Privacy Policy

1. Introduction

Welcome to EMI Calculator ("we," "us," "our," or "Company"). We are committed to protecting your privacy and ensuring you have a positive experience on our website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, including all related pages, subdomains, and mobile applications (collectively, the "Site").

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Site.

2. Information We Collect

Information You Provide

• Calculator Inputs: Loan amount, interest rate, tenure, and start date that you enter into the EMI calculator. This information is processed locally in your browser and is not transmitted to our servers.
• Shared URLs: When you generate a shareable link, your calculator inputs are encoded in the URL. This data is not stored on our servers.
• Exported Files: When you download PDF or CSV files, these are generated locally in your browser.

Automatically Collected Information

• Browser and Device Information: We may collect information about your browser type, device type, operating system, and IP address through standard web analytics.
• Usage Data: We may collect information about how you interact with our Site (pages viewed, time spent, clicks, etc.) through analytics tools.
• Cookies and Similar Technologies: We use cookies and local storage to remember your preferences (such as selected loan type).

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve the EMI Calculator functionality.
• To understand how users interact with our Site and optimize user experience.
• To remember your preferences and settings (loan type, calculator inputs).
• To comply with legal obligations and protect our legal rights.
• To analyze trends, track usage, and gather demographic information for business purposes.

4. Data Storage and Security

Local Processing: Most of your calculator inputs are processed locally in your browser using JavaScript. They are not transmitted to our servers unless you explicitly choose to share or export them.

Browser Storage: We use browser localStorage to store your preferences (selected loan type). This data remains on your device and is not sent to our servers.

Shared URLs: When you create a shareable link, the calculator state is encoded in the URL itself. Treat shared URLs as you would sensitive data, as they contain your loan parameters.

Security Measures: We implement reasonable security measures to protect your information. However, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security.

5. Third-Party Services

Our Site may use third-party services for analytics, hosting, and content delivery (such as CDN providers for libraries like Chart.js and jsPDF). These third parties may collect information about your visit. We encourage you to review their privacy policies.

• Chart.js (for charting libraries)
• jsPDF (for PDF generation)
• CDN providers (for serving assets)

6. Cookies and Local Storage

We use cookies and local storage to:

• Remember your selected loan type preference.
• Enhance your browsing experience.
• Analyze Site usage and performance.

You can control cookie settings in your browser preferences. Note that disabling cookies may affect the functionality of certain Site features.

7. Your Privacy Rights

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

• Access: You have the right to request access to your personal data.
• Correction: You have the right to request correction of inaccurate data.
• Deletion: You have the right to request deletion of your data, subject to legal obligations.
• Opt-Out: You can clear your browser's local storage and cookies to remove stored preferences.

To exercise these rights or for privacy-related inquiries, please contact us at the information provided below.

8. Children's Privacy

Our Site is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will take steps to delete such information promptly.

9. International Data Transfers

Your information may be transferred to, stored in, and processed in countries other than your country of residence. These countries may have data protection laws that differ from your home country. By using our Site, you consent to the transfer of your information to countries outside of your country of residence.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by updating the "Last Updated" date at the top of this policy. Your continued use of our Site following the posting of revised Privacy Policy means that you accept and agree to the changes.

11. Contact Us

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

• Email: support@realemicalculator.com
• Address: EMI Calculator
• Website: www.realemicalculator.com