Privacy Policy

1. Information We Collect

1.1 Information You Provide

When you use our calculators and tools, you may provide financial information such as:

• Loan amounts, interest rates, and tenure for EMI calculations
• Investment amounts and expected returns for SIP calculations
• Income details and deductions for tax calculations
• Retirement planning parameters
• Portfolio details for risk assessment

1.2 Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing activity:

• Device Information: Browser type, operating system, device type
• Usage Data: Pages visited, time spent on pages, click patterns
• IP Address: Your Internet Protocol address (anonymized)
• Cookies: Small data files stored on your device (see Section 4)

1.3 Contact Information

If you contact us through our contact form or email, we collect:

• Name
• Email address
• Message content
• Any other information you choose to provide

2. How We Use Your Information

We use the information we collect for the following purposes:

• Provide Services: To deliver accurate financial calculations and tools
• Improve User Experience: To understand how users interact with our site and improve functionality
• Analytics: To analyze website traffic and usage patterns
• Communication: To respond to your inquiries and provide customer support
• Legal Compliance: To comply with applicable laws and regulations
• Security: To detect, prevent, and address technical issues and fraudulent activity

3. How We Share Your Information

We respect your privacy and do not sell, trade, or rent your personal information to third parties. We may share your information only in the following limited circumstances:

3.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, such as:

• Web hosting providers
• Analytics services (e.g., Google Analytics)
• Email service providers

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, government agencies).

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website.

4.1 What Are Cookies?

Cookies are small text files stored on your device that help us remember your preferences and understand how you use our site.

4.2 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

4.3 Managing Cookies

You can control and manage cookies through your browser settings. Please note that disabling cookies may affect the functionality of our website.

5. Data Security

We implement appropriate technical and organizational security measures to protect your information:

• Encryption: We use SSL/TLS encryption to protect data in transit
• Client-Side Processing: Financial calculations are performed in your browser, not on our servers
• Access Controls: Limited access to personal information by authorized personnel only
• Regular Security Audits: We regularly review and update our security practices

6. Your Privacy Rights

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

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Objection: Object to the processing of your personal information
• Data Portability: Request a copy of your data in a structured format
• Withdraw Consent: Withdraw consent for data processing where applicable

To exercise these rights, please contact us at privacy@paisalab.com.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:

• Posting the updated policy on this page
• Updating the "Last Updated" date at the top of this policy
• Sending you an email notification (if you have provided your email address)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: