Privacy Policy

1. Introduction

CalcWise.Finance (“we”, “us”, or “our”) operates the website https://calcwise.finance (the “Website”). This Privacy Policy explains how we collect, use, disclose, and protect your information in strict compliance with Indian laws, including the Digital Personal Data Protection Act, 2023 (DPDP Act) and the Information Technology Act, 2000.

It also explicitly addresses our requirements as a publisher using Google AdSense to ensure full transparency regarding how advertising cookies and third-party vendors handle your data. By accessing or using our Website, you consent to the practices described in this Policy.

2. Information We Collect

We prioritize data minimization. Important Note regarding our Calculators: We do not store, transmit, or save any personal financial data (such as salary details, loan amounts, or investment figures) entered into our calculators. All calculations are processed locally within your internet browser for the duration of your session.

2.1 Non-Personal Information

• Usage Data: Through Google Analytics, we collect anonymous data such as pages visited, time spent, device type, browser, and approximate location (country/state level, e.g., India).
• Cookies and Tracking Technologies: We use cookies for website functionality, analytics, and advertising. For details, see our Cookie Policy.
• Log Data: Server logs temporarily capture anonymized IP addresses, access times, and referral sources strictly for security and performance monitoring.

3. Google AdSense & Advertising Cookies

To keep our financial tools free for users, we use Google AdSense to display advertisements. In accordance with Google’s Publisher Policies, please note the following:

• Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites on the Internet.
• Google’s use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our site and/or other sites on the Internet.
• Opt-Out: Users may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.

4. Third-Party Services

Beyond advertising, we use trusted third parties to improve our site:

• Google Analytics: For anonymous usage statistics. Data is processed per Google’s policy (Google Privacy Policy).

We do not sell or rent your data. Any third-party processing is bound by data protection agreements and complies with the cross-border data transfer regulations of the DPDP Act.

5. Data Security

We implement reasonable security practices as mandated by the IT Rules 2011, including HTTPS encryption and secure server hosting. Because we do not store personal financial data, the risk of data breaches is fundamentally minimized.

6. Your Rights (Under DPDP Act 2023)

As a “Data Principal” under Indian law, you have the right to:

• Withdraw Consent: Revoke cookie consent via your browser settings at any time.
• Right to Information & Erasure: Since we do not collect identifiable personal data, there is no personal profile to erase. However, you may contact us regarding your analytics opt-out preferences.
• Grievance Redressal: Reach out to our designated Grievance Officer using the contact details below. We will respond within the legally mandated timeframe.

7. Children’s Privacy

Our Website is intended for general audiences, primarily adults seeking financial tools. We do not knowingly collect personal data from children under the age of 18 without verifiable parental consent. Furthermore, we do not engage in tracking or behavioral monitoring of children, in strict adherence to the DPDP Act.

8. Changes to This Policy

We may update this policy periodically to reflect changes in legal requirements or our operational practices. Updates will be posted on this page with a revised “Effective Date.”

9. Contact Us / Grievance Officer

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

Email: privacy@calcwise.finance