Privacy Policy

1. Information We Collect

We may collect the following types of information when you use our Website:

Personal Data You Provide

• Contact Information: If you use forms or contact us, we may collect your name, email address, phone number, or other details you voluntarily share.
• Financial Information: When using our calculators, you may input data such as income, loan amounts, or investment figures. We do not store this information unless explicitly saved by you (e.g., via an account feature, if available).

Data Collected Automatically

• Usage Data: We collect details about your interaction with the Website, such as pages visited, time spent, and calculator usage, using cookies and similar technologies.
• Technical Data: We collect your IP address, browser type, device details, and access logs for analytics and security purposes.

Third-Party Data

• We may use third-party tools (e.g., Google Analytics) to collect usage data. See Section 5 for details.

We do not collect sensitive personal data from minors under 18 without parental consent, as per Indian law. If you are under 18, please refrain from providing personal information unless authorized by a parent or guardian.

2. How We Use Your Information

We use your information for the following purposes:

• To provide and improve our financial calculators and Website functionality.
• To analyze usage patterns and enhance user experience.
• To respond to your inquiries or provide support.
• To secure our Website and prevent unauthorized access or fraud.
• To comply with legal obligations under Indian laws.

Calculator inputs are processed in real-time and not retained unless you opt to save them (e.g., through an account, if offered), and such data is used only to improve your experience.

3. Legal Basis for Processing

Under the DPDP Act, we process your personal data based on:

• Consent: Your explicit consent when you provide data or use our services.
• Legitimate Purpose: For providing services, improving the Website, or meeting legal requirements, as permitted by law.

You may withdraw consent at any time by contacting us (see Section 11), though this may limit your ability to use certain features.

4. How We Share Your Information

We do not sell or rent your personal data. We may share it only in these circumstances:

• Service Providers: With trusted third parties (e.g., hosting providers, analytics services) who assist us, subject to data protection agreements.
• Legal Compliance: When required by Indian laws, government authorities, or courts, or to protect our rights and safety.
• Business Transfers: In case of a merger, acquisition, or asset sale, with prior notice to you.

5. Cookies and Tracking Technologies

We use cookies and similar tools to:

• Monitor Website usage and improve performance.
• Store preferences (if applicable).
• Enable analytics via third-party services.

You can control cookies through your browser settings, though disabling them may affect Website functionality.

6. Third-Party Services

We use Google Analytics to analyze Website usage. Google may collect data like your IP address and browsing behavior. See Google’s Privacy Policy for details. You can opt out using their opt-out tool.

Our Website is hosted in India, but third-party links (if any) follow their own privacy policies, for which we are not responsible.

7. Data Security

We employ reasonable security measures, including encryption and secure servers, to protect your data from unauthorized access, loss, or misuse, as required under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011. However, no online system is fully secure, and we cannot guarantee absolute protection.

8. Your Rights Under Indian Law

Under the DPDP Act, 2023, you have the following rights:

• Right to Access: Request details of your personal data we process.
• Right to Correction: Ask us to correct inaccurate or incomplete data.
• Right to Erasure: Request deletion of your data, subject to legal retention obligations.
• Right to Withdraw Consent: Stop us from processing your data where consent is the basis.
• Right to Nominate: Designate a nominee to manage your data in case of incapacity or death (if applicable).

To exercise these rights, contact us at [email protected]. We will respond within 30 days, as mandated by law.

9. Data Retention

We retain personal data only as long as necessary for the purposes outlined or as required by Indian laws (e.g., tax or financial regulations). Usage data may be anonymized and kept indefinitely for statistical analysis.

10. International Data Transfers

Our Website is hosted in India. If you access it from outside India, your data may be transferred to India and processed under Indian laws. We ensure compliance with cross-border data transfer rules under the DPDP Act, where applicable.

11. Changes to This Privacy Policy

We may update this policy to reflect changes in our practices or legal requirements. Updates will be posted here with a revised "Effective Date." We recommend reviewing it periodically.