Privacy Policy

1. Introduction

Welcome to Indian Finance Calculator. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website indianfinancecalculator.com and use our free financial calculators.

2. Information We Collect

2.1 Information You Provide (Not Stored)

When you use our calculators, you may enter various financial information such as:

• Income Tax Calculator: Salary, deductions, investments under Section 80C, 80D, HRA
• EMI Calculator: Loan amount, interest rate, tenure
• SIP Calculator: Monthly investment amount, expected returns, investment period
• Salary Calculator: CTC, basic salary, allowances
• GST Calculator: Product price, GST rate
• PPF/FD/NPS Calculators: Investment amount, tenure, interest rates
• Loan Eligibility: Monthly salary, existing EMIs
• Other Calculators: Age, dates, percentages, amounts

2.2 Automatically Collected Information

We automatically collect certain technical information when you visit our website:

• Device Information: Device type, operating system, browser type and version
• Usage Data: Pages visited, time spent on pages, click patterns, referring websites
• IP Address: Your Internet Protocol address (anonymized)
• Location Data: Approximate geographic location (city/state level only)
• Cookies and Tracking: Cookie identifiers for analytics and advertising

2.3 Google Analytics Data

We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as how often users visit the site, which pages they visit, and which websites they came from. This helps us improve our calculators and user experience.

3. How We Use Your Information

We use the automatically collected information for the following purposes:

3.1 Website Improvement

• Understand which calculators are most used (Income Tax, EMI, SIP, etc.)
• Identify technical issues and improve calculator performance
• Optimize website speed and user interface design
• Add new calculators based on user demand

3.2 Analytics and Research

• Analyze traffic patterns and user behavior
• Generate aggregate statistics (number of visitors, popular pages)
• Understand geographic distribution of users across India
• Track calculator usage trends over time

3.3 Advertising

• Display relevant advertisements through Google AdSense
• Enable targeted advertising based on browsing behavior
• Measure advertising effectiveness and performance
• Support our free calculator services through ad revenue

3.4 Security and Fraud Prevention

• Detect and prevent fraudulent activities
• Monitor for spam, abuse, or malicious use of calculators
• Protect against automated scraping or bot traffic
• Ensure website security and integrity

4. Cookies and Tracking Technologies

4.1 What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us remember your preferences and understand how you use our calculators.

4.2 Types of Cookies We Use

4.3 Managing Cookies

You can control and delete cookies through your browser settings:

• Chrome: Settings → Privacy and Security → Cookies and other site data
• Firefox: Options → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions

Note: Disabling cookies may affect calculator functionality and your user experience. Essential cookies are required for the website to work properly.

5. Third-Party Services and Data Sharing

5.1 Google Services

We use the following Google services:

5.2 When We Share Information

We may share automatically collected information in the following circumstances:

• Service Providers: Analytics and advertising partners (Google)
• Legal Requirements: When required by Indian law or legal process
• Business Transfers: In case of merger, acquisition, or asset sale
• Consent: When you explicitly consent to sharing

6. Data Security

6.1 Security Measures

We implement industry-standard security measures to protect your information:

• HTTPS Encryption: All data transmission is encrypted using SSL/TLS
• Client-Side Processing: Calculator data never leaves your browser
• Secure Hosting: Website hosted on secure, monitored servers
• Regular Updates: Security patches and software updates applied promptly
• Access Controls: Limited access to any collected analytics data
• No Database Storage: We don't maintain databases of user financial information

6.2 Your Responsibility

While we take security seriously, you should also take precautions:

• Use secure internet connections (avoid public WiFi for sensitive calculations)
• Keep your device and browser updated with latest security patches
• Clear your browser cache and history after using calculators on shared devices
• Never share screenshots of calculator results containing sensitive information

7. Children's Privacy

Indian Finance Calculator is intended for adults aged 18 and above who are planning their finances, taxes, and investments. We do not knowingly collect personal information from children under 18 years of age.

If you are a parent or guardian and believe your child has used our calculators and we have inadvertently collected their information, please contact us immediately so we can delete such information.

8. Your Privacy Rights

8.1 Rights Under Indian Law

As a user in India, you have the following rights:

• Right to Access: Request information about data we collect
• Right to Correction: Request correction of inaccurate data (though we don't store calculator inputs)
• Right to Deletion: Request deletion of your data from our analytics
• Right to Opt-Out: Opt out of cookies and targeted advertising
• Right to Complain: Lodge complaints with relevant authorities

8.2 How to Exercise Your Rights

To exercise any of these rights, contact us at:

9. International Data Transfers

Our website is primarily intended for users in India. However, some third-party services we use (Google Analytics, Google AdSense) may transfer data internationally. These services comply with data protection regulations and use appropriate safeguards.

Your calculator inputs are never transferred anywhere because they are processed entirely in your browser and not sent to any server.

10. Data Retention

10.1 Calculator Data (Zero Retention)

Retention Period: 0 days - All calculator inputs and results are processed in your browser and automatically deleted when you close the tab or navigate away. We never store this information.

10.2 Analytics Data

Google Analytics data is retained for 26 months as per Google's default retention period. This includes:

• Page views and navigation patterns
• Device and browser information
• Anonymized IP addresses
• Geographic location (city level)

10.3 Cookie Data

Cookies are retained for varying periods (session to 2 years) depending on their purpose. You can delete cookies anytime through your browser settings.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect:

• Changes in our data collection practices
• Updates to Indian data protection laws
• New features or services we offer
• Feedback from users and regulators

When we make significant changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Continued use of our website after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: