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At FinanceToolkit.online ("we," "us," or "our"), we respect your privacy and are committed to protecting it. This Privacy Policy outlines our practices concerning the collection, use, disclosure, and safeguarding of your information when you use our website, tools, and services (collectively, the "Services"). By using our Services, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We collect different types of information based on how you interact with our Services. Our principle is to collect only what is necessary to provide and improve our Services.

• For Guest Users (Anonymous): If you use our Services without creating an account, we prioritize your anonymity. All financial data you enter into our calculators and tools (such as transactions, budget plans, loan amounts, SIP details, etc.) is stored exclusively **locally on your device** within your web browser's local storage. This data is not transmitted to, or stored on, our servers. We do not have access to it. We do not collect any Personally Identifiable Information (PII) from guest users.
• For Registered Users: When you choose to create an account to save and sync your data, we collect the following information:
  • **Email Address:** Used as a unique identifier for your account and for communication purposes (e.g., password reset, important service updates).
  • **Authentication Credentials:** A securely hashed and salted password. We never store your password in plain text.
  • **Financial Data:** Your transaction history, budget plans, and other data you enter are securely stored in our cloud database (Google Firebase) to enable synchronization across your devices and to provide you with access to your data from anywhere.
• Usage and Analytics Data (Non-Personal): To improve our application's performance and user experience, we automatically collect non-personal information about how you interact with our Services. This includes your IP address (which may be anonymized), browser type, device type, operating system, pages visited, features used, and timestamps of your visits. We use trusted third-party services like Google Analytics and Microsoft Clarity for this purpose. This data is aggregated and does not personally identify you.

2. How We Use Your Information

We use the information we collect for the following specific purposes:

• To provide, operate, and maintain the core functionalities of our Services, including calculations and data display.
• To enable cloud synchronization of your financial data for registered users, allowing you to access your information across multiple devices.
• To improve, personalize, and expand our Services by understanding user behavior and preferences.
• To develop new tools, features, and functionalities.
• To communicate with registered users regarding their account, security updates, or important changes to our Services.
• To respond to your support requests and inquiries.
• To provide AI-driven features (like the Finance Buddy and AI Budget Advisor) by processing the financial data you provide in an anonymized manner to generate insights.
• To prevent fraud and ensure the security of our platform.

3. Cookies and Third-Party Advertising

• Cookies: We use cookies to help our site function correctly and to collect analytics data. Cookies are small text files stored on your device. They help us remember your preferences (like language and currency) and understand how you use our site. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent, although some parts of our Service may not function properly without them.
• Google AdSense: To support our ability to offer free tools, we use Google AdSense to display advertisements on our Website. Google, as a third-party vendor, uses cookies (including the DoubleClick DART cookie) to serve ads based on a user's prior visits to our Website and other websites on the internet. This allows them to show relevant ads to you. You may opt out of the use of the DART cookie by visiting the Google Ad Settings page.

4. Data Security

We implement robust administrative, technical, and physical security measures to protect your data. For registered users, data is stored with Google Firebase, which uses industry-standard encryption (such as TLS/SSL) for data in transit and at rest. Access to personal data is strictly limited to authorized personnel who require it to perform their job functions. However, no electronic transmission or storage system is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Data Sharing and Disclosure

We do not sell, trade, rent, or otherwise transfer your personal financial data to third parties. Your trust is paramount. We may share information under the following limited circumstances:

• With trusted third-party service providers who assist us in operating our website (e.g., hosting, analytics), so long as those parties agree to keep this information confidential.
• We may share aggregated, anonymous usage data with analytics providers (like Google Analytics) for the sole purpose of service improvement.
• We will only disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g., a court or a government agency).

6. Your Rights & Data Control

You have complete control over your data on our platform.

• You have the right to access, update, or delete the financial data you have entered at any time directly within the application.
• Guest users can permanently clear all their data by clearing their browser's cache and local storage.
• Registered users can request the complete deletion of their account and all associated data by contacting our support team. We will process your request in a timely manner as per applicable regulations.

7. Children's Privacy

Our Service is not intended for use by children under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If we become aware that we have collected Personal Data from children without verification of parental consent, we will take steps to remove that information from our servers.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.