Privacy Policy

Introduction

Plan My Money ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculator services.

🛡️ Our Commitment

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

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

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including but not limited to:

Contact Information

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

Calculator Usage Data

Financial parameters entered (not stored permanently)
Calculator preferences and settings
Calculation results (processed locally)
Usage patterns and frequency

Technical Information

IP address and location data
Browser type and version
Device information and operating system
Referring website and pages visited

Automatically Collected Information

When you visit our website, we automatically collect certain information, including:

IP address and approximate location (for currency and tax localization)
Browser type and version
Operating system and device information
Pages viewed and time spent on our site
Referring website and search terms used
Date and time of visits

⚠️ Important Note About Financial Data

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 and data security.

How We Use Your Information

We use the collected information for the following purposes:

Service Provision

Providing and maintaining our financial calculator services
Personalizing calculator results based on your location (currency, tax rates)
Improving calculator accuracy and functionality
Responding to your inquiries and providing customer support

Website Improvement

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

Communication

Sending newsletters and educational content (with your consent)
Providing updates about new calculators and features
Responding to your comments, questions, and requests
Sending administrative and service-related communications

Legal and Security

Protecting against fraudulent or illegal activities
Enforcing our terms of service and policies
Complying with legal obligations and regulations
Protecting the rights and safety of our users and the public

Information Sharing and Disclosure

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

Service Providers

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

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

Legal Requirements

We may disclose your information when required by law or to:

Comply with legal processes, subpoenas, or court orders
Enforce our terms of service and other agreements
Protect the rights, property, or safety of Plan My Money, our users, or others
Investigate and prevent fraudulent or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction. We will notify you of any such change and the choices you may have.

Data Security

We implement appropriate technical and organizational 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 infrastructure with regular updates
Access controls and authentication systems
Regular security audits and vulnerability assessments
Employee training on data protection and privacy
Incident response procedures for security breaches

🔐 Local Processing

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

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law.

Retention Periods:

Contact Information: Until you request deletion or unsubscribe
Website Analytics: 26 months (Google Analytics standard)
Customer Support Records: 3 years for service improvement
Legal Compliance Data: As required by applicable laws

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention and disposal procedures.

Your Rights and Choices

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

Access

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

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 a structured format.

Restriction

Request restriction of processing of your personal information 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, please contact us using the information provided in the "Contact Us" section. We will respond to your request within 30 days of receipt.

Children's Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

If you are a parent or guardian and believe that your child has provided personal information to us, please contact us immediately so we can take appropriate action.

Third-Party Services

Our website may contain links to third-party websites and services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you use.

Third-Party Services We Use:

Google Analytics: For website analytics and performance monitoring
Email Service Providers: For newsletter and communication services
Content Delivery Networks: For improved website performance
Social Media Plugins: For social sharing functionality

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and provide adequate protection for your personal information.

When transferring data internationally, we use appropriate safeguards such as:

Standard Contractual Clauses approved by relevant authorities
Adequacy decisions by relevant data protection authorities
Certification schemes and codes of conduct
Other legally recognized transfer mechanisms

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:

Posting the updated policy on our website
Updating the "Last Updated" date at the top of this policy
Sending email notifications for significant changes (if you've subscribed)
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.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the information below:

📧 Contact Information

Email: privacy@planmymoney.in

Support: support@planmymoney.in

Address: Bengaluru, Karnataka, India

Response Time: Within 30 days

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