Privacy Policy

FinCalc India ("we", "us", "our") operates the website fincalc-india.com, a free financial calculator website designed for Indian users. We provide calculators for SIP, EMI, Income Tax, GST, FD, EPF, NPS, and many other personal finance topics.

This Privacy Policy explains how we collect, use, share, and protect information about visitors to our website ("you", "user").

Our website is operated as an independent financial education and tools platform. We are not a bank, insurance company, or SEBI-registered investment adviser. We earn revenue through affiliate partnerships and Google AdSense advertising.

We collect the following types of information:

We do not collect: financial account numbers, credit card details, Aadhaar numbers, PAN numbers, passwords, or any sensitive financial data. All calculation inputs (salary, EMI amount, etc.) are processed entirely in your browser and are never sent to our servers.

• To provide personalized calculator results: Your name is used to personalize result headings (e.g., "Here's your result, Rahul 👋"). This is processed in your browser only.
• To remember your session: We store your details in your browser's localStorage so you don't have to fill the form again in future visits to our site.
• To send relevant financial offers: Your email and phone may be used to send information about financial products relevant to your calculator usage (e.g., if you used our SIP calculator, we may share information about mutual fund offers). We do this sparingly and only for clearly relevant products.
• To improve our website: Aggregate usage data (which calculators are most used, which pages get most traffic) helps us prioritize improvements. This data is never linked to your personal identity.
• For affiliate attribution: When you click an affiliate link, our affiliate partners may receive information that you clicked the link from our site. We receive a commission if you purchase a financial product. Your personal data is not shared with affiliates directly.
• For legal compliance: We may retain data as required by applicable Indian law.

When you submit the lead capture form (name, email, phone) on our site, the following happens:

• Your data is stored in your browser's localStorage on your device — this is local storage, not a server database. It persists until you clear your browser data.
• In the future, as our site scales, we may also transmit this data to a secure backend database (such as Google Sheets via a form webhook, or a CRM like HubSpot) to allow us to follow up with relevant financial offers. If and when we implement this, we will update this policy and notify users.
• Your data is never sold to data brokers or third-party marketers.
• Your data may be shared with specific affiliate partners (e.g., if you expressed interest in a home loan, we may share your contact with BankBazaar) only with your implicit consent through your use of our affiliate links.

We use the following types of storage on your device:

By using our website, you consent to the use of these storage mechanisms. Our calculators require localStorage to function properly (for session management). Disabling JavaScript will disable our calculators entirely.

FinCalc India participates in affiliate marketing programs. This means we earn a commission when you click on certain links on our website and subsequently purchase a financial product (credit card, insurance policy, mutual fund investment, loan, etc.).

Our affiliate partners include, but are not limited to:

• Groww — Mutual fund investments (groww.in)
• BankBazaar — Home loans, personal loans, credit cards, FDs (bankbazaar.com)
• PolicyBazaar — Life insurance, term plans, health insurance (policybazaar.com)
• ClearTax — Income tax filing, GST software (cleartax.in)
• Zerodha Coin — Direct mutual funds (coin.zerodha.com)
• ET Money — Mutual fund investments (etmoney.com)
• Ditto Insurance — Term insurance advisory (joinditto.in)
• MoneyView — Personal loans (moneyview.in)
• NoBroker — Rental accommodation (nobroker.in)
• RazorpayX — Business banking (razorpay.com)
• Fi Money — Savings accounts (fi.money)
• HDFC Pension — NPS accounts (hdfcpension.com)

When you click an affiliate link, you will be directed to a third-party website. These third-party sites have their own privacy policies, which govern the data they collect when you visit and transact. We encourage you to read their privacy policies before providing any personal or financial information.

Our commissions do not affect the price you pay for any product or service. We only recommend products that we genuinely believe can be useful for our users' financial goals.

We use Google AdSense to display advertisements on our website. Google uses cookies to serve ads based on your prior visits to our website and other websites on the internet. Users may opt out of personalized advertising by visiting Google's Ads Settings.

We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as how often users visit our site, what pages they visit, and what other sites they used prior to coming to our site. We use this information only to improve our site. Google Analytics collects only the IP address assigned to you on the date you visit our site, not your name or other identifying information. We do not combine the information collected through Google Analytics with personally identifiable information.

For more information about how Google uses your data, visit: policies.google.com/privacy

Currently, all personal data submitted through our lead capture form is stored only in your browser's localStorage on your device. We do not operate a centralized server database for user personal data at this time.

This means:

• Your data is stored on your own device, not on our servers
• Clearing your browser data / localStorage removes your data completely
• Your data is not accessible to us remotely unless you choose to share it by clicking affiliate links

If you access our site from multiple devices, each device stores data independently — data does not sync across devices.

We take reasonable precautions to protect our website itself against unauthorized access, including using HTTPS encryption for all pages.

Under the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, you have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal information we hold about you
• Right to Correction: You may request correction of inaccurate personal information
• Right to Deletion: You may request deletion of your personal information from our records
• Right to Withdraw Consent: You may withdraw consent to our processing of your personal data at any time
• Right to Grievance Redressal: You may raise a grievance with our Grievance Officer (details below)

To exercise any of these rights, please contact us at privacy@fincalc-india.com. We will respond within 30 days.

Our website is intended for adults (18 years and above) who are capable of making independent financial decisions. 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 under 18 has provided personal information to us, please contact us immediately at privacy@fincalc-india.com and we will delete such information promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make significant changes, we will:

• Update the "Last Updated" date at the top of this policy
• Display a notice on our website homepage for 30 days after the change
• If we have your email address, send you a notification email

Your continued use of our website after any changes to this policy constitutes your acceptance of those changes. We encourage you to review this Privacy Policy periodically.

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

For complaints related to online data privacy, you may also contact the Ministry of Electronics and Information Technology (MeitY) at meity.gov.in.