Privacy Policy

1. Who We Are

SIPtruth.com is a free, independent financial calculator website built for Indian investors and borrowers. We provide SIP (Systematic Investment Plan) calculators, EMI (Equated Monthly Instalment) calculators, and related financial planning tools.

We are not a bank, financial institution, or SEBI-registered investment advisor. We do not accept deposits, provide loans, or manage investments.

Contact: For any privacy-related questions, reach us at hello@siptruth.com

2. Information We Do NOT Collect

We want to be crystal clear about this:

• We do not collect your name, email address, phone number, or any contact information
• We do not store any financial data you enter into our calculators
• We do not require account creation or login
• We do not use cookies to track you across other websites
• We do not sell, rent, or share any user data with third parties for marketing
• We do not build advertising profiles based on your usage

All calculator computations run entirely in your browser (client-side JavaScript). Your financial inputs — SIP amounts, loan amounts, interest rates — never leave your device and are never transmitted to our servers.

3. Information We May Collect (Automatically)

3.1 Google Analytics

We use Google Analytics to understand how visitors use our site. This collects anonymous, aggregated data such as:

• Pages visited and time spent on each page
• General geographic location (country/city level — not precise location)
• Device type, browser, and operating system
• How you arrived at our site (search engine, direct, referral)

This data is anonymised and cannot be used to identify you personally. Google Analytics data is processed by Google under their own privacy policy. You can opt out using the Google Analytics opt-out browser add-on.

3.2 Google AdSense (Advertising)

We display advertisements served by Google AdSense. Google may use cookies to serve ads based on your prior visits to our site or other websites. You can opt out of personalised advertising by visiting Google's Ads Settings.

3.3 Server Logs

Our hosting provider (GitHub Pages) may automatically collect standard server log information including IP addresses, browser types, and pages requested. This data is used solely for security and technical purposes and is not used for marketing.

4. Affiliate Links

SIPtruth.com participates in affiliate programmes with financial platforms including Groww, Zerodha, Kuvera, and Paytm Money. When you click an affiliate link and open an account, we may receive a commission.

• Affiliate links are clearly marked on our site
• Clicking affiliate links does not cost you anything extra
• Our calculator results are never influenced by affiliate relationships
• We only link to platforms we believe are legitimate and trustworthy

When you click through to a third-party platform, that platform's own privacy policy applies to any information you provide to them.

5. WhatsApp Sharing

Our "Share on WhatsApp" button opens WhatsApp with a pre-formatted message containing your calculation results. This action is initiated entirely by you. We do not have access to your WhatsApp contacts, messages, or account. The sharing is handled directly by WhatsApp on your device.

6. Children's Privacy

SIPtruth.com is not directed at children under the age of 13. We do not knowingly collect any information from children. If you believe a child has provided information through our site, please contact us and we will delete it promptly.

7. Your Rights

Since we do not collect personal information, there is typically no personal data to access, correct, or delete. However, if you have any privacy concerns or questions, you can:

• Email us at hello@siptruth.com
• Opt out of Google Analytics using the browser add-on linked above
• Opt out of personalised Google ads via Google's Ads Settings
• Use your browser's private/incognito mode for completely anonymous access

8. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Continued use of SIPtruth.com after changes constitutes acceptance of the updated policy.

9. Disclaimer

All calculations on SIPtruth.com are for illustrative and educational purposes only. They do not constitute financial, investment, tax, or legal advice. Mutual fund investments are subject to market risks. LTCG tax estimates are approximate — please consult a qualified Chartered Accountant for precise tax liability calculations. Past returns do not guarantee future performance.

SIPtruth.com is not affiliated with, endorsed by, or connected to any government body, SEBI, RBI, AMFI, or any financial institution.