Privacy Policy

Introduction

Welcome to IndiCalculator (indicalculator.in), a free Indian financial calculator website. We protect your privacy. We are fully transparent about how we handle your information.

This Privacy Policy applies to all pages and services offered on IndiCalculator, including our EMI Calculator, SIP Calculator, Income Tax Calculator, GST Calculator, PPF/FD Calculator, and all associated blog articles and informational content.

By using IndiCalculator, you agree to this Privacy Policy. If you do not agree, please do not use the website.

IndiCalculator is a purely static website hosted on GitHub Pages. We do not operate servers that process or store user data. All calculations performed on this website take place entirely within your browser and are never transmitted to any server operated by us.

This policy follows the laws of India, including the IT Act of 2000.

1. Information We Collect

1.1 Information You Enter in Calculators

When you use any of our financial calculators — including the EMI Calculator, SIP Return Calculator, Income Tax Calculator (Old vs New Regime), GST Calculator, PPF Calculator, or Fixed Deposit (FD) Calculator — you may enter numerical values such as loan amounts, interest rates, tenure, income, investment amounts, and GST rates.

We do not collect, store, log, or transmit any of the following from calculator interactions:

• Loan amounts, EMI figures, or principal values
• Income or salary information entered into the tax calculator
• Investment amounts or SIP values
• GST amounts, tax rates, or business transaction figures
• PPF or FD deposit amounts, maturity values, or interest calculations

1.2 Automatically Collected Information

Like virtually all websites, certain technical information is automatically collected when you visit IndiCalculator. This is done through third-party services (Google Analytics and Google AdSense) described in detail in Sections 2 and 3 below. The types of data automatically collected may include:

• IP Address: Your Internet Protocol address (anonymised before storage — see Section 2)
• Browser Type & Version: e.g., Chrome 124, Firefox 126, Safari 17
• Operating System: e.g., Windows 11, Android 14, iOS 17
• Device Type: Desktop, tablet, or mobile
• Pages Visited: Which pages on IndiCalculator you viewed
• Time Spent on Pages: Duration of your session
• Referring URL: The website or search engine that directed you here
• Geographic Region: Approximate location based on anonymised IP (country/state level only)
• Search Terms: If you found us via a search engine, the search term used

This information is collected to help us understand how our website is being used, identify popular content, fix errors, and improve the overall user experience.

1.3 Information You Voluntarily Provide

IndiCalculator currently does not have any contact forms, account registration, newsletter subscriptions, or comment sections. Therefore, we do not collect any voluntarily submitted personal information such as your name, email address, phone number, or postal address through our website at this time.

If you contact us via email at contact@indicalculator.in or through our GitHub repository, any information you include in your message (such as your name and email address) will be used solely for the purpose of responding to your enquiry and will not be shared with third parties.

2. Google Analytics

2.1 What Google Analytics Is

IndiCalculator uses Google Analytics 4 (GA4), a web analytics service provided by Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA ("Google"). Google Analytics uses cookies and similar technologies to collect and analyse information about how visitors use our website.

2.2 What Google Analytics Collects

Google Analytics collects data such as:

• Pages you visit and the sequence in which you visit them
• Time and duration of your visits
• The website or source that referred you to IndiCalculator
• Approximate geographic location (country and state, not precise address)
• Device, operating system, and browser information
• Events such as button clicks and calculator interactions (aggregated, anonymised)
• Session count and engagement metrics

This data is compiled into aggregated reports that show us overall patterns of usage. We see statistics like "500 people visited the EMI Calculator from India this week" — we do not see or identify individual users.

2.3 IP Anonymisation

We have configured Google Analytics to anonymise IP addresses. This means the last octet of your IP address is masked before it is stored. For example, the IP address 203.0.113.195 would be stored as 203.0.113.0. This prevents Google Analytics from being able to identify your specific device or location beyond a general geographic area.

In Google Analytics 4 (GA4), IP addresses are not logged or stored at all — they are used only to derive location data and are immediately discarded, providing stronger privacy protection than the previous version (Universal Analytics).

2.4 Google's Data Processing

The information generated by the Analytics cookie about your use of IndiCalculator is transmitted to and stored by Google on servers in the United States. Google processes this information on our behalf to evaluate your use of the website, compile reports on website activity, and provide other services relating to website activity and internet usage.

Google may also transfer this information to third parties where required by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google.

2.5 Opting Out of Google Analytics

You have several options to prevent Google Analytics from tracking your browsing activity:

• Google Analytics Opt-Out Browser Add-on: Install the free add-on available at tools.google.com/dlpage/gaoptout for most major browsers.
• Browser Privacy Settings: Use your browser's built-in privacy or incognito mode, which limits cookies and tracking.
• Cookie Management: Block or delete cookies through your browser settings (see Section 5 for details).
• Privacy-Focused Browsers: Browsers such as Brave, Firefox with Enhanced Tracking Protection, or Safari with Intelligent Tracking Prevention block many analytics scripts by default.

For more information on how Google uses data, please visit Google's Privacy Policy at policies.google.com/privacy.

3. Google AdSense & Advertising Cookies

3.1 About Google AdSense

IndiCalculator uses Google AdSense to display advertisements on our website. AdSense is an advertising service operated by Google LLC that allows website publishers to earn revenue by displaying targeted ads.

Google AdSense uses cookies, web beacons, and similar technologies to serve ads based on your interests and browsing history. This is known as interest-based advertising or personalised advertising.

3.2 How AdSense Works

When you visit IndiCalculator, Google AdSense:

• Places or reads one or more cookies on your browser
• Analyses your recent browsing history and interests (based on other sites you've visited that use Google services)
• Displays advertisements that are relevant to your inferred interests
• Records whether you view or click on ads (used for billing and ad quality purposes)

IndiCalculator does not pass any personal data to Google AdSense. We do not share your calculator inputs, financial data, or any information you enter on our site with Google's advertising systems.

3.3 Interest-Based Advertising

Google uses the DoubleClick cookie and other advertising identifiers to enable it and its partners to serve ads to you based on your visits to IndiCalculator and/or other sites on the Internet. You may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Google's Ads Settings.

3.4 Third-Party Advertising Partners

In addition to Google, other third-party advertising networks may serve ads on IndiCalculator through Google AdSense's network. These third-party ad servers or ad networks may use cookies, JavaScript, or web beacons in their respective advertisements and links to measure effectiveness and personalise content. These third parties have their own independent privacy policies, and IndiCalculator has no access to or control over their cookies or technologies.

3.5 GDPR and CCPA Compliance Note

While IndiCalculator is primarily targeted at users in India, we recognise that users from the European Economic Area (EEA) or California (USA) may visit our site. In such cases:

• GDPR (EU Users): Google's Consent Mode and EU User Consent Policy govern how AdSense operates for EEA users. Google will only serve personalised ads where appropriate consent has been obtained.
• CCPA (California Users): California residents have rights under the California Consumer Privacy Act. You may opt out of the "sale" of your personal information via Google's Ads Settings or the NAI opt-out tool.
• Indian Users: Your rights under the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 are described in Section 10 below.

3.6 Opting Out of Personalised Ads

You can opt out of personalised advertising using the following resources:

• Google Ads Settings — Manage or opt out of personalised Google ads
• Digital Advertising Alliance Opt-Out — Opt out from multiple networks at once
• Network Advertising Initiative Opt-Out — Another multi-network opt-out tool

Please note that opting out of personalised ads does not mean you will see fewer ads — you will simply see ads that are less relevant to your interests.

4. Third-Party Affiliate Links & Partner Websites

4.1 Affiliate and Partner Links

IndiCalculator may include links and references to third-party financial platforms and services to help users take action after using our calculators. These third-party platforms include but are not limited to:

• Groww (groww.in) — Online investing and mutual fund platform
• BankBazaar (bankbazaar.com) — Loan and credit card comparison marketplace
• ClearTax (cleartax.in) — Tax filing and compliance platform
• Policybazaar (policybazaar.com) — Insurance comparison and purchase platform

These links are provided for your convenience and to help you take informed financial decisions after using our calculators. IndiCalculator may receive a small affiliate commission if you click through and complete a transaction with these partners. This does not affect the cost to you, nor does it influence our calculator results or editorial content in any way.

4.2 No Responsibility for Third-Party Privacy Practices

We strongly encourage you to review the privacy policies of any third-party website you visit before submitting any personal or financial information. These third-party sites are independently operated and may have very different privacy standards from IndiCalculator.

4.3 No Data Sharing with Affiliates

IndiCalculator does not share any user data, browsing behaviour, or calculator inputs with any of our affiliate or partner platforms. Any data collected by these platforms is subject solely to their own privacy policies and terms of service.

5. Cookies Policy

5.1 What Are Cookies?

Cookies are small text files that are placed on your computer or mobile device by websites you visit. They are widely used to make websites work more efficiently, provide usage information to website owners, and in some cases, to serve targeted advertising.

Cookies typically contain a website address, the duration of the cookie, and a unique number. They cannot carry viruses or install malware on your device.

5.2 Types of Cookies Used on IndiCalculator

IndiCalculator itself does not set any first-party cookies for its core functionality. Our calculators work entirely without cookies. However, the following cookies are set by third-party services we use:

• Google Analytics Cookies (_ga, _ga_XXXXXXXXXX, _gid): These cookies are used by Google Analytics to distinguish users and sessions. The _ga cookie lasts for 2 years, _gid lasts for 24 hours, and session cookies are deleted when you close your browser. They collect anonymised data about how you use the site.
• Google AdSense Cookies (IDE, ANID, NID, 1P_JAR): These cookies are set by Google to serve and measure advertising. The IDE cookie (DoubleClick) is used to record interactions with advertisements. These cookies may persist for up to 13 months or until manually deleted.
• Google Fonts: When your browser loads our web fonts from Google Fonts, Google may set cookies or log your IP address as part of that request. This is a standard behaviour of browser font requests and the data is subject to Google's Privacy Policy.

5.3 Managing and Disabling Cookies

You can control and manage cookies in various ways. Please note that removing or blocking cookies can impact your user experience on some websites.

• Google Chrome: Settings → Privacy and Security → Cookies and other site data
• Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data
• Mobile (Android/iOS): Browser settings → Privacy → Clear Browsing Data / Manage Site Data

You can also use browser extensions such as uBlock Origin, Privacy Badger, or Cookie AutoDelete to manage cookies automatically. Most modern browsers also support a "Do Not Track" (DNT) signal, though its effectiveness varies by service.

5.4 Local Storage

Some of our calculators may use your browser's Local Storage to save your last-used settings (such as loan amount or interest rate) for convenience. This data is stored only on your device, is never sent to any server, and can be cleared by clearing your browser's site data at any time.

6. Data Security

6.1 Static Website Architecture

IndiCalculator is a 100% static website hosted on GitHub Pages. This architecture has significant security advantages:

• There is no backend server, database, or server-side processing of any kind
• All calculator logic runs entirely within your browser using JavaScript
• We cannot receive, store, or expose user data because there is no mechanism to do so
• There is no login system, no user accounts, and no form submissions to our servers
• No database means no database breach risk

6.2 HTTPS Encryption

IndiCalculator is served exclusively over HTTPS (Hypertext Transfer Protocol Secure) via GitHub Pages' built-in SSL/TLS certificates. This ensures that all communication between your browser and our website is encrypted in transit, protecting against eavesdropping and man-in-the-middle attacks.

6.3 Third-Party Data Security

While we take every reasonable measure to ensure the security of our website, we cannot guarantee the security of data processed by third-party services such as Google Analytics and Google AdSense. These services maintain their own security measures and are subject to their respective privacy policies and security certifications.

Google LLC is certified under major international security frameworks including ISO/IEC 27001, SOC 2, and Privacy Shield successor frameworks, providing strong assurances about the security of data they process.

6.4 Reporting Security Issues

If you discover any security vulnerability or data-related concern with IndiCalculator, please report it responsibly by emailing us at contact@indicalculator.in or opening an issue on our GitHub repository. We are committed to addressing legitimate security concerns promptly.

7. Children's Privacy

7.1 Age Restriction

IndiCalculator is not directed at, intended for, or designed to attract children under the age of 13 years. Our financial calculators are intended for use by adults making informed financial decisions regarding loans, investments, taxes, and savings.

In compliance with the Children's Online Privacy Protection Act (COPPA) in the United States, and equivalent provisions under Indian law, we do not knowingly collect, use, or disclose any personal information from children under the age of 13.

7.2 Parental Guidance

If you are a parent or guardian and believe that your child under the age of 13 has used IndiCalculator and provided personal information (for example, by contacting us via email), please contact us immediately at contact@indicalculator.in. We will promptly investigate and take appropriate action to delete any such information from our records.

7.3 Teenagers (Ages 13–17)

While IndiCalculator does not specifically target teenagers, we acknowledge that financial literacy is important for young adults. Users between the ages of 13 and 17 are encouraged to use IndiCalculator with parental guidance, particularly when making decisions about real financial products. Our website is purely educational and informational.

For minor users, we recommend that parents help configure browser privacy settings and parental controls to limit exposure to advertising cookies.

8. Changes to This Privacy Policy

8.1 Right to Update

IndiCalculator reserves the right to update, modify, or revise this Privacy Policy at any time. Changes may be made for the following reasons:

• To reflect changes in our website features or services
• To comply with new legal or regulatory requirements under Indian law, GDPR, CCPA, or other applicable frameworks
• To reflect changes in the third-party services we use (such as updates to Google Analytics or Google AdSense)
• To address new privacy best practices or industry standards
• To respond to user feedback or requests for clarification

8.2 How We Notify You

When we make significant changes to this Privacy Policy, we will update the "Last Updated" date at the top of this page. For material changes that substantially affect your privacy rights, we may also publish a notice on our homepage or update the policy badge visible across all pages.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of IndiCalculator after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

8.3 Version History

The current version of this Privacy Policy was last updated on May 31, 2025 and is the first comprehensive version published. Previous versions, if any, are archived in the IndiCalculator GitHub repository for transparency.

9. Contact Us

9.1 Privacy-Related Enquiries

If you have any questions, concerns, or requests related to this Privacy Policy or how IndiCalculator handles your data, please contact us using the following details:

9.2 Response Time

We aim to respond to all privacy-related enquiries within 7 business days. For complex requests, particularly those involving data deletion or opt-out, we will acknowledge receipt within 48 hours and provide a full response within 30 days.

9.3 Reporting Privacy Violations

If you believe that IndiCalculator has violated your privacy rights, you may:

• Contact us directly at contact@indicalculator.in to resolve the matter informally
• File a complaint with the relevant data protection authority in your jurisdiction
• For Indian residents: Contact the Ministry of Electronics and Information Technology (MeitY) or the Data Protection Board of India (once operational under the Digital Personal Data Protection Act, 2023)
• Open a public issue on our GitHub repository at contact@indicalculator.in if you prefer a transparent, public resolution process

10. Your Rights

10.1 Rights Under Indian Law

As an Indian resident, your digital privacy rights are governed primarily by:

• The Information Technology Act, 2000 (IT Act): The foundational legislation governing electronic commerce and digital privacy in India
• The IT (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011: Specifies obligations for entities handling sensitive personal data
• The Digital Personal Data Protection Act, 2023 (DPDPA): India's comprehensive personal data protection law, which establishes rights for "Data Principals" (individuals) and obligations for "Data Fiduciaries" (organisations processing data)

Under Indian privacy law, to the extent applicable, you have the right to:

• Right to Information: Know what personal data about you is collected and how it is used
• Right to Correction: Request correction of inaccurate personal data
• Right to Erasure: Request deletion of your personal data (where applicable)
• Right to Grievance Redressal: Have any privacy complaints addressed promptly
• Right to Nominate: Under DPDPA 2023, nominate someone to exercise your rights in case of incapacitation

10.2 Opting Out of Personalised Advertising

You have the explicit right to opt out of interest-based or personalised advertising. IndiCalculator respects this right and provides the following opt-out mechanisms:

• Visit Google Ads Settings to control what data Google uses to show you ads
• Toggle off "Personalised ads" in Google Account settings
• Use the NAI opt-out tool at optout.networkadvertising.org
• Enable browser-level Do Not Track (DNT) or Global Privacy Control (GPC) signals
• Use a privacy-focused browser or extension (Brave, uBlock Origin, etc.)

10.3 Right to Withdraw Consent

Where you have given consent to the use of cookies (e.g., by continuing to use our website with default browser settings), you may withdraw that consent at any time by clearing your cookies and adjusting your browser settings as described in Section 5.3.

10.4 Data Portability

Since IndiCalculator does not store any personal data on our servers, there is no user data held by us to port or export. All data generated by your calculator usage exists solely within your browser's local session.

For data held by Google Analytics or Google AdSense about your browsing behaviour, please refer to Google's Data Portability and Takeout tools available at myaccount.google.com/data-and-privacy.

10.5 Non-Discrimination

IndiCalculator does not discriminate against users who exercise their privacy rights. Opting out of personalised ads, disabling cookies, or contacting us with privacy concerns will not affect your ability to access or use any of our calculators, blog content, or any other feature of our website. All tools remain free and fully functional regardless of your privacy choices.