Effective date: from the time this page is published. · Last updated: current as of the date shown in the page footer.
This Privacy Policy describes how LIC Calculator .app ("we", "our", "us" — website: https://liccalculator.app) handles information when you use our website and calculators.
1. The Short Version
2. Information We Do NOT Collect
- No account creation, login, OTP or phone-number verification
- No calculator inputs (age, sum assured, premiums, loan amounts, etc.)
- No policy numbers or personally identifiable financial data
- No selling, renting or sharing of personal data with insurers or agents — ever
3. Information Collected Automatically
Like nearly every website, our hosting provider (Netlify) and any analytics service may automatically log standard technical data:
- IP address, browser type, device type, operating system
- Pages visited, referring URL, time and duration of visit
This data is aggregate and used only to understand traffic patterns and improve the website.
4. Contact Form
When you voluntarily submit our contact form, we receive the name, email and message you provide (processed by Netlify Forms). We use this solely to reply to you. We do not add you to mailing lists or share your details.
5. Cookies & Third-Party Services
- Animations: decorative animations load from LottieFiles/unpkg CDNs, which may log standard requests.
- Analytics: if enabled, privacy-respecting or standard analytics (e.g. Google Analytics) may set cookies. You can block cookies in your browser without affecting calculator functionality.
- Advertising: if advertisements are displayed in future, ad networks (e.g. Google AdSense) may use cookies per their own policies; this policy will be updated accordingly.
6. WhatsApp Sharing
The "Share on WhatsApp" button opens WhatsApp with a pre-filled message on your device. We never see who you share with or what you send — the share happens entirely between your device and WhatsApp.
7. Children's Privacy
Our website is intended for users aged 18+. We do not knowingly collect information from children under 18.
8. Data Security
The site is served over HTTPS with modern security headers. Since we don't store your calculation data, there is nothing sensitive of yours for us to lose.
9. Your Rights
You may request access to or deletion of any personal data we hold (which, in practice, is limited to contact-form emails). Write to us via the contact page.
10. Changes to This Policy
We may update this policy occasionally. The "Last updated" date above reflects the latest revision. Continued use after changes constitutes acceptance.
11. Contact
Questions about this policy? Reach us through the Contact Us page.