Privacy Policy

1. Introduction & Overview

Welcome to Bima Calculator (accessible at https://bimacalculator.com). At BimaCalculator, we prioritize the privacy and security of our visitors. This Privacy Policy document describes in detail the types of personal data and non-personal data collected and recorded by BimaCalculator.com, how that information is utilized, and your statutory rights regarding your personal information.

This Privacy Policy applies to all online visitors to our website with regards to the information that they share and/or calculate on BimaCalculator.com. This policy is not applicable to any information collected offline or via channels other than this website.

2. 100% Client-Side Calculation Privacy Guarantee

BimaCalculator.com does not capture, transmit, record, or store your salary inputs, policy numbers, bank note counts, monthly income, deductions, or date of birth on any remote web server or backend database. Once you close or refresh your browser tab, your computational inputs are permanently cleared from device memory.

3. Information We Collect

We collect personal information only when voluntarily provided by you, or automatically collected via standard web telemetry:

• Voluntarily Provided Information: If you contact us directly through our Contact Form or support email (rjrapture@gmail.com), we may receive your name, email address, phone number, the contents of the message, and any attachments you choose to send.
• Optional Advisory Requests: If you explicitly click to request an insurance consultation via WhatsApp or telephone, the contact information you provide is transmitted directly to licensed advisory professionals to fulfill your specific quotation request.
• Automatically Collected Technical Information: Non-personally identifiable browser and network metadata recorded during your session.

4. Log Files & Web Analytics

BimaCalculator.com follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this as part of hosting services' analytics. The information collected by log files includes:

• Internet Protocol (IP) addresses (anonymized/truncated where required)
• Browser type, engine, and version
• Internet Service Provider (ISP)
• Date and time stamp of access
• Referring and exit pages
• Number of clicks and navigational paths across the site

These metrics are not linked to any information that is personally identifiable. The purpose of this information is for analyzing trends, administering the site, tracking users' movement around the website, and gathering broad demographic information for infrastructure scaling and cybersecurity audits.

5. Cookies & Web Beacons

Like any other website, BimaCalculator.com uses "cookies". These cookies are used to store information including visitors' preferences and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

You can choose to disable cookies through your individual browser options. Detailed information about cookie management with specific web browsers can be found at the browsers' respective official websites:

• Manage Cookies in Google Chrome
• Manage Cookies in Mozilla Firefox
• Manage Cookies in Apple Safari
• Manage Cookies in Microsoft Edge

6. Google AdSense & DoubleClick DART Cookies

Please review how Google handles advertising data and your opt-out choices:

• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to your website or other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites on the Internet.
• Users may opt out of personalized advertising by visiting Google Ads Settings.
• Alternatively, you can opt out of a third-party vendor's use of cookies for personalized advertising by visiting www.aboutads.info or the Network Advertising Initiative Opt-Out Page.
• To learn more about how Google processes information when you access partner websites, please consult How Google uses data when you use our partners' sites or apps and Google's Advertising Privacy & Terms.

7. Third-Party Advertising Partners

Some of the advertisers and ad networks on our site may use cookies, JavaScript, or Web Beacons in their respective advertisements and links that appear on BimaCalculator.com. These technologies are sent directly to your browser and automatically receive your IP address when this occurs.

These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Please Note: BimaCalculator.com has no access to or control over these cookies that are used by third-party advertisers. We recommend consulting the respective Privacy Policies of these third-party ad servers for more detailed information on their practices and instructions on how to opt-out of certain practices.

8. GDPR Data Protection Rights (For European & UK Visitors)

Under the General Data Protection Regulation (GDPR) and UK Data Protection Act, every user residing in the European Economic Area (EEA) and United Kingdom is entitled to the following fundamental data rights:

• The Right to Access: You have the right to request copies of your personal data held by us.
• The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete incomplete data.
• The Right to Erasure (Right to be Forgotten): You have the right to request that we erase your personal data under certain statutory conditions.
• The Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data under certain conditions.
• The Right to Object to Processing: You have the right to object to our processing of your personal data.
• The Right to Data Portability: You have the right to request that we transfer data that we have collected to another organization, or directly to you, under certain conditions.

If you submit a formal data request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at rjrapture@gmail.com.

9. California Consumer Privacy Act (CCPA / CPRA) Rights

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California consumers have specific rights regarding their personal information:

• Right to Know: Request that a business disclose the categories and specific pieces of personal data that it has collected about consumers.
• Right to Delete: Request that a business delete any personal data about the consumer that a business collected.
• Right to Opt-Out of Sale / Sharing: Request that a business that sells or shares a consumer's personal data, not sell or share the consumer's personal data. (BimaCalculator.com does not sell personal data to data brokers.)
• Right to Non-Discrimination: You will not receive discriminatory treatment from us for exercising any of your privacy rights.

To exercise any CCPA/CPRA rights, please send an email with the subject line "CCPA Consumer Rights Request" to rjrapture@gmail.com.

10. India Digital Personal Data Protection (DPDP) Act Compliance

In accordance with the Digital Personal Data Protection (DPDP) Act, 2023 of India, BimaCalculator.com processes digital personal data in a lawful, transparent, and secure manner. Indian citizens are guaranteed:

• The right to obtain a summary of digital personal data processed by the data fiduciary.
• The right to correction, completion, updating, and erasure of personal data.
• The right to readily accessible grievance redressal mechanisms regarding personal data obligations.
• The right to nominate an individual to exercise rights in the event of death or incapacity.

11. Children's Information & COPPA Compliance

Another priority of our service is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

BimaCalculator.com does not knowingly collect any Personal Identifiable Information from children under the age of 13. If you think that your child provided this kind of 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.

12. Data Security & SSL Encryption

We employ industry-standard administrative, physical, and technical safeguards to protect all web traffic. All communications between your browser and BimaCalculator.com are encrypted using 256-bit Secure Sockets Layer (SSL / TLS 1.3) technology (HTTPS).

While we strive to use commercially acceptable means to protect non-personal technical telemetry, remember that no method of transmission over the internet, or method of electronic storage, is 100% secure and infallible.

13. Third-Party External Links

Our calculation results and documentation may contain outbound links to other government portals, statutory authorities, and institutional resources (such as LIC of India, IRDAI, Income Tax Department of India, Employees' Provident Fund Organisation (EPFO), or Reserve Bank of India).

If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

14. Changes to This Privacy Policy

We may update our Privacy Policy from time to time to reflect modifications in statutory regulations, Google Publisher guidelines, or technological advancements. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" timestamp at the top of this document.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective immediately upon posting on this URL.

15. Contact Us & Grievance Redressal

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data rights, please contact our Privacy Compliance and Grievance Officer: