Privacy Policy

At paisa.io, we are committed to protecting your privacy and ensuring the security of any information you may share with us. This Privacy Policy explains our practices regarding the collection, use, and protection of your information when you use our website and financial calculators.

Current Status: We currently operate with a privacy-first approach and do not collect or store personal financial information from our calculators.

Minimal Data Collection: Our calculators currently operate entirely in your browser without transmitting your financial inputs to our servers. We may collect:

• Technical Information: Browser type, device information, IP address, and general location
• Usage Analytics: Pages visited, time spent, and basic interaction patterns (via standard web analytics)
• Cookie Data: Essential cookies for website functionality and optional analytics cookies
• Contact Information: If you contact us through forms or email

What We DON'T Collect: Your financial calculations, personal income, investment amounts, loan details, tax information, or any sensitive financial data from our calculators.

We may introduce additional features that could involve data collection. If we do, we will:

• Update this privacy policy with clear notice
• Request explicit consent for any sensitive data collection
• Provide opt-in/opt-out options for all non-essential data collection
• Maintain transparency about what data is collected and why

Possible future features may include:

• User accounts for saving calculations (optional)
• Email newsletters (with explicit subscription)
• Enhanced analytics for improving user experience
• Personalized recommendations based on usage patterns

Important: Any future data collection will be clearly communicated on the website and remain optional wherever possible.

We use collected information solely for:

• Providing and improving our financial calculators and website
• Understanding usage patterns to enhance user experience
• Technical maintenance and security monitoring
• Responding to user inquiries and support requests
• Complying with legal obligations

We DO NOT:

• Sell, rent, or trade your information to third parties
• Use your data for marketing without explicit consent
• Store your financial calculation inputs
• Share personal information except as described in this policy
• Use data for purposes beyond what's disclosed

Security Measures:

• All data transmission uses HTTPS encryption
• Calculator computations happen in your browser (client-side)
• Minimal server-side data storage
• Regular security assessments and updates
• Access controls for any data we do store

Data Retention:

• Analytics data: Retained according to service provider terms (typically 26 months)
• Contact form data: Deleted after resolution of inquiry
• Technical logs: Retained for security purposes (typically 30-90 days)

Limitation of Security: While we implement security measures, no system is 100% secure. We cannot guarantee absolute security of information transmitted over the internet.

We may use third-party services that could collect information:

• Web Analytics: Services like Google Analytics (anonymized data)
• Hosting Providers: For website infrastructure
• Content Delivery: For faster website performance
• Security Services: For protection against threats

These services have their own privacy policies and data practices. We choose providers that maintain high privacy standards, but we cannot control their practices.

No Data Sharing: We do not actively share your personal information with third parties for their marketing or commercial purposes.

As a service primarily used by Indian residents, we are mindful of India's evolving data protection landscape:

• We comply with applicable Indian data protection laws
• Personal data of Indian users is handled with appropriate safeguards
• We will adapt to new regulations like the Digital Personal Data Protection Act
• Users have rights regarding their personal data as per applicable laws

Cross-Border Transfers: Some data may be processed by service providers outside India. We ensure such transfers comply with applicable legal requirements.

You have the following rights regarding your information:

• Access: Request information about data we may have about you
• Correction: Request correction of inaccurate personal data
• Deletion: Request deletion of your personal data (where legally permitted)
• Opt-out: Decline optional data collection and marketing communications
• Cookie Control: Manage cookies through your browser settings

How to Exercise Rights: Contact us through our contact form or email with your request. We will respond within reasonable time frames and as required by applicable law.

Browser Controls: You can control cookies, local storage, and other browser data through your browser settings. Note that disabling certain features may affect website functionality.

We use cookies and similar technologies for:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: To understand usage patterns (anonymized)
• Performance Cookies: To improve website speed and performance

Cookie Management: You can control cookies through your browser settings. Essential cookies cannot be disabled without affecting website functionality.

We do not use cookies for cross-site tracking or building advertising profiles.

Our service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided personal information, we will take steps to delete such information.

Parents and guardians who believe their child has provided personal information should contact us immediately.

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

• We will update the "Last Updated" date
• Significant changes will be prominently posted on our website
• We may notify users of material changes through email or website notices
• Continued use of our service after changes constitutes acceptance

Last updated: January 2025

While we strive to protect your privacy and secure your information:

• We cannot guarantee absolute security of data transmitted over the internet
• We are not liable for privacy practices of third-party services you may access through our site
• Users are responsible for keeping their own devices and accounts secure
• We disclaim liability for unauthorized access or use of information beyond our control

Your Responsibility: Please keep your devices secure and be cautious about sharing sensitive information online.