Privacy Policy

Last updated: November 1, 2026. This policy explains what information loanprepaymentcalculator.org ("we", "us", "this site") collects, how it is used, and the choices you have.

1. Summary

The calculators on this site run entirely in your web browser. The loan figures you type in - balance, interest rate, EMI, tenure and extra payments - are never sent to us, never stored on a server and never linked to you. We do not require an account, login or any personal details to use the site.

2. Information we do not collect

• We do not collect your name, address, phone number, PAN, bank details or any other identity information.
• We do not collect or store the loan amounts, rates or results you enter into the calculators.
• We do not sell, rent or trade personal information to anyone.

3. Information collected automatically

Like almost every website, our hosting provider and third-party services may automatically receive standard technical information when you visit, such as your IP address, browser type, device type, operating system, referring page, the pages you view and the date and time of your visit. This information is used in aggregate to keep the site secure, fix problems and understand which pages are useful. It is not used to identify you personally.

4. Cookies and local storage

We use your browser's local storage to remember simple preferences, such as whether you chose light or dark mode. This stays on your device and is not sent to us. You can clear it at any time through your browser settings.

Third-party vendors, including Google, use cookies to serve ads and measure their performance, as described in the next section. You can block or delete cookies in your browser settings; the calculators will continue to work without them.

5. Advertising (Google AdSense)

This site uses Google AdSense to display advertisements, which helps keep the calculators free.

• Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to this site and/or other sites on the Internet.
• You may opt out of personalised advertising by visiting Google Ads Settings. You can also opt out of some third-party vendors' use of cookies for personalised advertising at www.aboutads.info.
• To learn more, see how Google uses information from sites that use its services.

Visitors from the European Economic Area, the United Kingdom and Switzerland may be shown a consent message, provided through Google, that lets them choose whether personalised ads are shown.

6. Third-party links

Our pages may link to other websites, such as Google's policy pages or a voluntary donation page. We are not responsible for the content or privacy practices of those sites, and we encourage you to read their privacy policies.

7. Your rights

Because we do not collect personal information directly, there is usually nothing for us to access, correct or delete. Depending on where you live (for example under India's Digital Personal Data Protection Act, the EU/UK GDPR or California's CCPA), you may have rights over data processed by advertising partners; you can exercise most of these through the Google settings linked above. For any privacy request or question, email us at loanprepaymentcalculator@gmail.com.

8. Children's privacy

This site is not directed at children under 13 (or the minimum age required in your country), and we do not knowingly collect information from children.

9. Mobile app

Our Android app, Loan Prepayment Calculator, has its own privacy policy, available at loanprepaymentcalculator.org/app-privacy.

10. Changes to this policy

We may update this policy from time to time. Changes are posted on this page with a new "Last updated" date.