Privacy Policy

Introduction

Plan My Money respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your information when you use our financial calculator services.

🛡️ Our Commitment

We are committed to protecting your privacy and ensuring transparency about how we handle your data. This policy complies with applicable data protection laws including GDPR, CCPA, and Indian regulations.

By using our website and services, you consent to the data practices described in this policy. If you disagree with this policy, please do not use our services.

Information We Collect

Contact Information

Email address (when subscribing)
Name (when contacting us)
Phone number (if provided)
Company name (if applicable)

Usage Data

Calculator preferences and settings
Usage patterns and frequency
Pages visited and time spent
Device and browser information

Technical Information

IP address and location data
Browser type and version
Operating system information
Referring website data

⚠️ Financial Data Privacy

Financial data entered into our calculators is processed locally in your browser and is not transmitted to or stored on our servers. We prioritize your financial privacy.

How We Use Your Information

Service Provision

Providing and maintaining our calculator services
Personalizing results based on your location
Improving calculator accuracy and functionality
Responding to inquiries and providing support

Website Improvement

Analyzing usage patterns and user behavior
Optimizing website performance
Developing new calculators and features
Conducting research for service improvement

Communication

Sending newsletters (with your consent)
Providing updates about new features
Responding to comments and questions
Sending administrative communications

Legal and Security

Protecting against fraudulent activities
Enforcing our terms and policies
Complying with legal obligations
Protecting user rights and safety

Information Sharing and Disclosure

We do not sell, trade, or transfer your personal information to third parties without your consent, except in specific circumstances:

Service Providers

We may share information with trusted service providers who assist us in:

Website hosting and maintenance
Email marketing services (with consent)
Analytics and performance monitoring
Customer support services

Legal Requirements

We may disclose information when required by law to:

Comply with legal processes or court orders
Enforce our terms of service
Protect rights, property, or safety
Investigate fraudulent activities

Business Transfers

In the event of a merger or acquisition, your information may be transferred as part of the business transaction with proper notification.

Data Security

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Security Measures Include:

SSL/TLS encryption for data transmission
Secure hosting with regular updates
Access controls and authentication systems
Regular security audits and assessments
Employee training on data protection
Incident response procedures

🔐 Local Processing

Most financial calculations are performed locally in your browser, ensuring sensitive financial data never leaves your device. This approach minimizes data exposure and enhances privacy.

Data Retention

We retain personal information only as long as necessary:

Contact Information: Until you request deletion
Analytics Data: 26 months (Google Analytics standard)
Support Records: 3 years for service improvement
Legal Compliance: As required by law

Your Rights and Choices

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

Access

Request access to your personal information and receive a copy of data we hold.

Rectification

Request correction of inaccurate or incomplete personal information.

Erasure

Request deletion of your personal information under certain circumstances.

Portability

Request transfer of your data to another organization in structured format.

Restriction

Request restriction of processing in certain situations.

Objection

Object to processing of your personal information for certain purposes.

How to Exercise Your Rights

To exercise any of these rights, contact us using the information in the "Contact Us" section. We will respond within 30 days of receipt.

Children's Privacy

Our services are not directed to children under 13, and 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 it promptly.

If you are a parent or guardian and believe your child has provided personal information to us, please contact us immediately.

Third-Party Services

Our website may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review their privacy policies.

Third-Party Services We Use:

Google Analytics: For website analytics
Email Providers: For newsletter services
CDNs: For improved performance
Social Media: For sharing functionality

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by:

Posting the updated policy on our website
Updating the "Last Updated" date
Sending email notifications for significant changes
Displaying a prominent notice on our website

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

International Data Transfers

Your information may be transferred to countries other than your own. We ensure such transfers comply with data protection laws using appropriate safeguards such as Standard Contractual Clauses and adequacy decisions.

Contact Us

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

📧 Contact Information

Email: support@planmymoney.in

Privacy Team: support@planmymoney.in

Response Time: Within 30 days

Address: Bengaluru, Karnataka, India

We are committed to resolving any privacy-related concerns you may have and will respond to your inquiry as promptly as possible.

Regulatory Authorities

You may also contact relevant regulatory authorities for specific concerns:

National Consumer Helpline (1915) for consumer complaints
National Cyber Crime Reporting Portal for cyber crimes
Appropriate Data Protection Authority (when established)