shieldPrivacy Policy

1. Information We Collect

Calkulator does not require account registration, login, or any form of sign-up. We do not collect your name, email address, phone number, or any personally identifiable information (PII) through the calculator tools.

All calculator inputs (loan amounts, salaries, investment values, dates) are processed entirely within your browser using JavaScript. No form data is transmitted to our servers.

2. Cookies and Tracking

Calkulator itself does not set any first-party tracking cookies. However, we use the following third-party services that may set their own cookies:

• Google AdSense — We display Google-served advertisements. Google uses cookies to serve ads based on your browsing history and interests. You can opt out via Google Ads Settings.
• Google Analytics (if enabled) — Anonymised usage data (page views, session duration, geographic region) may be collected for site improvement purposes. IP addresses are anonymised.
• Affiliate Links — Some pages contain affiliate links to financial institutions and comparison platforms (e.g. BankBazaar, Policybazaar). Clicking these links may set third-party cookies on those sites per their own privacy policies.

3. How We Use Information

The limited anonymous data collected through third-party tools (Google Analytics) is used solely to understand which calculators are most used, identify errors, and improve the site's content and performance. This data is not sold or shared with any third party beyond the analytics provider.

4. Email Collection (Lead Forms)

Some calculator pages may offer optional lead forms where you can voluntarily provide your email address to receive personalised loan rates or financial product recommendations from partner institutions. These forms are clearly marked as optional. If you submit an email:

• Your email will be shared with the specific financial partner you consented to
• You can opt out of any marketing communications using the unsubscribe link in the email
• We do not sell your email to any party not mentioned at the point of collection

5. Third-Party Links

Calkulator contains links to external websites including financial institutions, government portals (RBI, SEBI, IRDAI), and comparison platforms. We are not responsible for the privacy practices of these external sites. We recommend reviewing their privacy policies before providing any personal information.

6. Children's Privacy

Calkulator is not directed to children under the age of 13. We do not knowingly collect any personal information from children. Academic calculators (CGPA, attendance, marks percentage) are for general use and do not collect any user data.

7. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page will reflect the most recent revision. Continued use of Calkulator after any changes constitutes acceptance of the updated policy.

8. Contact

If you have any questions about this Privacy Policy or wish to exercise any data rights, please contact us at: privacy@calkulator.in