Privacy Policy

Effective Date: July 7, 2025

TotalEMICalculator ("we", "our", or "us") respects your privacy. This policy outlines how we collect and use information when you use our services.

1. Information We Collect

• Usage Data: We collect anonymous data such as browser type and time spent on site to improve usability.
• Calculator inputs: All EMI calculations run in your browser. We do not send or store your loan details.
• Loan-offer requests (optional, only if you submit the form): your name, mobile number and, if you choose, email, city and loan details, shared only with the partner lenders or advisors you tick. We do not charge you anything for this service, and we do not guarantee any loan. Access to these requests is limited to authorised administrators, and every view, export, share and deletion is recorded in an access log that contains no personal details.
• Account data (only with your explicit consent): If you sign in with Google and then choose "I agree", we store your name, email address, profile photo and the comments you post, solely to display your comments. Signing in alone stores nothing; if you decline, nothing is saved.

2. How We Use Your Information

Your information is used solely to enhance your experience, save your preferences, and improve our tools. We do not sell or share your data with third-party advertisers.

3. Data Retention

Loan-offer requests are deleted automatically after 90 days, and immediately if you withdraw using the link shown after you submit, or email privacy@totalemicalculator.com. Account data is kept until you delete it. You can permanently delete your account, consent record and comments at any time using "Delete my data" in the comments section; deletion is immediate.

4. Cookies

We use local storage to remember your sign-in and cookie choice. Google Analytics and Google AdSense cookies are set only if you click Accept on the cookie banner; if you reject, they are never loaded. You can change your choice any time via "Cookie settings" in the footer.

5. Third-Party Services

We use Google Login to facilitate sign-ins. Authentication is handled securely by Google and adheres to their privacy standards.

6. Your Rights

Under India's Digital Personal Data Protection Act, 2023, you can download a copy of your data and delete it yourself using the controls in the comments section, withdraw consent by deleting your account, and raise grievances at privacy@totalemicalculator.com.

7. Updates

We may revise this policy as needed. Updates will be posted here with a new effective date.

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