Privacy Policy

Introduction

Fixed Income Tracker ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application.

Information We Collect

Personal Information

We may collect the following personal information:

• Email address (if you choose to provide it)
• Name (optional)
• Payment information (processed securely through Razorpay)

Investment Data

To provide our services, we collect and store:

• Investment details (bonds, FDs, SCSS)
• Investment amounts and maturity dates
• Interest rates and payout schedules
• Bank names and account details (non-sensitive)

Usage Information

We automatically collect certain information when you use our service:

• Browser type and version
• Device information
• IP address
• Pages visited and features used
• Time and date of visits

How We Use Your Information

We use your information to:

• Provide and maintain our investment tracking service
• Calculate and display payout schedules
• Generate income insights and analytics
• Process subscription payments
• Send important service updates and notifications
• Improve our service and user experience
• Provide customer support
• Prevent fraud and abuse

Data Storage and Security

We take data security seriously:

• Your data is stored securely using industry-standard encryption
• We use HTTPS/SSL encryption for all data transmission
• Payment information is processed securely by Razorpay (PCI DSS compliant)
• We never store sensitive banking credentials or passwords
• Regular security audits and updates are performed

Note: Currently, data is stored in your browser's local storage. When we migrate to cloud storage, we will update this policy accordingly.

Data Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties.

We may share your information only in the following circumstances:

• Payment Processing: With Razorpay for payment processing
• Service Providers: With trusted service providers who assist in operating our service
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In case of merger, acquisition, or sale of assets

Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct your information
• Deletion: Request deletion of your account and data
• Export: Export your investment data in CSV format
• Opt-out: Unsubscribe from marketing communications

Cookies and Tracking

We use cookies and similar tracking technologies to improve user experience and analyze usage patterns. You can control cookies through your browser settings. Disabling cookies may affect some features of our service.

Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last updated" date. Continued use of our service after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Compliance

This privacy policy is designed to comply with applicable Indian data protection laws and regulations, including the Information Technology Act, 2000 and its rules.