Privacy, in plain English too.

The short version: this site is built to know as little about you as possible. Here is the complete picture.

The website

Reading MoneyClarityTech does not require an account and the site itself does not set tracking cookies. The site is hosted on Cloudflare and uses Google Fonts; like virtually all websites, our hosting and font providers may process your IP address and standard technical request data to deliver the pages.

The calculators and tools

The All-in-One EMI Calculator, the Credit Score Simulator, Rent vs Buy and Apna Paisa all run entirely in your browser. The numbers you type — loan amounts, salaries, credit details, tenures — are never uploaded, never stored on our servers, and never seen by us. The Credit Score Simulator needs no report or document at all. Some tools save your inputs in your own device's local storage so they're there when you return; clearing your browser data removes them.

Apna Paisa (the salary planner)

Without login: everything stays on your device in local storage. Nothing reaches any server. There is no SMS reading, no bank account linking, and no access to your contacts.
With optional login (cloud sync): if you sign in with your email, we store (a) your email address and (b) your planner data, so it can sync across your devices. This is stored with our backend provider, Supabase, in a data centre in Mumbai, India, protected by row-level security so only your account can read your data.
Deletion: email hello@moneyclaritytech.com from your registered address and your account and synced data will be deleted.

YouTube videos

Videos on the Watch page are embedded through YouTube's privacy-enhanced player (youtube-nocookie.com), which does not set tracking cookies unless you play a video. Playing a video is subject to Google's own privacy policy.

Email

If you write to us, we keep the correspondence to reply to you. We don't add you to any list because you emailed us.

Analytics

We may use privacy-respecting analytics to understand which pages are read. Analytics of this kind is aggregate — it tells us a page was read, not who read it.

Advertising (Google AdSense)

The article and content pages of this website carry advertising served by Google AdSense. This is how the publication stays free to read. Here is exactly what that means for you:

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website and to other websites on the internet.
Google's use of advertising cookies (such as the DoubleClick cookie) enables it and its partners to serve ads to you based on your visits to this site and/or other sites.
You can opt out of personalised advertising by visiting Google's Ads Settings. You can also opt out of many other third-party vendors' use of cookies for personalised advertising at www.aboutads.info.
Google and its partners process this data under How Google uses information from sites that use its services.

Where ads never appear: inside the tools. The All-in-One EMI Calculator, Apna Paisa, the Credit Score Simulator and Rent vs Buy remain ad-free and tracking-free — your financial inputs are never used for advertising, because they never leave your device in the first place.

What we never do

Sell or rent your personal data. To anyone. Ever.
Read your SMS, contacts or bank accounts.
Require an account to use the educational content or tools.

Changes and contact

If this policy changes materially, the "last updated" date above will change with it. Questions or requests about your data: hello@moneyclaritytech.com.