Privacy Policy
Last updated: April 2026 · Effective immediately
1. Who We Are
EMI24 ("we", "our", "us") is a free financial tools platform operated at emi24.com, built for users in India. We provide calculators for EMI, salary, income tax, GST, SIP, fuel cost, unit conversion, and more. We are not a registered financial institution, bank, or investment advisor.
By using emi24.com you consent to this Privacy Policy. If you do not agree, please discontinue use of the site.
By using emi24.com you consent to this Privacy Policy. If you do not agree, please discontinue use of the site.
2. Data We Collect
Without an account: No personal data is collected by us directly. All calculations run entirely on your device. We do not store your inputs or results on any server.
With an account: We collect your email address (OTP login) or Google profile (name, email, profile picture) via Google OAuth. Calculation history is stored encrypted on our servers only if you explicitly enable Cloud Sync.
Automatically (log data): IP address, approximate location (country/city), browser type, device type, operating system, referring URL, and pages visited — collected by Google AdSense for ad serving and fraud prevention, and by Plausible Analytics for anonymous, aggregated usage statistics. We do not maintain server logs containing personally identifiable information.
With an account: We collect your email address (OTP login) or Google profile (name, email, profile picture) via Google OAuth. Calculation history is stored encrypted on our servers only if you explicitly enable Cloud Sync.
Automatically (log data): IP address, approximate location (country/city), browser type, device type, operating system, referring URL, and pages visited — collected by Google AdSense for ad serving and fraud prevention, and by Plausible Analytics for anonymous, aggregated usage statistics. We do not maintain server logs containing personally identifiable information.
3. Google AdSense & Third-Party Advertising
EMI24 uses Google AdSense, a third-party advertising service provided by Google LLC, to display advertisements on this site.
Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this 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 site and/or other sites on the Internet.
Google uses the DART cookie to serve ads to users based on their visit to emi24.com and other sites on the Internet. Users may opt out of personalised advertising by visiting Google's Ads Settings: google.com/settings/ads.
You may also opt out of a third-party vendor's use of cookies for personalised advertising by visiting aboutads.info (for the Digital Advertising Alliance) or optout.networkadvertising.org (for the Network Advertising Initiative).
For more information on how Google uses data from sites that use its services, see policies.google.com/technologies/partner-sites and policies.google.com/technologies/ads.
We never share your financial calculation inputs, results, or account data with advertisers. Ad targeting on EMI24 is contextual or interest-based via Google — never based on your financial calculator inputs.
Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this 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 site and/or other sites on the Internet.
Google uses the DART cookie to serve ads to users based on their visit to emi24.com and other sites on the Internet. Users may opt out of personalised advertising by visiting Google's Ads Settings: google.com/settings/ads.
You may also opt out of a third-party vendor's use of cookies for personalised advertising by visiting aboutads.info (for the Digital Advertising Alliance) or optout.networkadvertising.org (for the Network Advertising Initiative).
For more information on how Google uses data from sites that use its services, see policies.google.com/technologies/partner-sites and policies.google.com/technologies/ads.
We never share your financial calculation inputs, results, or account data with advertisers. Ad targeting on EMI24 is contextual or interest-based via Google — never based on your financial calculator inputs.
4. Cookies & Local Storage
• Essential: Authentication session (Supabase) — required for login
• Advertising: Google AdSense and Google's DART cookie for ad personalisation, frequency capping, and reporting
• Analytics: Plausible Analytics — privacy-friendly, no personal identifiers stored
• Preferences: Theme (dark/light) stored in localStorage — never sent to a server
You can disable non-essential cookies via your browser settings at any time. You can also manage personalised advertising preferences directly with Google at google.com/settings/ads. Disabling cookies will not affect calculator functionality but may result in less relevant ads.
• Advertising: Google AdSense and Google's DART cookie for ad personalisation, frequency capping, and reporting
• Analytics: Plausible Analytics — privacy-friendly, no personal identifiers stored
• Preferences: Theme (dark/light) stored in localStorage — never sent to a server
You can disable non-essential cookies via your browser settings at any time. You can also manage personalised advertising preferences directly with Google at google.com/settings/ads. Disabling cookies will not affect calculator functionality but may result in less relevant ads.
5. How We Use Your Data
• To provide and improve EMI24 features and calculators
• To authenticate your account and sync your data (only if you enable Cloud Sync)
• To serve relevant advertisements via Google AdSense
• To analyse anonymous usage patterns for product improvement
We do not sell your data. We do not use your financial calculation inputs for ad targeting. We do not profile users based on financial behaviour.
• To authenticate your account and sync your data (only if you enable Cloud Sync)
• To serve relevant advertisements via Google AdSense
• To analyse anonymous usage patterns for product improvement
We do not sell your data. We do not use your financial calculation inputs for ad targeting. We do not profile users based on financial behaviour.
6. Data Storage & Security
Account data is stored on Supabase (AWS, Singapore region). Synced calculations are encrypted client-side using AES-256-GCM before transmission — our servers receive and store only ciphertext. We are technically unable to read your financial data in plaintext.
You can delete all server-side data at any time from Settings → Delete My Data. Local device data (localStorage) is cleared when you clear your browser data.
You can delete all server-side data at any time from Settings → Delete My Data. Local device data (localStorage) is cleared when you clear your browser data.
7. Your Rights
Under applicable Indian law (IT Act 2000, DPDP Act 2023) and general data protection principles, you have the right to:
• Access or correct your personal data
• Export your data — Settings → Export My Data
• Delete all your data — Settings → Delete My Data
• Withdraw Cloud Sync consent at any time from Settings
• Opt out of personalised ads via Google's ad settings
To exercise any right or raise a privacy concern, use our contact form.
• Access or correct your personal data
• Export your data — Settings → Export My Data
• Delete all your data — Settings → Delete My Data
• Withdraw Cloud Sync consent at any time from Settings
• Opt out of personalised ads via Google's ad settings
To exercise any right or raise a privacy concern, use our contact form.
8. Third-Party Services & Vendors
EMI24 relies on the following third-party service providers. Each operates under its own privacy policy, which we recommend reviewing:
• Google AdSense — advertising and ad personalisation · policies.google.com/technologies/ads · policies.google.com/privacy
• Google OAuth — sign-in with Google · policies.google.com/privacy
• Supabase — database & authentication · supabase.com/privacy
• Plausible Analytics — anonymous analytics · plausible.io/privacy
• Vercel — hosting & CDN · vercel.com/legal/privacy-policy
We do not control how these third parties collect or use data on their own platforms. Their use of cookies and tracking technologies is governed by their respective privacy policies.
• Google AdSense — advertising and ad personalisation · policies.google.com/technologies/ads · policies.google.com/privacy
• Google OAuth — sign-in with Google · policies.google.com/privacy
• Supabase — database & authentication · supabase.com/privacy
• Plausible Analytics — anonymous analytics · plausible.io/privacy
• Vercel — hosting & CDN · vercel.com/legal/privacy-policy
We do not control how these third parties collect or use data on their own platforms. Their use of cookies and tracking technologies is governed by their respective privacy policies.
9. Children's Privacy
EMI24 is intended for users aged 18 and above. We do not knowingly collect personal data from anyone under 18. If you believe a minor has provided us with personal data, please contact us via the contact form and we will delete it promptly.
10. Changes to This Policy
We may update this Privacy Policy periodically. The date at the top of this page reflects the most recent revision. Registered users will be notified of material changes. Continued use of EMI24 after changes constitutes acceptance of the updated policy.
For privacy queries, use our contact form.
For privacy queries, use our contact form.