1. Introduction & Scope

This Privacy Policy explains how Vaddi Calculator ("we," "our," or "us"), accessible via https://vaddicalculator.in, handles information when you visit and interact with our website, calculators, and educational content.

By using our website, you agree to the collection and use of information in accordance with this policy and applicable data privacy regulations, including the Digital Personal Data Protection Act, 2023 (DPDP Act, India) and international privacy frameworks.

2. Client-Side Computational Architecture

Our application operates as a high-performance static Multi-Page Application (MPA). All computational algorithms—including Rupee Vaddi conversion, simple interest, compound interest (Chakra Vaddi), Gold Loan LTV ratios, tractor crop-cycle schedules, and bank EMI calculations—run strictly on the client side inside your web browser.

At no point are your financial figures, loan parameters, or generated amortization schedules sent across the network or logged on our web servers.

3. Information We Collect & How We Use It

A. Information You Voluntarily Provide

If you choose to contact us via our Contact Form, you may provide your name and message contents. This information is used exclusively to respond to your inquiry and is never shared with or sold to third-party marketers.

B. Technical & Log Data

Like most websites, our hosting servers automatically record standard anonymous technical data such as browser type, operating system, referring URL, time of access, and non-identifying IP network routing data. This information is used solely for maintaining server reliability, monitoring uptime, and preventing denial-of-service abuse.

4. Local Storage & Browser Preferences

We use browser localStorage solely to remember your user interface preferences, such as:

Theme Mode: Saving your preference for Dark Mode or Light Mode across visits.
Calculator Presets: Retaining default calculator settings on your local device for your personal convenience.

This data remains stored locally on your device and can be cleared at any time through your browser settings.

5. Cookies & Analytics

We may use minimal, privacy-centric analytics cookies to understand aggregated website traffic patterns, such as which calculator tools are most popular, bounce rates, and device screen resolutions. These cookies do not track you across other websites and do not build personalized behavioral advertising profiles.

You have full control over cookies and can disable them in your browser preferences without affecting calculator functionality.

6. Third-Party Services & External Links

Our pages may contain links to external sites (such as official Reserve Bank of India notifications, government subsidy portals, or font CDN providers like Google Fonts). We do not operate or control third-party websites and are not responsible for their privacy practices. We encourage you to review their privacy policies when visiting external links.

7. User Rights (DPDP Act 2023 & GDPR)

Under applicable data protection laws, you are entitled to certain rights regarding your personal data:

Right to Access: You may request confirmation of whether we possess any personal information (such as previous contact messages) relating to you.
Right to Correction & Erasure: You may request that we update or permanently delete any contact messages or communication logs.
Right to Withdraw Consent: You may withdraw consent for communications at any time.

8. Children's Privacy

Our website and calculators are intended for general audience financial estimation and educational purposes. We do not knowingly collect or solicit personal data from children under the age of 18.

9. Updates to This Privacy Policy

We may update our Privacy Policy periodically to reflect new features, security best practices, or regulatory amendments. Any revisions will be posted directly on this page with an updated "Last Updated" timestamp.