Privacy policy
Effective 12 July 2026 · Last updated 12 July 2026
1. Who operates this website
Fincal India is the publisher of fincalindia.com. For privacy questions, consent withdrawal, correction, erasure or grievances, email Fincalindia@gmail.com or call +91 9167194099. This policy is intended to reflect applicable Indian law, including the Digital Personal Data Protection Act, 2023 and related rules as their provisions become applicable and come into force.
2. Information we collect
Calculator inputs are ordinarily processed within your browser and are not stored merely because you adjust a calculator. If you submit a callback form, we may collect your name, mobile number, email address, pincode, selected product, page, source and recorded consent. Contact and feedback forms collect your name, email address, message, category, page and consent. Our hosting and security providers may process limited technical data such as IP address, browser information, timestamps and security signals to deliver the site, prevent abuse and diagnose failures.
3. Information we do not request
Do not submit PAN, Aadhaar, bank-account or card details, passwords, OTPs, portfolio credentials, medical information or copies of financial documents. Calculator fields are designed for estimates rather than personal identifiers.
4. Why we use information
We use submitted information to respond to requests, record and manage consent, provide a requested callback, correct calculators or content, improve the service, protect the website from spam and misuse, maintain records required by law, and establish or defend legal claims. We do not use a callback request as consent for unrelated marketing.
5. Consent and withdrawal
Where processing depends on consent, the relevant form describes the purpose and requires an affirmative checkbox. You may withdraw consent by contacting us. Withdrawal does not affect processing already completed lawfully, and we may retain a minimal suppression or compliance record where reasonably necessary to honour the withdrawal or meet legal obligations.
6. Sharing and service providers
We may use hosting, database, security, communication and professional-service providers that process information only to support the website. We may disclose information when required by law, court order or a competent authority. A product enquiry will not be shared with a lender, distributor or other commercial partner unless the form or a subsequent communication clearly identifies that purpose and obtains the required consent. We do not sell personal information as a standalone data product.
7. Storage, transfers and retention
Website records may be stored using service providers in India or other jurisdictions, subject to applicable law and appropriate contractual and security measures. Callback enquiries, contact messages and feedback are normally retained for up to 24 months from the last meaningful interaction, then deleted or anonymised unless a longer period is required for consent records, security, dispute resolution or legal compliance.
8. Your choices and rights
You may ask for a summary of personal information associated with your request, correction of inaccurate information, erasure where retention is no longer necessary, withdrawal of consent, or grievance redressal. Send the request from the email address or quote the mobile number used in the form so we can reasonably verify it. We will acknowledge and respond within a reasonable period, subject to applicable law.
9. Cookies, security and third-party services
The site may use strictly necessary storage, hosting cookies and anti-bot technology to operate forms and protect the service. If advertising or non-essential analytics are introduced, this policy and any required consent controls will be updated. We apply reasonable safeguards, but no internet transmission or storage system can be guaranteed completely secure.
10. Children
The service is intended for adults making personal-finance decisions. We do not knowingly solicit callback leads from anyone under 18. A parent or lawful guardian who believes a minor submitted personal information may contact us to request deletion.
11. Changes to this policy
We may update this policy when the website, partners, technology or applicable law changes. The effective date above will be revised, and material changes will be communicated through the website or an appropriate direct notice where required.
This policy describes the website’s current practices and is not a substitute for advice from a qualified Indian legal professional about the final ownership structure, commercial partnerships or regulated activities.