Privacy Policy

Our Privacy Commitment

At CentralPayCalc.in, we believe that your financial privacy is a fundamental right, not a luxury. This Privacy Policy outlines our unwavering commitment to protecting your personal information and explains how we implement privacy-by-design principles throughout our platform. We've built our service from the ground up with your privacy as a core consideration, not as an afterthought.

This document provides comprehensive information about what data we collect (spoiler: almost none), how we use it, and the measures we take to protect your information. We encourage you to read this policy carefully to understand our practices and feel confident in using our services.

Fundamental Privacy Principles

Our approach to privacy is guided by several fundamental principles that shape every aspect of our platform:

Data Minimization

We collect the absolute minimum amount of information necessary to provide our services. In most cases, this means we collect no personal information at all. You can use all our calculators without providing any personal data, creating an account, or revealing your identity.

Local Processing

All calculations happen locally in your web browser. Your salary information, pension details, and other financial data never leave your device. This approach ensures that even we cannot access your sensitive financial information.

Transparency

We're completely transparent about what little data we do collect and how we use it. There are no hidden tracking mechanisms or covert data collection practices.

Information We Don't Collect

We believe it's as important to tell you what we don't collect as what we do collect. Here are the types of information we specifically avoid collecting:

Personal Identification Information

We do not collect any personal identification information. This includes but is not limited to:

• Name, address, or contact information
• Government identification numbers
• Email addresses (unless you voluntarily contact us)
• Phone numbers
• Date of birth

Financial Information

We do not collect any financial information that you input into our calculators. This includes:

• Salary amounts
• Pension details
• Bank account information
• Investment details
• Any other financial data used in calculations

Usage Analytics

We do not use detailed analytics tracking that monitors individual user behavior. We don't track which calculators you use, how often you use them, or what specific inputs you provide.

Technical Information Collection

Like virtually all websites, some technical information is automatically collected by our web server and third-party services. This information is minimal and non-personally identifiable:

Server Logs

Our web server automatically collects standard technical information when you visit our site. This includes:

• IP address (anonymized where possible)
• Browser type and version
• Operating system
• Referring website
• Pages visited
• Date and time of visit

This information is used solely for operational purposes, such as maintaining security, diagnosing technical issues, and understanding aggregate usage patterns. Server logs are typically retained for 30 days and then automatically deleted.

Cookies and Similar Technologies

We use minimal cookies and similar technologies to enhance your experience:

Essential Technical Cookies

These cookies are necessary for the basic functioning of our website and cannot be switched off. They're usually set in response to actions you take, such as setting your privacy preferences or managing calculator results.

Third-Party Cookies

Third-party services we use, primarily Google AdSense, may set cookies to support advertising operations. These cookies help display relevant advertisements and prevent the same ad from appearing too frequently.

Third-Party Services

We use a limited number of third-party services to support our platform's operations:

Google AdSense

We use Google AdSense to display advertisements on our site. Google uses cookies to serve ads based on a user's prior visits to our website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet.

Users may opt out of personalized advertising by visiting Google's Ads Settings. Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info.

Content Delivery Networks

We use content delivery networks (CDNs) to ensure fast loading times worldwide. These services may collect standard technical information similar to our server logs.

Data Security Measures

While we collect minimal data, we take the security of what little we do handle very seriously:

Encryption

We use HTTPS encryption across our entire website to protect data in transit between your browser and our servers. This ensures that any information exchanged cannot be intercepted by third parties.

Server Security

Our servers are maintained with up-to-date security patches and monitored for suspicious activity. We implement industry-standard security measures to protect against unauthorized access.

Data Minimization as Security

Our most powerful security measure is our commitment to data minimization. By collecting and storing minimal information, we significantly reduce the potential impact of any security incident.

Your Privacy Rights

We believe in empowering you with control over your information:

Right to Access

You have the right to know what information we have about you. Given our minimal data collection, we typically have little to no personal information about our users.

Right to Deletion

You can request deletion of any information we might have about you. We will promptly honor such requests to the extent technically feasible.

Cookie Controls

Most web browsers allow you to control cookies through their settings preferences. However, limiting cookies may affect your experience on our site and others.

Children's Privacy

Our service is not directed to individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete such information.

International Data Transfers

As our platform is accessible worldwide, your information may be processed on servers located outside of your country of residence. These countries may have data protection laws that are different from the laws of your country.

However, given our minimal data collection practices, the amount of personal information potentially subject to international transfer is extremely limited.

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 post any changes on this page with an updated "Last Updated" date.

For significant changes, we may provide more prominent notice, such as adding a statement to our homepage or sending you a notification if we have your contact information.

Contact Information

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

Email: support@centralpaycalc.in

We typically respond to privacy-related inquiries within 2-3 business days.