Privacy Policy

1. Overview

InvestWise ("we", "us", "our") operates this website to help users plan investments using SIP, Lumpsum, and Goal Planner calculators. We respect your privacy and have designed our calculators to work without collecting your financial inputs. This policy describes the limited information we do collect — primarily for analytics, advertising, and operating the site — and the choices you have.

By using this website, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use of the site.

2. Information We Collect

2.1 Information that stays on your device

The values you enter into our calculators — investment amounts, expected return rates, time periods, target corpus, step-up percentages — are processed entirely in your web browser. They are not transmitted to our servers and are not stored by us in any form.

2.2 Information collected automatically

When you visit the site, our hosting provider and analytics services may automatically log certain technical information, including:

• IP address (often truncated or anonymised by analytics providers)
• Browser type, browser version, and operating system
• Device type and screen resolution
• Pages visited, time spent on each page, and referring URL
• Approximate geographic location (country / region level)
• Date and time of access

This information is used to operate the site, monitor performance, prevent abuse, and understand how visitors use our calculators in aggregate.

2.3 Information you provide

If you contact us via email or our contact form, we receive the information you choose to share — typically your name, email address, and message contents. We use this only to respond to your enquiry.

3. How We Use Information

We use the information we collect to:

• Operate, maintain, and improve the website and its calculators
• Understand visitor behaviour in aggregate to improve content and features
• Display relevant advertising through Google AdSense
• Detect and prevent fraud, abuse, or technical issues
• Respond to user enquiries and support requests
• Comply with applicable legal obligations

We do not sell your personal information. We do not use your calculator inputs for any purpose because we do not collect them.

4. Cookies & Tracking Technologies

Cookies are small text files placed on your device by the websites you visit. We and our third-party partners use cookies and similar technologies (such as web beacons and local storage) for the purposes described below.

4.1 Essential cookies

These are required for the site to function — for example, remembering security preferences. They cannot be disabled without breaking core functionality.

4.2 Analytics cookies

We use Google Analytics to understand how visitors use the site. These cookies collect aggregated, pseudonymised information. See Section 6 for more details.

4.3 Advertising cookies

Google AdSense and its partners use cookies to serve ads, including ads tailored to your interests based on your activity across the web. See Section 5 for more details on AdSense, including how to opt out.

4.4 Managing cookies

Most browsers allow you to view, delete, and block cookies via their settings. Blocking certain cookies may impair the functionality of this and other websites. You can also manage personalised advertising cookies through the tools listed in Section 5.

5. Google AdSense

Google AdSense uses cookies and similar technologies to serve ads based on your prior visits to this website and other websites on the internet. Specifically:

• Google, as a third-party vendor, uses cookies to serve ads on this site, including the DoubleClick DART cookie.
• Google's use of advertising cookies enables it and its partners to serve ads to users based on their visits to this site and other sites on the internet.
• Third-party vendors and ad networks may also use cookies to serve ads on this site.
• Ad servers may collect your IP address, browser information, the pages you view, and the time of your visits in order to deliver ads.

5.1 Opting out of personalised advertising

You can opt out of personalised advertising by:

• Visiting Google Ads Settings to control the ads Google shows you.
• Visiting aboutads.info to opt out of interest-based advertising from participating companies.
• Visiting youronlinechoices.eu (for users in the European Union).
• Adjusting your browser settings to block third-party cookies.

5.2 Users in the EU, EEA, UK, and Switzerland

If you are located in the European Union, European Economic Area, United Kingdom, or Switzerland, we and Google rely on your consent for the use of cookies for personalised advertising, in accordance with Google's EU User Consent Policy. You will be presented with a consent prompt before such cookies are set, and you may withdraw consent at any time.

5.3 More information from Google

To learn more about how Google uses information from sites or apps that use its services, please see How Google uses information from sites or apps that use our services.

6. Google Analytics

We use Google Analytics, a web analytics service provided by Google LLC, to understand how visitors interact with the site. Google Analytics uses cookies and similar identifiers to collect information such as the pages you visit, time spent on the site, and how you arrived. This data is aggregated and pseudonymised; it does not directly identify you.

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

7. Third-Party Services

In addition to Google AdSense and Google Analytics, our site relies on third-party providers for hosting, content delivery, and similar infrastructure. These providers may receive technical information (such as your IP address) as a necessary part of delivering the site to your browser. We choose providers with reasonable security and privacy practices.

We do not control how third parties use information collected through their services. We encourage you to review their privacy policies.

8. Data Sharing & Disclosure

We do not sell your personal information. We may share information only in the following limited circumstances:

• With service providers (such as hosting, analytics, and advertising partners) who process information on our behalf, under contractual obligations.
• To comply with applicable law, legal process, or enforceable government request.
• To protect the rights, property, or safety of our users, ourselves, or others.
• In connection with a merger, acquisition, or sale of assets, in which case any acquirer would be bound by this policy or notify users of changes.

9. Data Security

We use HTTPS encryption for all communication between your browser and our website. While no method of transmission over the internet is completely secure, we take reasonable measures to protect the limited information we do collect. Because the calculators run entirely on your device, the financial values you enter are never transmitted to us and therefore cannot be intercepted in transit to or from our servers.

10. Children's Privacy

Our website is intended for users aged 18 and above and is not directed at children. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will take steps to remove it.

11. Your Rights & Choices

Depending on your location, you may have the following rights with respect to information we hold about you:

11.1 India (DPDP Act, 2023)

If you are an Indian resident, you may have the right to access, correct, or erase your personal data, withdraw consent, and lodge a complaint with the Data Protection Board of India.

11.2 European Union, EEA, and United Kingdom (GDPR / UK GDPR)

If you are located in the EU, EEA, or UK, you may have rights to access, rectify, erase, restrict, or object to the processing of your personal data, as well as the right to data portability and to lodge a complaint with your local supervisory authority.

11.3 California, USA (CCPA / CPRA)

If you are a California resident, you may have rights to know what personal information we collect, request deletion, opt out of sale (we do not sell personal information), and not be discriminated against for exercising these rights.

11.4 How to exercise your rights

To exercise any of these rights, please contact us using the details in Section 14. We will respond within the time limits required by applicable law. We may need to verify your identity before fulfilling your request.

12. International Users & Data Transfers

Our service providers (including Google) may process information in countries other than your own, including the United States. These transfers are governed by the privacy frameworks and contractual safeguards used by those providers. By using the site, you understand that information may be transferred internationally.

13. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices, services, or applicable law. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide a more prominent notice. We encourage you to review this policy periodically.