1. Overview

This Privacy Policy describes how SipCalculatorPro.net ("we", "us", or "our") collects, uses, and shares information when you visit our website.

By using SipCalculatorPro.net, you consent to the data practices described in this policy. If you do not agree with this policy, please discontinue use of the website.

2. Information We Collect

We may collect the following types of information when you visit SipCalculatorPro.net:

Automatically Collected Information:

• IP address (anonymized)
• Browser type and version
• Operating system
• Pages visited and time spent on each page
• Referring website or source
• Device type (desktop, mobile, tablet)
• Geographic location (country/region level only)

Information You Provide:

• Name, email address, and message when you use our Contact form

We do not collect sensitive personal information such as financial account details, national identification numbers, or payment information.

3. Calculator Data

We have no access to the financial values you enter into the calculator. When you close or refresh the page, all calculator data is cleared automatically. We do not track, store, or analyse any calculator inputs.

4. Cookies & Tracking

SipCalculatorPro.net uses cookies and similar tracking technologies to enhance your experience and serve relevant advertisements. Cookies are small text files stored on your device by your browser.

We use the following types of cookies:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Used by Google Analytics to understand how visitors use our site
• Advertising Cookies: Used by Google AdSense to serve relevant ads based on your interests

You can control and manage cookies through your browser settings. Please note that disabling cookies may affect the functionality of the website and the relevance of advertisements shown.

To opt out of Google's use of cookies for advertising, visit Google Ads Settings or aboutads.info.

5. Google AdSense & Advertising

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies to serve ads based on your prior visits to our website and other websites across the internet.

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our site and/or other sites on the internet. This is known as interest-based advertising or personalised advertising.

You may opt out of personalised advertising by:

• Visiting Google Ads Settings
• Visiting Network Advertising Initiative opt-out page
• Installing the Google Analytics Opt-out Browser Add-on

6. Google Analytics

We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information such as how often users visit the site, what pages they visit, and what other sites they used prior to visiting our site.

Google Analytics data is used solely to improve our website and user experience. We do not combine Google Analytics data with personally identifiable information.

Google Analytics collects only the IP address assigned to you on the date you visit the site, rather than your name or other identifying information. We have enabled IP anonymization to further protect your privacy.

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

7. Third-Party Links

Our website contains links to third-party websites including investment platforms such as INDmoney, Groww, eToro, and others. These links may be affiliate links through which we may earn a commission.

We are not responsible for the privacy practices or content of these external websites. We encourage you to review the privacy policy of every website you visit. Clicking on third-party links is done at your own risk.

The inclusion of any link does not imply our endorsement of the linked website or its operators.

8. Children's Privacy

SipCalculatorPro.net is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13 years of age.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately and we will take steps to delete such information from our records.

9. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your personal data
• Right to Object: Object to the processing of your personal data
• Right to Data Portability: Request transfer of your data in a machine-readable format
• Right to Withdraw Consent: Withdraw consent for data processing at any time

To exercise any of these rights, please contact us through our Contact page. We will respond to your request within 30 days.

If you are located in the European Union, you also have rights under the General Data Protection Regulation (GDPR). If you are located in California, you have rights under the California Consumer Privacy Act (CCPA).

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will update the "Last Updated" date at the top of this page whenever changes are made.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the website after any changes constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

• Website: www.sipcalculatorpro.net
• Contact Page: www.sipcalculatorpro.net/contact

We will make every effort to respond to your privacy-related queries within 48 hours on business days.