Privacy Policy

1. Information We Collect

We collect minimal data to operate and improve the site. Here is what we may collect:

a) Automatically Collected Data

When you visit our website, our servers and analytics tools may automatically log:

• Your IP address (anonymised)
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring URL (the site that brought you here)

This data is used solely for analytics, performance monitoring, and security purposes.

b) Calculator Inputs

Numbers and values you enter into our calculators (loan amounts, income, tax figures, etc.) are processed entirely within your browser using JavaScript. This data is never sent to our servers and is never stored or logged.

c) Contact Form

If you use our Contact page to send us a message, we collect your name, email address, and the message content. This is used only to respond to your query.

2. Cookies

We use cookies to enhance your experience on our site. Cookies are small text files stored in your browser.

We use the following types of cookies:

• Essential cookies — Required for the website to function correctly (e.g. remembering your preferences within a session).
• Analytics cookies — We use Google Analytics to understand how visitors use our site. Data collected is anonymised and aggregated.
• Advertising cookies — We use Google AdSense to display relevant advertisements. Google may use cookies to serve ads based on your prior visits to our site and other sites. You can opt out via Google's Ad Settings.

You can manage or disable cookies through your browser settings at any time. Note that disabling cookies may affect the functionality of some features.

3. Google AdSense & Third-Party Advertising

We use Google AdSense to display advertisements on our site. Google, as a third-party vendor, uses cookies to serve ads based on a user's prior visits to our website or other websites on the internet.

Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet. You may opt out of personalised advertising by visiting www.google.com/settings/ads.

For more information on how Google uses data when you use our site, visit Google's Privacy & Terms.

4. Google Analytics

We use Google Analytics to collect anonymised information about how visitors use our site. This helps us improve content and user experience. Google Analytics uses cookies to collect data such as the number of visitors, pages visited, and traffic sources.

All data collected through Google Analytics is anonymised. We do not use it to identify individual users. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

5. How We Use Your Information

We use the information we collect to:

• Operate, maintain, and improve the website and its calculators
• Analyse website traffic and usage patterns
• Respond to contact form enquiries
• Display relevant advertising via Google AdSense
• Ensure the security and integrity of the site

We do not sell, trade, or otherwise transfer your personal data to third parties, except as described in this policy (i.e. Google Analytics and Google AdSense).

6. Data Retention

Contact form submissions are retained for up to 12 months and then securely deleted. Anonymised analytics data may be retained longer for trend analysis purposes.

Since calculator inputs are never sent to our servers, there is nothing to retain or delete for those.

7. Your Rights

Under applicable Indian and international data protection laws, you have the right to:

• Request access to any personal data we hold about you
• Request correction or deletion of your personal data
• Withdraw consent to processing at any time
• Lodge a complaint with a relevant data protection authority

To exercise any of these rights, contact us at kumar.ranjan5079@gmail.com.

8. Children's Privacy

Our website is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will promptly delete it.

9. External Links

Our website may contain links to external websites (for example, the RBI website or government tax portals). We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policy of every website you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will revise the "Last updated" date at the top of this page. We encourage you to review this policy periodically.

Continued use of the website after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

📧 Email: kumar.ranjan5079@gmail.com

🌐 Website: www.calculatorcalculator.site

Or use our Contact page.