Privacy Policy

Last Updated: January 7, 2026

At MoneyWiseGuide, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning tools and calculators.

1. Information We Collect

Personal Information

When you register for an account or use our services, we may collect:

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

Financial Calculation Data

We may store calculation inputs and results when you use our tools, including:

• Investment amounts and durations
• Income and tax-related information
• Budget and expense tracking data
• Goal planning parameters

Usage Information

• Pages visited and features used
• Time spent on the platform
• Device and browser information
• IP address and location data

2. How We Use Your Information

We use the collected information to:

• Provide and maintain our financial planning services
• Save your calculation history for future reference
• Improve and personalize user experience
• Send important updates and notifications
• Analyze usage patterns to enhance our tools
• Comply with legal obligations

3. Data Security

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

• SSL/TLS encryption for data transmission
• Encrypted password storage using bcrypt hashing
• Secure session management
• Regular security audits and updates
• Restricted access to personal information

4. Data Sharing and Disclosure

We do not sell your personal information. We may share data only in these circumstances:

• Service Providers: Trusted third parties who assist in operating our platform
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In case of merger, acquisition, or asset sale

5. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your login session
• Remember your preferences
• Analyze site traffic and usage
• Improve functionality and user experience

You can control cookies through your browser settings, though this may affect functionality.

6. Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct your information
• Deletion: Request deletion of your account and data
• Opt-out: Unsubscribe from marketing communications
• Data Portability: Request your data in a portable format

7. Children's Privacy

Our services are not intended for users under 18 years of age. We do not knowingly collect information from minors. If you believe a child has provided us with personal information, please contact us immediately.

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Data Retention

We retain your personal information as long as your account is active or as needed to provide services. You may request deletion at any time, subject to legal obligations.

10. International Users

Our services are primarily designed for Indian users. If you access our platform from outside India, please be aware that your information may be transferred to and processed in India.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or prominent notice on our platform. Continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us:

• Email: privacy@moneywiseguide.com
• Address: MoneyWiseGuide, India