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

Every calculator on this site — the All-in-One EMI Calculator, the Income Tax Calculator, the Credit Score Simulator, Rent vs Buy, Spread Check, Apna Paisa and the loan and MSME calculators — runs 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)

No account, no login, no server. Everything you enter stays in your browser's local storage on your own device. Nothing reaches any server, ours or anyone else's. There is no SMS reading, no bank account linking, and no access to your contacts.
Backups are yours: the JSON backup under More downloads a file to your device. We never receive a copy.
Deletion: the reset option inside Apna Paisa, or clearing this site's data in your browser, removes everything. There is nothing held anywhere else to delete.

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

This site uses Cloudflare Web Analytics to understand which pages are read. It is cookieless: it sets no cookies, uses no client-side state, does not fingerprint your device, and does not track you across other websites. What it records is aggregate — that a page was loaded, roughly where in the world from, and how quickly it rendered. It tells us a page was read, not who read it, and there is no profile of you anywhere in it.

Because it stores nothing on your device and identifies nobody, this analytics needs no cookie banner and gives us no way to contact or re-target you.

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. Every calculator and planner on the site remains 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.