Privacy Policy

At FINAIW, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (finaiw.com) or use our services.

FINAIW is operated from India and complies with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, and other applicable Indian data protection laws. However, our services are designed for a global audience, and we are committed to protecting your privacy wherever you are.

1. Information We Collect

We may collect the following types of information:

• Personal Information – Name, email address, and any other information you provide voluntarily (e.g., when you contact us, submit feedback, or subscribe to updates).
• Usage Data – Information about how you interact with our website, including pages visited, time spent, clicks, and referring URLs.
• Device & Browser Data – IP address, browser type, operating system, screen resolution, and other technical details.
• Cookies & Tracking – We use cookies for advertising only, and only if you accept them — see our Disclaimer page and the cookie banner for the full breakdown of what is and isn't a cookie on this site.
• Locally Stored Data – Your financial profile, goals, learning streak, calculator history, and display preferences are saved only in your browser's local storage. This is not a cookie, and it is never transmitted to our servers or any third party.

2. How We Use Your Information

• To provide and maintain our services and website.
• To improve and personalise your experience.
• To respond to your inquiries and support requests.
• To send you administrative information, such as updates to our policies.
• To analyse usage trends and optimise our content.
• To comply with legal obligations or enforce our terms.

3. Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA), we process your personal information based on one or more of the following legal grounds:

• Your consent (which you may withdraw at any time).
• Performance of a contract with you (e.g., providing services).
• Compliance with a legal obligation.
• Our legitimate interests (e.g., improving our website and services).

4. Sharing Your Information

We do not sell, rent, or trade your personal information. We may share your data with:

• Service Providers – Trusted third‑party vendors who assist with website hosting, email delivery, and — only if you accept our cookie banner — analytics and advertising (all are bound by strict confidentiality agreements).
• Legal Authorities – If required by law, we may disclose information to comply with a legal obligation or protect our rights.

5. Cross‑Border Data Transfers

FINAIW is based in India, and your information may be stored and processed on servers located in India or other countries where our service providers operate. By using our website, you consent to the transfer of your data to these jurisdictions, which may have different data protection laws than your country of residence. We take appropriate safeguards to ensure your data is protected in accordance with this policy.

6. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, unless a longer retention period is required or permitted by law. When we no longer need your data, we securely delete or anonymise it. Data stored locally in your browser (your financial profile, goals, and preferences) can be cleared at any time from Settings.

7. Cookies & Tracking Technologies

FINAIW itself does not set tracking cookies. Two third-party cookies are used on this site, each only if you accept them in the cookie banner: Google Analytics (to see which calculators and pages people actually use, so we know what to improve) and Google AdSense (to show ads and measure their performance). If you decline either or both, those cookies are not set and the site works exactly the same.

You can change your choice at any time from "Cookie Preferences" in the footer, or control cookies through your browser settings.

8. Third‑Party Services

Our website may use third‑party tools (e.g., Google AdSense) and may contain links to external sites. These services have their own privacy policies, and we are not responsible for their practices. We encourage you to review their policies before providing any personal data.

9. Your Rights (Global)

Depending on your location, you may have certain rights regarding your personal information:

• Access, update, or delete your data.
• Withdraw consent at any time.
• Object to processing or request data portability.
• Lodge a complaint with a data protection authority.

To exercise any of these rights, please contact us using the details below.

10. Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected such data, we will take steps to delete it.

11. Data Security

We implement reasonable technical and organisational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no transmission over the internet is 100% secure, so we cannot guarantee absolute security.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new version on this page with an updated date. Your continued use of the website after such changes constitutes your acceptance of the revised policy.