Privacy Policy

Effective Date: January 26, 2026
Last Updated: January 26, 2026

1. Introduction

Welcome to Finance Calculators India ("we," "our," or "us"). 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 www.financetoolspro.com (the "Site").

By accessing or using our Site, you agree to the terms outlined in this Privacy Policy. If you do not agree with our policies and practices, please do not use our Site.

2. Information We Collect

2.1 Financial Calculator Data

We DO NOT collect, store, or transmit any financial data you enter into our calculators. All calculations (EMI, salary, income tax) are performed entirely in your web browser using JavaScript. Your financial information never leaves your device and is not sent to our servers.

2.2 Automatically Collected Information

When you visit our Site, we may automatically collect certain information about your device and usage patterns, including:

• Device Information: Browser type, operating system, device type (mobile/desktop)
• Usage Data: Pages visited, time spent on pages, click patterns, referring/exit pages
• Technical Data: IP address (anonymized), approximate geographic location (city/country level), language preferences

This information is collected through cookies and similar tracking technologies (see Section 5).

2.3 Voluntarily Provided Information

If you contact us through our contact form or email, we collect:

• Name
• Email address
• Message content
• Any other information you choose to provide

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To provide, maintain, and improve our calculators and website functionality
• Analytics: To understand how users interact with our Site and identify areas for improvement
• Communication: To respond to your inquiries and provide customer support
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Security: To detect, prevent, and address technical issues, fraud, and abuse
• Advertising: To display relevant advertisements through Google AdSense (see Section 7)

4. How We Share Your Information

We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:

4.1 Service Providers

• Analytics Providers: Google Analytics (anonymized data)
• Advertising Networks: Google AdSense for displaying ads
• Hosting Providers: Web hosting and content delivery services

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, government agencies).

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Cookies and Tracking Technologies

5.1 What Are Cookies?

Cookies are small text files stored on your device by your web browser. They help websites remember your preferences and improve your experience.

5.2 Types of Cookies We Use

• Essential Cookies: Required for basic site functionality (e.g., remembering your calculation inputs during the session)
• Analytics Cookies: Google Analytics cookies to understand site usage and performance
• Advertising Cookies: Google AdSense cookies to display personalized ads

5.3 Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to:

• View and delete cookies
• Block third-party cookies
• Block cookies from specific sites
• Block all cookies (this may affect site functionality)

To opt out of Google Analytics tracking, visit: Google Analytics Opt-out

6. Third-Party Services

6.1 Google Analytics

We use Google Analytics to analyze Site traffic and usage patterns. Google Analytics collects anonymous information and reports website trends without identifying individual visitors. For more information, see Google's Privacy Policy.

6.2 Google AdSense

We use Google AdSense to display advertisements on our Site. Google may use cookies to serve ads based on your prior visits to our Site or other websites. You can opt out of personalized advertising by visiting Google Ad Settings.

6.3 External Links

Our Site may contain links to third-party websites (e.g., loan comparison platforms, banks). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

7. Data Security

We implement reasonable technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• HTTPS encryption for secure data transmission
• Regular security audits and updates
• Access controls and authentication mechanisms
• Secure hosting infrastructure

Important: While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

8. Data Retention

We retain information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. Specifically:

• Calculator Data: Not retained (all calculations are client-side)
• Contact Form Data: Retained for up to 2 years for support purposes
• Analytics Data: Retained according to Google Analytics default retention periods (26 months)

9. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of marketing communications or data collection
• Data Portability: Request your data in a structured, machine-readable format
• Withdraw Consent: Withdraw consent for data processing where applicable

To exercise these rights, please contact us at privacy@financetoolspro.com.

10. Children's Privacy

Our Site is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

11. International Users

Our Site is operated from India and intended primarily for users in India. If you access our Site from outside India, please be aware that your information may be transferred to, stored, and processed in India. By using our Site, you consent to such transfer and processing.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. The "Last Updated" date at the top of this page indicates when the policy was last revised.

We encourage you to review this Privacy Policy periodically. Continued use of our Site after changes constitutes your acceptance of the updated policy.

13. Disclaimer

13.1 Accuracy of Information

While we strive to provide accurate and up-to-date information, our calculators are for informational purposes only. Results should not be considered as financial, legal, or tax advice. We recommend consulting with qualified professionals for personalized guidance.

13.2 Liability

We are not liable for any decisions made based on calculations performed using our tools. Users are responsible for verifying results and seeking professional advice when necessary.

13.3 No Warranty

Our Site is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

14. Contact Us

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

15. Governing Law

This Privacy Policy and any disputes arising from it shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any legal action or proceeding shall be brought exclusively in the courts located in India.

16. Acceptance of This Policy

By using Finance Calculators India, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of our Site immediately.