Privacy Policy

Vittarthi("we," "us," or "our") operates the website vittarthi.com — a free online platform providing financial calculators, educational articles, and personal finance tools for Indian users.

This Privacy Policy explains how we handle information when you visit our website. It applies to all pages, calculators, blog articles, and other content accessible at vittarthi.com and its subdomains.

By using our website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with its terms, please discontinue use of the website.

This policy is governed by the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023 (DPDPA) of India, and aligns with globally recognised privacy principles.

We collect information in the following categories. Importantly, none of the financial inputs you enter into our calculators are transmitted to our servers — all calculations happen locally in your browser.

2.1 Information you provide directly

• Contact form submissions: If you contact us via email or a contact form, we collect your name, email address, and the content of your message — solely to respond to your enquiry.
• Newsletter or update subscriptions: If you subscribe to updates (where offered), we collect your email address for that purpose only.
• Account registration: If you create an optional account, we collect your name, email address, and a hashed password.

2.2 Information collected automatically

2.3 What we do NOT collect

• Financial account numbers, bank details, PAN, Aadhaar, or any government ID
• Credit card or payment information (we do not charge for any service)
• Precise real-time location data
• Biometric data of any kind
• Calculator inputs (loan amounts, salaries, investment figures)

We use the limited information we collect exclusively for the following purposes:

• Operating and improving the website: Analytics data helps us understand which calculators are used most, identify technical issues, and prioritise improvements.
• Responding to enquiries: Contact information provided through forms is used only to respond to your specific message. We do not add you to any marketing list without explicit consent.
• Security and fraud prevention: IP address data may be used to detect and block automated abuse, spam, or malicious traffic.
• Compliance with law: We may retain or disclose information where required by Indian law, court order, or competent government authority.
• Service communications: If you have an account or newsletter subscription, we may send you update emails directly related to that service.

We do not use your information for targeted advertising, sell your data to third parties, or share it with financial institutions, lenders, or insurance companies.

We use cookies and similar browser-based storage technologies to operate and analyse the website. Cookies are small text files stored on your device. They do not give us access to your device or personal files.

Types of cookies we use:

• Strictly necessary cookies: Required for basic site functionality (e.g., session management, security tokens). These cannot be disabled.
• Analytics cookies: Used by our analytics provider (such as Google Analytics) to collect aggregated, anonymised data about site usage. These can be disabled via your browser settings or our cookie consent tool (where present).
• Preference cookies: Remember your settings such as dark/light mode or calculator defaults. These are deleted when you clear your browser storage.

Google Analytics: We use Google Analytics to understand site traffic. Google Analytics anonymises IP addresses before storing them and does not identify individual users. You can opt out of Google Analytics tracking across all websites by installing the Google Analytics Opt-out Browser Add-on.

We use a small number of trusted third-party services to operate the website. Each has its own privacy policy governing its data practices:

We do not share personal data with advertisers, data brokers, financial institutions, or any entity for commercial gain. We do not display third-party targeted advertisements on Vittarthi.

External links on our site (to EPFO, SEBI, CIBIL, etc.) are provided for reference. Once you leave vittarthi.com, this Privacy Policy no longer applies. We recommend reviewing the privacy policy of any site you visit.

Our website and any associated data are hosted on servers located in India or within jurisdictions that provide adequate data protection standards. We implement the following security measures:

• HTTPS encryption for all data transmitted between your browser and our servers
• Regular security reviews of our infrastructure and third-party integrations
• Access controls limiting who can access any stored data
• Prompt disclosure and response in the unlikely event of a data breach

Data retention: Contact form and enquiry data is retained for up to 12 months to manage follow-up correspondence, then deleted. Anonymised analytics data is retained for up to 26 months in accordance with Google Analytics standard settings. Account data is retained while the account is active and deleted within 30 days of an account deletion request.

No security system is impenetrable. While we take commercially reasonable steps to protect your data, we cannot guarantee absolute security of information transmitted over the internet.

Under the Digital Personal Data Protection Act, 2023 (DPDPA), you have the following rights with respect to your personal data:

• Right to access: Request a summary of what personal data we hold about you.
• Right to correction: Request correction of inaccurate or incomplete personal data.
• Right to erasure: Request deletion of your personal data, subject to any legal obligations we must fulfil.
• Right to withdraw consent: Where processing is based on your consent (e.g., newsletter subscription), withdraw that consent at any time.
• Right to grievance redressal: Lodge a complaint with us, and if unresolved, escalate to the Data Protection Board of India (once constituted).

Since most users interact with Vittarthiwithout providing any personal data, exercising these rights may not be applicable in many cases. For users who have submitted a contact form or created an account, please contact us at the address below to exercise any of the above rights. We will respond within 30 days.

Vittarthi's services are intended for users aged 18 and above. We do not knowingly collect personal data from anyone under the age of 18. Our calculators are educational tools; students and younger users are welcome to use them, but we do not encourage or seek registration or data submission from minors.

If you are a parent or guardian and believe your child has submitted personal information to us, please contact us immediately at privacy@vittarthi.com and we will delete that information promptly.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Post a notice on our website for at least 30 days after significant changes
• Send an email notification to registered account holders for material changes

Your continued use of the website after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

If you have questions, concerns, or requests related to this Privacy Policy or your personal data, please reach out to us through any of the channels below. We are committed to addressing all privacy-related queries promptly.