Privacy Policy

Personal Information

When you create an account or use certain features, we may collect:

• Name and email address
• Account credentials (encrypted passwords)
• Profile information you choose to provide
• Communication preferences

Usage Information

We automatically collect certain information when you use our services:

• Device information (browser type, operating system)
• IP address and general location data
• Pages visited and features used
• Time and date of visits
• Referring website addresses

Financial Calculation Data

Most calculations are performed locally in your browser and are not transmitted to our servers. If you choose to save calculations while logged in, we store only the input parameters and results—never sensitive financial account details.

We use the information we collect to:

• Provide, maintain, and improve our services
• Create and manage your account
• Send you important updates, newsletters, and promotional content (with your consent)
• Respond to your inquiries and provide customer support
• Analyze usage patterns to enhance user experience
• Detect, prevent, and address technical issues or fraudulent activity
• Comply with legal obligations and enforce our terms

We use cookies and similar tracking technologies to enhance your experience. These include:

• Essential Cookies: Required for basic site functionality (e.g., authentication, security)
• Analytics Cookies: Help us understand how users interact with our site
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Note that disabling certain cookies may affect site functionality. For more details, see our Cookie Policy.

We implement industry-standard security measures to protect your information:

• Encryption of data in transit (HTTPS/TLS)
• Secure password hashing and storage
• Regular security audits and updates
• Access controls and authentication mechanisms
• Secure cloud infrastructure with reputable providers

While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the best of our ability.

Third-Party Services

We may use third-party service providers to help us operate our platform:

• Analytics: Google Analytics, Vercel Analytics (to understand user behavior)
• Hosting: Cloud infrastructure providers (Vercel, AWS, etc.)
• Email: Email service providers for transactional and marketing emails

These third parties have access to your information only to perform specific tasks on our behalf and are obligated to protect your data in accordance with this Privacy Policy.

Your Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request your data in a structured, machine-readable format

To exercise any of these rights, please contact us at privacy@moneyutility.in.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on this page and updating the "Last updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: