Digital Personal Data Protection (DPDP) Act 2023 Compliant

Privacy Policy & Data Protection

Last Updated: October 2026•Governing Entity: Paise Plan, Mumbai, India

Our Core Privacy Guarantees at a Glance

Zero Data Brokering: We never sell your phone number or financial inputs to loan agents or insurance brokers.

No Sensitive Identifiers: We never collect Aadhaar, PAN numbers, or banking passwords.

Local Storage First: Standalone calculators execute calculations in your local browser sandbox.

Full Right to Erasure: One-click permanent profile deletion compliant with Indian law.

1.Scope & Applicability

This Privacy Policy describes how Paise Plan ("we", "us", or "our") processes, collects, uses, and protects personal data when you visit our website at Planpaisa.ai or use our interconnected financial planning calculators, dashboards, and advisory tools.

We operate strictly under the provisions of the Digital Personal Data Protection Act, 2023 ("DPDP Act") and the Information Technology Act, 2000 (along with applicable Intermediary Guidelines and SPDI Rules) of the Republic of India.

2.Data Minimisation: What We Do NOT Collect

In strict adherence to the DPDP Act principle of data minimisation, we do not request or collect unnecessary sensitive personal data. Specifically:

NO Government Identifiers: We never ask for Aadhaar numbers, Permanent Account Numbers (PAN), Voter IDs, or Passport numbers.
NO Banking Credentials: We never request Net Banking passwords, debit/credit card CVVs, UPI PINs, or One-Time Passwords (OTPs).
NO Mandatory Mobile Numbers: You can access all free calculators anonymously without providing a mobile number.

3.Guest Calculator Sandboxing

When using standalone tools such as the Emergency Fund Calculator, Goal-Based SIP Planner, Income Allocation Budgeter, or Loan EMI Prepayment Simulator as a guest:

All income amounts, loan balances, interest rates, and goal horizons are stored strictly in your browser's private localStorage. They are not transmitted across the internet or stored on our servers. Clearing your browser cache or storage instantly removes all guest data.

4.Registered User Information & Encryption

If you voluntarily choose to create an account to save a 7-step holistic financial blueprint:

Account Credentials: Your email address and securely hashed authentication credentials.
Financial Parameters: Monthly take-home salary, monthly expense breakdown, active loan balances, and target retirement age.
Security Standards: All data in transit is encrypted using modern TLS 1.3 protocols. Data at rest is encrypted using industry-standard AES-256 cryptographic ciphers.

5.Absolute Prohibition on Selling Data

We firmly reject the business model of monetizing user data. We do not sell, license, rent, trade, or exchange your personal information with third-party loan brokers, credit card sales telemarketers, insurance web aggregators, or advertising networks.

6.Your Legal Rights under the DPDP Act 2023

As a Data Principal under Indian law, you have enforceable statutory rights regarding your personal information:

Right to Access & Summary

Request a digital copy of all financial data and profile records held by us.

Right to Correction & Update

Correct outdated or inaccurate figures in your financial plans at any time.

Right to Complete Erasure

Request permanent and irreversible deletion of your profile and data records.

Right to Nominate

Designate an individual to exercise data rights in the event of death or incapacity.

7.Grievance Redressal Officer

In accordance with Section 10 of the DPDP Act 2023 and the Information Technology Rules, 2021, you may submit privacy concerns, data subject requests, or complaints to our designated Grievance Officer:

Designation: Data Protection & Grievance Redressal Officer

Organization: Paise Plan

Email: [email protected] (cc: [email protected])

Registered Address: Paise Plan, Mumbai, India

Statutory SLA: Acknowledgment within 48 hours; resolution within 30 days.

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