Privacy Policy

Welcome to DevsPoint Home Loan Engine ("DevsPoint," "we," "our," or "us"), hosted at https://www.devspoint.in (the "Site"). We are committed to protecting your personal privacy and providing complete transparency regarding how our tools operate and how standard website cookies are utilized.

Please read this Privacy Policy carefully to understand our practices regarding your data. If you have any questions, please reach out via our Contact Page or email us at [email protected].

1. Financial Calculator Data: 100% Client-Side Privacy

Traditional mortgage broker websites and lending portals frequently collect your phone number, salary, loan balance, and property city to generate marketing leads. DevsPoint operates under an entirely different architecture:

• Browser-Only Computation: Every calculation (including EMI amortization, balance transfer break-even period, and interest savings) runs strictly inside your local browser memory using JavaScript.
• Zero Financial Data Transmitted: Your outstanding principal, interest rates, tenure, and bank names never leave your device. They are not transmitted across the internet, logged in access logs, or saved to any database.
• Immediate In-Memory Purge: The moment you refresh or close your browser tab, all ephemeral calculator parameters are immediately cleared by your browser.

2. Information We Collect Automatically (Website Analytics & Infrastructure)

Like almost all modern educational websites, our web hosting servers and analytics tools automatically receive standard technical diagnostic data when you browse our pages. This information does not contain your name or financial numbers and includes:

• Browser type, operating system, and screen resolution
• Referring URLs and pages visited on our Site
• Date, time, and duration of visits
• Approximate geographic region (country and state/city level derived from anonymized IP address)
• Device category (mobile, tablet, desktop)

3. Voluntary Communications

The only personally identifiable information we receive is data you choose to provide directly, such as:

• Your name, email address, and inquiry message submitted through our Contact Form
• Communications or feedback sent directly to our editorial team via email

We use this information exclusively to answer your questions, resolve technical reports, or provide editorial clarification. We never sell, rent, or trade your contact information.

4. Cookies, Google AdSense & Tracking Technologies

Cookies are small text files placed on your device to remember preferences, analyze website traffic, and support advertising partners. We use the following categories of cookies:

4.1 Essential & Functional Cookies

These cookies are strictly necessary for core website features, such as remembering your Cookie Consent preferences and calculator display modes. They do not track your browsing across other sites and cannot be switched off in our system.

4.2 Analytics Cookies (Google Analytics)

We use Google Analytics to evaluate aggregated website traffic patterns, identify which home loan articles are most helpful, and fix technical site performance issues. Google Analytics uses cookies to collect aggregated, non-identifying browsing metrics with IP anonymization enabled.

You can opt out of Google Analytics measurement at any time by installing the official Google Analytics Opt-out Browser Add-on.

4.3 Advertising Cookies (Google AdSense)

To keep our home loan calculators, financial tools, and research guides freely available to everyone without a paywall, we display advertisements served by Google AdSense and its certified advertising partners.

• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to our website or other websites on the Internet.
• Google's use of advertising cookies enables it and its partners to serve ads to 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 or aboutads.info.

4.4 How to Manage Your Cookie Preferences

You have full control over your cookie choices:

• On Our Site: You can click the "Cookie Settings" link located in our website footer at any time to review or update your consent preferences (Accept All, Reject Non-Essential, or Customize).
• Browser Controls: Most web browsers allow you to block, restrict, or delete cookies through their settings menu. For guidance, visit www.allaboutcookies.org.

5. Third-Party Service Providers

We work with trusted service providers to deliver our web infrastructure:

• Hosting Infrastructure: Cloud hosting providers who process encrypted web traffic under strict confidentiality obligations.
• Google AdSense & Analytics: Ad serving and aggregated traffic analysis subject to Google's Privacy & Terms.

6. Your Privacy Rights

Depending on your country or state of residence, you are entitled to specific statutory rights regarding your personal data:

• India (Digital Personal Data Protection Act - DPDPA 2023): You have the right to obtain a summary of personal data processed, request correction or erasure of your voluntary communications, and nominate a representative to exercise rights on your behalf.
• European Union & United Kingdom (GDPR / UK GDPR): You have the right to access, rectify, erase, restrict processing of, and port your personal data, as well as withdraw cookie consent at any time.
• California (CCPA / CPRA): You have the right to know what personal data is collected, request deletion, and opt out of the sale or sharing of personal information. We do not sell personal information.

To exercise any of these rights, please contact our Data Grievance Officer at [email protected].

7. Data Retention & Security

Calculator inputs are never retained because they are never transmitted to our servers. Contact form submissions and support correspondence are retained for up to 24 months to address ongoing inquiries. We implement industry-standard SSL/TLS encryption across all site traffic to safeguard communications.

8. Changes to This Privacy Policy

We may periodically revise this Privacy Policy to reflect regulatory updates or changes to our site features. Any updates will be published directly on this page with an updated "Last updated" date.

9. Contact & Grievance Redressal

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

• Email: [email protected]
• Editorial Desk: [email protected]
• Contact Form: https://www.devspoint.in/contact
• Platform: DevsPoint Home Loan Engine (devspoint.in)