Privacy Policy

Last updated: December 1, 2025

1. Introduction

Welcome to Analyze My Debt ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan analysis and management service (the "Service") accessible at analyzemydebt.com.

This Privacy Policy is compliant with the Digital Personal Data Protection Act, 2023 (DPDP Act) and the Information Technology Act, 2000 of India.

2. Data Fiduciary Information

Under the DPDP Act 2023, we act as a "Data Fiduciary" for your personal data. Our contact details are:

  • Email: contact@analyzemydebt.com
  • Website: analyzemydebt.com

3. Information We Collect

We collect the following categories of personal data:

3.1 Account Information (via Google Sign-In)

  • Full name
  • Email address
  • Profile picture URL
  • Google account identifier

3.2 Loan Data (Provided by You)

  • Loan names and descriptions
  • Principal amounts
  • Interest rates
  • Loan terms and EMI schedules
  • Prepayment scenarios and calculations

3.3 User Settings

  • Monthly income (optional)
  • Currency preferences

4. Purpose of Processing

We process your personal data for the following lawful purposes:

  • To provide and maintain the loan analysis Service
  • To authenticate your identity via Google Sign-In
  • To store and retrieve your loan data for analysis
  • To generate EMI calculations and prepayment scenarios
  • To enable data export functionality
  • To communicate important service updates

5. Data Retention

We retain your personal data for as long as your account is active or as needed to provide the Service. You may request deletion of your account and all associated data at any time through your Profile page.

Upon account deletion, all your personal data will be permanently removed from our systems within 30 days, except where retention is required by law.

6. Your Rights under DPDP Act 2023

As a Data Principal under the DPDP Act 2023, you have the following rights:

  • Right to Access: Request information about your personal data being processed
  • Right to Correction: Request correction of inaccurate or incomplete data
  • Right to Erasure: Request deletion of your personal data
  • Right to Data Portability: Download your data in a portable format (PDF)
  • Right to Withdraw Consent: Withdraw consent by deleting your account
  • Right to Grievance Redressal: Lodge complaints regarding data processing

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal data, including:

  • Encryption of data in transit using SSL/TLS
  • Secure cloud infrastructure (Supabase) with encryption at rest
  • Row-level security policies ensuring you can only access your own data
  • OAuth 2.0 authentication via Google

8. Third-Party Services

We use the following third-party services:

  • Google Sign-In: For authentication (governed by Google's Privacy Policy)
  • Supabase: For secure data storage and authentication services
  • Vercel: For hosting and content delivery

9. Cookies & Local Storage

We use minimal browser storage technologies that are strictly necessary for the Service to function:

9.1 What We Store

  • Authentication Session: Your login session tokens are stored in your browser's local storage to keep you signed in. This is managed by Supabase Auth.
  • Consent Status: A temporary flag when you accept our terms during sign-up (automatically removed after sign-in completes).

9.2 What We Do NOT Use

  • ❌ Third-party tracking cookies
  • ❌ Analytics cookies (Google Analytics, etc.)
  • ❌ Advertising or marketing cookies
  • ❌ Social media tracking pixels

Since we only use strictly necessary storage for authentication and core functionality, no cookie consent banner is required. You can clear your browser's local storage at any time, but this will sign you out of the Service.

10. Financial Disclaimer

⚠️ IMPORTANT: THIS IS NOT FINANCIAL ADVICE

The Service is provided for informational and educational purposes only. All loan calculations, EMI projections, prepayment scenarios, and any other financial information displayed on this platform are approximations and should NOT be construed as financial, investment, tax, or legal advice.

Please consult with qualified financial advisors, chartered accountants, or banking professionals before making any financial decisions.

For complete details on limitation of liability and legal terms, please review our Terms of Service .

11. Grievance Redressal

If you have any concerns or grievances regarding the processing of your personal data, please contact our Grievance Officer:

  • Email: contact@analyzemydebt.com
  • Response Time: Within 30 days of receiving your complaint

If you are not satisfied with our response, you may approach the Data Protection Board of India as established under the DPDP Act 2023.

12. Changes to This Privacy Policy

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

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at contact@analyzemydebt.com

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