictly Avoid drinking water for 30 minutes before your meal, while taking your meal and 30 minutes after your meal.

c.  Swallowing Air inside the digestive system- Air is another substance which could weak your digestive system. Stomach acid could not properly digest the food ,So once you intake a food, Close your mouth to restrict the air from outside and start chewing it, chew it chew it, We should not open the mouth until you are not ready to intake the next piece of food.

d.Stop eating - Once your stomach acid is completely discharged, this might not be generated until you next meal. So you should not take a food once the stomach acid is over for a meal. There is a good indication that your digestive system will send you a message to stop eating in the form of burp
burp- a small amount of air released from your stomach to mouth, the noise will be very small and this is the indication the food is properly digested. you can wait for couple of burps to happen before you stopping your meal.

Note: There is another type of burp happen with the smell of food that you ate. this is different and indicates indigestion, Generally this will happen once after couple of hours of your meal , This burp is little noisy and with a food smell.

e. Stomach acid - You should eat your food only when the stomach acid is generated/formed inside the digestive system, but how do you know the digestive system is ready to digest food ?
 It's simple. you will feel hungry, you should eat the meal only when you feel hungry, otherwise don't take the meal until you feel hunger.


Summary :

a. Chew a piece of food at-least 15 times, Mix it with saliva before taking it to stomach.
b. Don't drink water, 30 minutes before the meal, taking the meal and after the meal.
c. Close your mouth and restrict the Air while eating.
d. Stop eating when the burp is released from the stomach through your mouth.
e. Eat only if you are hungry.


My experience:
a. Initial days when I started this, I started feeling a pain in my chin and mouth part because of proper chewing . So if you don't feel the pain then you are not eating properly.

b. It is completely OK, if you are not able to follow this method of eating continuously.  the benefit is counted for each time you eat in this method. honestly I followed only 60 to 70 percent of times from January to April month. I still see a very good result.

c. I felt this method of eating resolves other stomach problems like constipation, stomach upsets, stomach is relaxed.

d. I could not follow this method for any continuous three weeks in that 4 month period.
    sometimes I get stomach upsets , To fix any stomach upsets, you should not take any further meal until the stomach get's normal. I always skip my dinner and would not take a food until I feel hungry again, This way, we are off-loading the work from digestive system  and giving the body sometime to fix all the stomach issues.

e. Sometimes I eat salty food and tempted to drink water, In that case , Just drink a very little water, I follow this sometimes but not for all meal.

f. Sometimes you will  not  feel hungry, but you might have to eat due to unavoidable dinner with friends, this is OK, just go and hang-out, Just make sure not to do it frequently.

g. One important note
    This method does not require you to do any exercises and you can eat anything, there is no restriction.
___________________________________________________________________________

Everyone needs a master to learn something, I had learned this from a book written by
healer basker - Public figure in Tamil Nadu, India.

He wrote a book called Anatomic therapy and available in Tamil, English, Kannada, Hindi, Telugu and Malayalam.
I would suggest you to read this and it has lot of heath benefits more than just a weight-loss.

Book can be downloaded at the below link.
https://drive.google.com/drive/folders/0B84RqTEtW-vQUTNpV3B2ZmpJd3M
Login- if required.

All the Best.. Please leave your comments if you found this post useful.