MonuMoney.inPrivacy Policy
Last updated: March 2026 • Effective: January 2026
TL;DR — Plain English Summary
I hate spam as much as you do. Here is what you actually need to know — before the legal stuff starts:
- Your calculator numbers stay on YOUR screen. When you calculate your EMI, SIP, taxes or debt — those numbers never leave your device. I don't see them. I don't store them. They exist only in your browser.
- I don't sell your email or data. Ever. If you subscribe to my newsletter, your email goes to my email service provider only — and you can unsubscribe anytime with one click.
- I make money through AdSense ads and honest affiliate links (like Groww, Zerodha). I always disclose these. Your data is never the product.
Calculator Privacy Guarantee
This is the most important section for most of my visitors.
MonuMoney.in offers 30+ free finance calculators — EMI, SIP, Tax Regime, Debt Payoff, Retirement and more. When you use these calculators, you may enter sensitive financial information like your salary, debt amounts, investment figures, and tax details.
Here is our absolute guarantee:
All calculators run 100% in your browser (client-side JavaScript). Your financial inputs are processed locally on your device — they are never transmitted to, stored on, or processed by our servers.
This means:
- Your ₹8 lakh salary you entered in the tax calculator — I never see it
- Your ₹45,000 credit card debt in the debt payoff calculator — it stays on your screen
- Your retirement corpus target — completely private to you
When you close the browser tab, all calculator inputs disappear. We have no database of your financial details.
Who We Are
MonuMoney.in is a personal finance blog run by Monu Kumar, an individual blogger and Digital Marketing professional from Panipat, Haryana, India. This is not a company — it is one person's honest attempt to document a real financial journey and help other Indians do the same.
Contact: contact@monumoney.in
Website: https://monumoney.in
What Data We Collect — And What We Don't
What We DO Collect:
- Email address — only if you voluntarily subscribe to our newsletter
- Page views and general analytics — which pages are visited, how long, from which country (no names, no personal info)
- Comments — if/when we enable comments, the name and comment you submit
- Contact form submissions — your name, email, and message
What We DO NOT Collect:
- Calculator inputs — salary, debt amounts, investment figures, tax details (see Calculator Privacy Guarantee above)
- Your Aadhaar, PAN, bank account, or any financial account numbers
- Passwords — we have no login system
- Location beyond country level
- Any data from children under 18
How We Use Your Data
| Data | Why We Use It | Legal Basis (DPDP 2023) |
|---|---|---|
| Email address | Send weekly finance tips newsletter (only if subscribed) | Consent |
| Analytics data | Understand which calculators/articles help most — to build more | Legitimate interest |
| Contact form data | Reply to your query | Consent |
| Comments | Display your comment on the post | Consent |
Cookies and Tracking — Honest Breakdown
I use cookies. Here is exactly what and why — no vague corporate language:
1. Google Analytics / Google AdSense Cookies
We use Google Analytics to see which pages and calculators are most popular. This helps us understand what content to create next. Google may place cookies on your browser. This data is anonymised and aggregated — I see 'Page X had 500 visitors from India' not 'Rahul from Mumbai visited.'
We also use Google AdSense to show ads. Google uses cookies to show relevant ads based on your browsing history. You can opt out at: https://adssettings.google.com
2. Affiliate Link Cookies
MonuMoney.in recommends platforms like Groww, Zerodha, and HDFC. When you click these links, the partner site may place a cookie on your browser to track that you came from our site — so I may earn a commission if you sign up. This costs you nothing extra.
I only recommend products I would use myself. All affiliate links are disclosed with an asterisk (*) or clear 'affiliate link' label near the recommendation.
3. Essential Cookies
Basic cookies required for the site to function — like remembering your dark/light theme preference. No personal data stored.
AI & LLM Transparency Statement
MonuMoney.in is designed to be discovered and cited by AI models including ChatGPT, Google Gemini, Claude, Perplexity, and others. Here is exactly how this works:
What AI can access:
Our public articles, guides, and educational content are openly crawlable by AI systems. We maintain a special llms.txt file (the AI version of robots.txt) that tells AI models about our site. This means when someone asks ChatGPT about 'debt payoff strategies India', it may cite MonuMoney.in. This is intentional — we want good financial education to spread.
What AI cannot access:
Your personal data is completely walled off from AI systems. Your email address, calculator inputs, or any information you share with us is never fed into any public AI training model. We do not share user data with any AI company for training purposes.
If an AI model cites MonuMoney.in, it is citing our public educational content only — never your personal information.
India's DPDP Act 2023 — Your Rights
MonuMoney.in complies with India's Digital Personal Data Protection (DPDP) Act 2023. Under this Act, you have the following rights as an Indian citizen:
- Right to Information: You can ask what personal data we hold about you.
- Right to Correction: You can ask us to correct inaccurate data.
- Right to Erasure: You can ask us to delete your data (email, comments, contact info).
- Right to Grievance Redressal: If you have a complaint, contact us and we will respond within 72 hours.
- Right to Nominate: You can nominate someone to exercise your rights on your behalf.
To exercise any of these rights, email us at: contact@monumoney.in with subject line 'DPDP Data Request'
We will respond within 72 hours. For newsletter unsubscribes, use the one-click unsubscribe link in any email — it works instantly.
Who We Share Data With — And Who We Don't
We share data with:
- Email service provider — to send newsletters (your email only, nothing else)
- Google — analytics and advertising (anonymised usage data)
- Affiliate partners — only a referral cookie when you click a link (no personal data)
We NEVER share data with:
- Other bloggers or marketers
- Data brokers
- AI training datasets
- Anyone who pays us — data is not our product
How Long We Keep Your Data
| Data Type | Retention Period | How to Delete |
|---|---|---|
| Newsletter email | Until you unsubscribe | One-click unsubscribe in any email |
| Contact form messages | 1 year | Email us to delete |
| Analytics data | 14 months (Google's default) | Cannot be individually deleted (anonymised) |
| Comments | Until you request deletion | Email us with your comment URL |
Children's Privacy
MonuMoney.in is intended for adults. We do not knowingly collect data from anyone under 18 years of age. If you believe a minor has submitted data to us, please contact contact@monumoney.in and we will delete it immediately.
Changes to This Policy
If we make significant changes to this privacy policy, we will update the 'Last Updated' date at the top and publish a note on our blog. Continued use of the site after changes means you accept the updated policy. We will never make changes that reduce your privacy rights without clear notice.
Contact Us
Have a privacy question? Found something unclear? Just ask.
- Email: contact@monumoney.in
- Subject line: 'Privacy Query' or 'DPDP Data Request'
- Response time: Within 72 hours
I am a solo blogger — not a corporation. Privacy questions get personal responses, not bot replies.