Privacy Policy

Last updated: April 2026

What We Collect

We believe in full transparency. Here is exactly what we store and why:

Loan Analysis Data (Stored on Our Server)

When you click "Analyze My Loan," we store the following in our database to improve our service and understand how people use it:

• Bank name you selected
• Interest rate, loan amount, outstanding principal, EMI, remaining tenure
• Benchmark type (EBLR/MCLR)
• Analysis result — verdict (overpaying/fair/competitive) and potential savings

This data is not linked to your identity — we do not collect your name, email, PAN, Aadhaar, or bank account number during analysis.

Usage Analytics (Stored on Our Server)

We run our own lightweight analytics (no Google Analytics, no Facebook Pixel, no third-party trackers). We record:

• Page views and time on site
• Anonymous visitor ID — a random identifier stored in your browser's localStorage, not linked to your real identity
• Referrer URL — how you found us
• Screen width and IP address
• Actions taken — which banks you compared, letters generated, buttons clicked

PDF Statements

If you upload a loan statement PDF, it is sent to our server for text extraction, processed in memory, and immediately discarded. The PDF file is never written to disk or stored. No copy is retained.

Returning User Data (Browser Only)

To show "Welcome back," we save non-personal loan parameters (bank name, rate, tenure) in your browser's localStorage. This data stays on your device. Clear it anytime via browser settings or by clicking "Start Fresh."

Phone Number (Lead Callback)

If you voluntarily submit your phone number via the "Need help switching?" form, we store it in our database to connect you with balance transfer options. We will never sell your phone number. You can request deletion by emailing us.

Referral Clicks

When you click "Apply Now" for a bank, we log the bank name, your IP, and timestamp to understand which banks our users find useful.

What We Don't Collect

• No cookies — we use localStorage only, no tracking cookies
• No third-party analytics (no Google Analytics, no Facebook Pixel)
• No advertising networks or ad trackers
• No login or account creation
• No names, email addresses, PAN, or Aadhaar
• No bank login credentials — ever
• No loan account numbers during analysis

How We Use Your Data

• Aggregate analysis — understanding which banks have the most overpaying customers, average rate gaps, common loan sizes
• Service improvement — knowing which features are used helps us build better tools
• Lead follow-up — only if you voluntarily submit your phone number

We do not use your data for advertising, profiling, or sale to third parties.

Data Security

Our server uses security headers (helmet.js), rate limiting, input sanitization, and HTTPS in production. The admin dashboard is protected by an access key. PDF files are processed in-memory only.

Your Rights

Under the Digital Personal Data Protection Act (DPDP), 2023, you have the right to:

• Request a copy of any data we hold about you
• Request deletion of your data (email us)
• Withdraw consent for callback requests

Contact

For privacy-related queries: [email protected]