Privacy Policy

1. Introduction

This Privacy Policy describes how Pocketsense (“we”, “our”, “us”) collects, uses and protects information when you use our website and tools, including EMI calculators, SIP planners and other financial utilities (collectively, the “Services”).

By using this website, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

We aim to keep data collection minimal. In general, we collect two types of information:

• Usage data (analytics) — anonymous or pseudonymous information about how you use the site, such as pages visited, buttons clicked, device type, browser type, approximate location (city/country), and session duration.
• Calculator inputs (in your browser) — loan amounts, interest rates, tenure, SIP amounts, etc. These values are processed in your browser purely for calculation and are not intentionally stored on our servers.

3. Google Analytics & Tracking

We use Google Analytics to understand how visitors use our website and to improve the user experience. Google Analytics collects usage data such as:

• Pages you visit and how long you stay on them
• How you arrived on the site (for example, via search engine or referral link)
• Your device and browser type (mobile/desktop, browser version, operating system)
• Anonymized IP address (we may enable IP anonymization where supported)

Google may use the collected data for its own purposes according to its own privacy policy. You can read more about how Google uses data here: https://policies.google.com/technologies/partner-sites.

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

4. Cookies & Similar Technologies

Our website may use cookies or similar technologies (such as local storage) to:

• Remember your basic preferences (e.g., last selected tool or theme).
• Measure anonymous usage statistics via Google Analytics.

Cookies are small text files stored on your device. You can control or delete cookies through your browser settings. Disabling cookies may affect some parts of the website, but core calculations should still work.

5. Tools Are for Information Only (No Financial Advice)

The calculators and tools on this website are provided for general informational and educational purposes only. While we try to keep the formulas accurate and up to date, the results:

• Are approximations based on the inputs and assumptions you provide.
• May not match the exact calculations used by banks, NBFCs, mutual funds or other financial institutions.
• Do not consider all charges, taxes, fees or specific product conditions.

Nothing on this site is investment, tax, legal or financial advice. Before making any financial decisions, you should verify values with your bank or advisor and consider consulting a qualified financial professional.

6. Limitation of Liability

We do not guarantee the accuracy, completeness or suitability of any calculations, outputs or information provided by the Tools. By using this website, you agree that:

• You use the Tools entirely at your own risk.
• We are not responsible for any loss, damage or consequences (direct or indirect) arising from the use of or reliance on the calculators, results or any content on this website.

7. Third-Party Links

Our website may contain links to third-party websites or services (such as blogs, bank websites or product pages). We are not responsible for the content, privacy policies or practices of any third-party sites. Visiting them is at your own discretion.

8. Data Retention

Analytics data collected via Google Analytics is retained according to the retention settings configured in Google Analytics. Calculator inputs are processed in your browser and are not intentionally stored on our servers. If we introduce user accounts or server-side storage in the future, this section will be updated with specific details.

9. Use by Children

Our Services are intended for use by adults. We do not knowingly collect personal information from children under 13 (or the relevant minimum age in your jurisdiction). If you believe a child has provided us with personal data, please contact us so we can delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements or other reasons. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the website after changes means you accept the updated policy.