1. Who We Are
LoanRateCal.in ("LoanRateCal", "we", "us", "our") is a free financial calculator and rate information website operated by an independent developer based in India. It is not a bank, NBFC, financial advisor or registered financial institution. For privacy-related queries contact: hello@loanratecal.in
2. Information We Do NOT Collect
LoanRateCal.in is designed with minimal data collection. We do not collect:
- Your name, email address or any personal identification information
- Loan amounts, income figures or any financial data you enter into calculators — all calculations happen entirely in your browser and are never transmitted to our servers
- Your IP address, device information or browser fingerprint by LoanRateCal itself
- Your location, search history or browsing behaviour outside of this site
- Any account credentials — LoanRateCal requires no registration or login
3. Information That Is Processed
3.1 Calculator Data
All EMI calculations, SIP calculations, FD calculations and loan eligibility checks on LoanRateCal.in are performed entirely within your web browser using JavaScript. No data you enter into any calculator is transmitted to our servers or to any third party. Your financial information stays entirely on your device.
3.2 Google AdSense
LoanRateCal.in displays advertisements served by Google AdSense (Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland). Google AdSense uses cookies and similar technologies to serve personalised advertisements. Specifically, Google AdSense may:
- Place and read cookies on your browser to deliver interest-based advertisements
- Use your IP address, device information and browsing behaviour to select relevant ads
- Collect data about your visits to this and other websites to build interest profiles
LoanRateCal.in does not control how Google collects or uses this data. For full details see: How Google uses data when you use our partners' sites.
You can opt out of Google personalised advertising at: Google Ad Settings.
3.3 Google Fonts
This website loads fonts (Syne and DM Sans) from Google Fonts servers. Google may log your IP address when loading these fonts. See Google Privacy Policy for details.
3.4 Cookies
LoanRateCal.in does not set any first-party cookies. All cookies on this site are set exclusively by Google AdSense for advertising purposes. You can manage cookies through your browser settings at any time.
4. Financial Data Disclaimer
All EMI calculations, interest rate figures and bank rate information displayed on LoanRateCal.in are indicative only. This site is not a financial advisor and does not store, process or transmit any of your personal financial data. Always verify figures directly with your bank or a registered financial advisor before making borrowing decisions.
5. Third-Party Services
- Google AdSense — Advertisements. Privacy Policy
- Google Fonts — Typography. Privacy Policy
- Reserve Bank of India — Rate data sourced from publicly available RBI publications. rbi.org.in
LoanRateCal.in is not affiliated with any bank, NBFC, RBI or financial institution mentioned on this site.
6. Children's Privacy
LoanRateCal.in is not directed at children under 13. We do not knowingly collect personal information from children. Contact hello@loanratecal.in if you have concerns.
7. Data Security
Since LoanRateCal.in does not collect or store personal data, there is no personal data at risk on our servers. The site is served over HTTPS for secure transmission.
8. Your Rights (GDPR & Indian DPDP Act 2023)
Since LoanRateCal.in does not collect or store personal data, there is no personal data to access, correct or delete. For data held by Google AdSense, use Google's privacy tools at myaccount.google.com/privacy.
9. Changes to This Policy
We may update this Privacy Policy at any time. Changes will be reflected by updating the date at the top of this page. Continued use of LoanRateCal.in after changes constitutes acceptance of the updated policy.
10. Contact
- Email: hello@loanratecal.in
- Website: loanratecal.in
- About page: loanratecal.in/about.html