Privacy Policy

Calculator inputs

Every calculation runs in your browser. Loan amounts, incomes, EMIs and any other figure you enter are not sent to our servers, not stored, and not logged by us.

To make results shareable, the figures you enter are kept in the page address (for example ?amount=500000&rate=9). Anyone you send that link to sees the same figures, and services that record the address of the page you are on, such as the advertising and analytics services below, can see them too. Open the calculator from its plain address, without the part after the question mark, to start fresh.

There are no accounts and no lead forms, so we never ask for your name, phone number, PAN or email to use a calculator. The only optional sign-up is the email newsletter described below.

If you press Save on a calculator, that scenario is kept in your own browser's local storage so you can compare it later. It never leaves your device, and clearing your browser data removes it.

Contact form

If you send us a message through the contact form, we receive who you said you are (a reader, an advertiser, a bank or insurer, media or something else), your name (if you give it), your email address and your message. Depending on that choice we also receive the topic, page and inputs you describe; or your company, website, what you want to advertise, budget range and start date; or your institution, your role, the page or rate concerned and a link to the official rate page; or your organisation, the type of enquiry and your deadline. All of these except name, email and message are optional unless the form marks them as required. The form is handled by Netlify Forms, so these are stored by Netlify, our host, and shown to us in the Netlify dashboard.

We use them only to read and reply to your message. We do not add you to the newsletter, share them with anyone else or use them for advertising. We delete messages once they are dealt with and no longer needed. To have a message deleted sooner, email us.

Newsletter (CalcMate Money Tips)

If you sign up for CalcMate Money Tips, we collect your email address, your first name and the topics you tick if you choose to give them, the page you signed up on and the date you signed up, along with your consent to receive the emails.

The sign-up form is handled by Netlify Forms, so these details are stored by Netlify, our host, and shown to us in the Netlify dashboard. We use them only to send you CalcMate Money Tips (money tips, rate changes and new calculators); your first name and interests are used only to personalise those emails.

To unsubscribe, reply "unsubscribe" to any email from us, or send us a message through the contact form. We then remove your address from the list.

The list is never sold, rented or shared with anyone, and is not used for advertising.

Analytics

If analytics is enabled on this deployment, we use Google Analytics to understand which pages are used and how the site performs. It collects standard web analytics data such as pages viewed, approximate location derived from IP, device type and referring site. It does not receive anything you type into a form, but it records the page address, which includes calculator figures as described above.

You can block analytics with a browser setting, an extension, or by using a browser that blocks trackers by default.

Advertising

This site displays ads served by Google AdSense. Google and its partners may use cookies or device identifiers to serve and measure ads, including personalised ads where permitted. You can review and change your ad settings in your Google account, and manage cookies in your browser.

The AdSense script loads on every page, and Google receives the address of the page you are viewing.

Cookies and local storage

The site itself does not set cookies for tracking. Calculator inputs are stored only if you choose to save a scenario, and then only in your own browser. Any cookies present come from the analytics or advertising services described above, when those are enabled.

Hosting

The site is hosted on Netlify. Like any web host, Netlify processes standard request data such as IP address and user agent in order to serve pages and protect the service.

Links to other sites

Where we link to a lender, regulator or other external site, that site's own privacy policy applies. We have no control over what they collect.

Changes and contact

If this policy changes, the date above changes with it.

Questions about privacy can go to hello@calcmate.in.