Privacy Policy

1. Introduction

At PaisaCalc India (accessible from https://paisacalc.net.in), operated by Hexraa Technologies Private Limited, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by PaisaCalc India and how we use it.

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us at contact@paisacalc.in.

2. Zero Personal Data Collection (Zero-PII)

PaisaCalc India is designed from the ground up as a zero-personally-identifiable-information (Zero-PII) service:

• No Email Address or Personal Data Collection: We do not ask for, collect, save, or store any personal details, including user email addresses, names, or contact information, on our servers.
• Client-Side Execution: All salary, HRA, loan EMI, GST, gratuity, and tax calculations are processed entirely on your local device using JavaScript.
• No Database Storage: Your inputs (such as your basic salary, allowances, loan amounts, interest rates, or GST amounts) are never sent to our servers, nor do we store them in any databases or backend systems.
• Security by Design: Since we do not transmit or store your inputs or personal details, there is absolutely no risk of your financial profile or contact information being leaked, breached, or shared.

3. Log Files

PaisaCalc India follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this as part of hosting services' analytics. The information collected by log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

4. Cookies and Web Beacons

Like any other website, PaisaCalc India uses "cookies". These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

5. Google DoubleClick DART Cookie & Google Analytics

Google is one of the third-party vendors on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads.

We also use Google Analytics (GA4) to understand site traffic and usage patterns. Google Analytics collects anonymized tracking data such as page views, user location (country/city level), and device types. It does not collect any specific input numbers you enter into our calculation boxes.

6. Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of PaisaCalc India.

Third-party ad servers or ad networks use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on PaisaCalc India, which are sent directly to users' browsers. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that PaisaCalc India has no access to or control over these cookies that are used by third-party advertisers.

7. Third Party Privacy Policies

PaisaCalc India's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

8. GDPR Data Protection Rights & CCPA Privacy Rights

We want to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access: You have the right to request copies of your personal data. (Since we collect no personal data, any such request will simply confirm this fact).
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing: You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

9. Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

PaisaCalc India does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.