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Privacy Policy

Nivesh Calculator (“we”, “us”, or “our”) operates the website https://niveshcalculator.in/ (the “Service”).

This page explains how we collect, use, disclose, and safeguard your information when you visit our Service, and the choices you have regarding that information. By using the Service, you agree to the collection and use of information in accordance with this policy.

If a term is not defined here, it has the same meaning given to it in our Terms & Conditions available on https://niveshcalculator.in/.

1) Information We Collect and Use

We collect different types of information to provide, maintain, and improve the Service.

a) Personal Data (you provide)

While using certain parts of the Service (e.g., contact forms, newsletter sign-ups, feedback), you may voluntarily provide personally identifiable information (“Personal Data”), such as:

  • Name
  • Email address
  • Address (if you choose to share it)

We use this information only for the purpose for which you provided it (e.g., responding to your query, sending updates you requested).

b) Usage Data (collected automatically)

When you access the Service, certain information may be collected automatically (“Usage Data”), including:

  • IP address and approximate location
  • Browser type and version, device type
  • Pages visited, time and date of visit, time spent on pages, and referral source
  • Technical identifiers and diagnostics

We use this data to understand how users interact with the Service, to monitor performance, and to improve content quality.

c) Cookies and Similar Technologies

We use cookies, web beacons, tags, and scripts (“Cookies”) to operate and analyze the Service.

Types of cookies we use:

  • Session Cookies – to run core features of the site.
  • Preference Cookies – to remember your settings and choices.
  • Security Cookies – to enhance security and prevent abuse.
  • Advertising & Analytics Cookies – used by us and our partners to measure performance and deliver relevant content.

Managing cookies:
You can instruct your browser to refuse cookies or to alert you when cookies are being sent. If you disable cookies, some parts of the Service may not function properly.

2) How We Use Your Information

We use collected information to:

  • Provide, operate, and maintain the Service
  • Notify you about changes to the Service
  • Enable interactive features when you choose to use them
  • Provide customer support and respond to inquiries
  • Analyze usage to improve content, features, and user experience
  • Monitor the Service for security, fraud, and abuse
  • Comply with legal obligations

3) Advertising, Analytics, and Third Parties

a) Google AdSense and the DoubleClick Cookie

We display ads that may be served by Google and other ad partners. Google uses cookies (including the DoubleClick cookie) to serve ads based on your visits to this and/or other sites. You can learn about Google’s ad practices and controls (including ad personalization) in your Google account settings.

b) Google Analytics (or similar analytics tools)

We use analytics tools to understand how visitors use the Service. These tools collect Usage Data such as page views, session duration, and interactions. This helps us improve content and site performance.

c) Affiliate Links and Sponsored Content (if applicable)

Some pages may include outbound links that could be affiliate links. If you click such a link and make a purchase or take an action, we may earn a commission at no additional cost to you. Sponsored content, if any, will be labeled in a manner appropriate to the context.

Note: Third-party partners may use their own cookies and tracking technologies. Their use of information is governed by their own privacy policies.

4) Transfer of Data

Your information may be processed on servers located outside your state or country. If you are located outside India and choose to provide information to us, your data may be transferred to and processed in India. By using the Service, you consent to this transfer.

We take reasonable steps to ensure your data is treated securely and in accordance with this Privacy Policy, and that transfers occur only where adequate safeguards are in place.

5) Data Retention

We retain Personal Data only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Usage Data may be retained for a shorter or longer period for internal analysis and security purposes.

6) Disclosure of Data

We may disclose Personal Data in good faith when necessary to:

  • Comply with a legal obligation, court order, or government request
  • Protect and defend our rights or property
  • Prevent or investigate possible wrongdoing related to the Service
  • Protect the personal safety of users or the public
  • Protect against legal liability
  • Facilitate operations with trusted service providers who act on our behalf and are bound by confidentiality obligations

7) Security

We use commercially reasonable safeguards to protect your information. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

8) Links to Other Sites

Our Service may contain links to third-party sites. We are not responsible for the content or privacy practices of those sites. We encourage you to review their privacy policies.

9) Children’s Privacy

Our Service is not directed to anyone under the age of 18. We do not knowingly collect Personal Data from children. If you believe a child has provided us Personal Data, please contact us so we can take appropriate action.

10) Your Rights and Choices

Depending on your jurisdiction (including under India’s Digital Personal Data Protection Act, 2023), you may have rights to:

  • Access and obtain a copy of your Personal Data we hold
  • Request correction or updating of inaccurate information
  • Request deletion, subject to legal obligations
  • Withdraw consent where processing is based on consent
  • Lodge a grievance or complaint as described below

To exercise these rights, contact us using the details in Contact Us.

11) Grievance Officer (India)

In accordance with applicable Indian law, you may contact our Grievance Officer for any concerns related to this Privacy Policy or your Personal Data.

Grievance Officer: [Name]
Email: grievance@niveshcalculator.in
Address: [Company/Owner Name], [Postal Address]
Working Hours: [e.g., Monday–Friday, 10:00–18:00 IST]

(If you have not appointed a Grievance Officer yet, you can use this placeholder and update it later.)

12) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated version on this page and update the “Effective date” above. We recommend reviewing this page periodically for changes.

13) Contact Us

If you have any questions about this Privacy Policy or your Personal Data, please contact us: