Privacy Policy

1. Introduction

EMI and Financial Calculators ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. Please read this policy carefully to understand our practices regarding your personal data.

2. Information We Collect

2.1 Information You Provide

When using our calculators, you may input financial information such as loan amounts, interest rates, investment amounts, and other financial data. This information is processed locally in your browser and is NOT transmitted to or stored on our servers.

2.2 Automatically Collected Information

We may automatically collect certain information when you visit our website, including:

• Device information (browser type, operating system, device type)
• IP address and approximate geographic location
• Pages visited and time spent on each page
• Referring website or source
• Date and time of visits

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and maintain our website
• To improve, personalize, and expand our services
• To understand and analyze how you use our website
• To develop new products, services, features, and functionality
• To communicate with you for customer service and support
• To detect, prevent, and address technical issues
• To comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data that are stored on your device.

Types of Cookies We Use:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our website
• Preference Cookies: Remember your settings and preferences

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

5. Data Security

We implement appropriate technical and organizational security measures to protect your information. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

6. Data Retention

We retain automatically collected data for a reasonable period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. Calculator inputs and results are processed locally and are not retained by us.

7. Third-Party Services

We may use third-party services that collect, monitor, and analyze website traffic. These services may include:

• Google Analytics: For website traffic analysis
• Vercel Analytics: For performance monitoring

These third parties have their own privacy policies addressing how they use such information.

8. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

• Right to access the personal information we hold about you
• Right to request correction of inaccurate personal information
• Right to request deletion of your personal information
• Right to object to processing of your personal information
• Right to data portability
• Right to withdraw consent

To exercise any of these rights, please contact us using the information provided below.

9. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us so that we can take necessary actions.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.