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Privacy Policy

Last updated: July 2, 2026 · Effective immediately.

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At LIC Calculator ("we", "us", "our"), accessible from liccalculator.app, your privacy is one of our top priorities. This Privacy Policy document outlines the types of information that is collected and recorded by LIC Calculator and how we use it.

1. Information We Do NOT Collect

Our calculators are designed with privacy by design. All calculations happen entirely in your web browser. We do not collect, log, transmit, or store:

  • Your name, age, date of birth, or gender
  • Your income, expenses, or financial details
  • Your sum assured, policy term, or premium amount
  • Your phone number, email, address, or Aadhaar/PAN
  • Your IP address, browser fingerprint, or device identifiers (beyond what is needed for basic serving of the website)

You can verify this by opening your browser's developer tools and running our calculators — you will see that no network request containing your inputs is made.

2. Information That Is Collected Automatically

Like most websites, our hosting provider and any third-party services we use may automatically log certain technical information when you visit our site. This is standard for serving web pages and is used only in aggregate, anonymous form. It may include:

  • Browser type and version
  • Operating system
  • Pages visited and time spent on each page (in aggregate)
  • Referring website (e.g., Google, Bing)
  • Approximate country/city (from IP, not precise location)

3. Cookies

liccalculator.app uses only essential, first-party cookies that are required for the site to function (for example, to remember your dark/light mode preference if implemented). We do not use tracking cookies for advertising or behavioural profiling.

Third-party services we may use (such as Google Analytics, Google AdSense, or affiliate networks) may set their own cookies. These are governed by the privacy policies of those third parties. You can disable cookies in your browser settings at any time without affecting your ability to use our calculators.

4. Google AdSense & Advertising

If we display advertisements on this website (for example, through Google AdSense), Google may use cookies to serve ads based on your prior visits to our site or other sites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.

  • You may opt out of personalised advertising by visiting Google Ads Settings.
  • You may also opt out of certain third-party vendors' use of cookies for personalised advertising by visiting www.aboutads.info.

5. Children's Information

Another part of our priority is adding protection for children using the internet. We do not knowingly collect any Personal Identifiable Information from children under the age of 13. If you believe that your child has provided such information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

6. Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

7. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. The "Last updated" date at the top of this page will always reflect when the policy was last revised. We encourage you to review this page periodically.

8. Third-Party Privacy Practices

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regard to the information that they share and/or that is collected on liccalculator.app. This policy is not applicable to any other website, application, or service, including those that we may link to. We are not responsible for the content or privacy practices of any third-party site.

9. Your Rights Under Indian Law (IT Act, 2000 & SPDI Rules, 2011)

If you are an Indian resident, you have the right to:

  • Request confirmation of whether we hold any personal information about you.
  • Request access to, correction of, or deletion of any personal information we may hold.
  • Withdraw consent for future processing.

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

10. Contact Us

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