Privacy Policy

🔍 Privacy at a Glance — Quick Summary

Here is a quick, honest summary of our data practices before you read the full policy:

🏢 Who We Are — Data Controller

For the purposes of this Privacy Policy, the data controller for LoanCalculate.in is:

LoanCalculate.in is an independent, free-to-use informational platform providing loan calculators and financial guides in Hindi and English. We are not a bank, NBFC, financial advisor, or any regulated financial entity.

📋 Data We Collect

We collect only the minimum data required to operate and improve our website. Here is what we may collect:

A. Information You Provide Voluntarily

We only collect personal information when you choose to contact us — typically your name and email address submitted through a contact form or direct email. We do not require registration or an account to use any feature of LoanCalculate.in.

B. Automatically Collected Technical Information

When you visit our website, certain technical data is automatically collected by our server and third-party analytics tools:

C. Loan Calculator Usage

🔄 How We Collect Data

We collect data through the following methods:

• Direct Contact: When you email us or fill out a contact form, you voluntarily provide your name and email address
• Cookies: Small text files stored in your browser, used by Google Analytics and Google AdSense (detailed in sections 06–07)
• Server Logs: Our web hosting provider may automatically log standard server access data such as IP addresses and page requests for security purposes
• Third-Party Scripts: Google Analytics and AdSense scripts embedded on our pages collect usage and advertising data as governed by Google's privacy policy

We do not use tracking pixels, social media tracking, browser fingerprinting, or any form of covert data collection beyond what is described in this policy.

🎯 Why We Use Your Data — Purposes & Legal Basis

We use collected information only for the following specific and legitimate purposes:

🍪 Cookies & Tracking Technologies

A cookie is a small text file placed on your device when you visit a website. Cookies allow websites to recognise your browser and remember certain information. LoanCalculate.in uses the following types of cookies:

How to Control or Disable Cookies:

• Chrome: Settings → Privacy and Security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions

You may also opt out of interest-based advertising via Google Ad Settings or the NAI Opt-Out Tool. Note that disabling cookies may affect some website features.

📢 Google AdSense & Advertising

LoanCalculate.in uses Google AdSense to display advertisements. This allows us to offer all our calculators and content completely free of charge. When you visit our website, Google AdSense may:

• Use cookies to track your visits to this and other websites
• Collect information about your browsing behaviour to show relevant ads
• Use the DoubleClick cookie to serve ads based on your interests
• Use data from Google's advertising network to personalise displayed advertisements

You may opt out of personalised advertising by visiting Google Ad Preferences. Opting out means you will still see ads, but they will not be personalised to your interests.

📊 Google Analytics

We use Google Analytics, a web analytics service by Google LLC, to understand how users interact with LoanCalculate.in. Google Analytics collects anonymised information including:

• Pages visited and time spent on each page
• How you arrived at our website (search engine, direct, referral link)
• Approximate geographic location (country and region level only)
• Device type, browser, and operating system used
• Actions taken on the site such as calculator use and article reads

This data is anonymised — we cannot use Google Analytics data to identify you personally. It is used solely to improve the website's content, structure, and user experience. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

🔗 Third-Party Services We Use

In addition to Google services, the following third-party services may process data when you use our website:

Each third-party service has its own privacy policy governing their data practices. We are not responsible for the practices of third-party services linked or embedded on our website.

🤝 Data Sharing — Who We Share With

We may share information only in these limited and specific circumstances:

• Google (Analytics & AdSense): Anonymised usage and advertising data as described in sections 07 and 08
• Legal Requirements: If required to disclose information by law, court order, or a government authority in India
• Safety & Fraud Prevention: If disclosure is necessary to prevent fraud, cyberattack, or to protect the rights, property, or safety of LoanCalculate.in, its users, or the public
• Business Transfer: In the unlikely event of a merger, acquisition, or sale of the website, user data (if any) may be transferred with appropriate advance notice provided to users

Beyond the circumstances above, your data is not shared with any individual, company, or organisation.

🔐 Data Security

We take reasonable technical and organisational measures to protect any personal data we hold from unauthorised access, accidental loss, alteration, or disclosure. Our security practices include:

• HTTPS encryption across all pages of LoanCalculate.in (SSL/TLS certificate)
• Secure email for any personal data exchanges
• Access to personal data strictly limited to the website owner and authorised Team Ikai members
• Regular review of data handling and security practices

👶 Children's Privacy

LoanCalculate.in is designed for adults aged 18 and above. For financial content purposes, we do not direct our services at minors, and we do not knowingly collect, solicit, or store personal information from children under the age of 13 years.

If we discover that we have inadvertently collected personal data from a child under 13, we will promptly delete that information from our records without delay.

If you are a parent or guardian and believe your child has provided personal information to us, please contact us at hi.investknow@gmail.com and we will take immediate corrective action.

⚖️ Your Rights — Data Subject Rights

As a user of LoanCalculate.in, you have the following rights with respect to any personal data we may hold about you:

To exercise any of these rights, email us at hi.investknow@gmail.com with the subject line "Privacy Rights Request". We will respond within 30 days. We may verify your identity before processing your request.

📅 Data Retention

We retain personal data only for as long as is necessary to fulfil the purpose for which it was collected, or as required by applicable law:

• Contact / Email Inquiries: Retained for up to 12 months after the last correspondence, then securely deleted
• Google Analytics Data: Retained per Google's data retention policies (typically 26 months by default configuration)
• Server Logs: Typically retained for up to 90 days for security and debugging, then automatically purged
• Cookies: Session cookies expire when you close your browser; persistent cookies expire on their specific set date

Once data is no longer required, we ensure it is securely deleted or anonymised so it can no longer be linked to any individual.

🔗 External Links & Partner Websites

LoanCalculate.in may contain links to external websites including our partner platforms (InvestKnow.io, GlobalMarketToday.in, Mausam24.in, PublicCentral.in, AajKaMosam.in, Revealing.in) and links to bank websites, RBI portals, and other financial reference sources.

Once you leave LoanCalculate.in and visit a third-party website, this Privacy Policy no longer applies. We have no control over the privacy practices of external websites and bear no responsibility for how they collect, use, or protect your data. We recommend reviewing the Privacy Policy of any third-party website before sharing personal information with them.

🔄 Changes to This Privacy Policy

LoanCalculate.in reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Significant changes may also be announced via a notice on our homepage.

We encourage you to review this Privacy Policy periodically to stay informed about our data practices. Your continued use of LoanCalculate.in after any changes constitutes your acceptance of the updated policy.

If you have any concerns about a change to this policy, please contact us at hi.investknow@gmail.com before continuing to use the website.

📬 Contact Us & Grievance Officer

If you have any questions, concerns, or formal requests regarding this Privacy Policy or our data practices, please contact our designated Privacy & Data team. We are committed to responding to all privacy-related inquiries within 30 days.

Under the Digital Personal Data Protection Act, 2023 (India), you also have the right to file a complaint with the Data Protection Board of India if you believe your data protection rights have been violated and your concerns have not been adequately addressed by us.