Effective 23 August 2026
Information You Enter
Calculator values are processed in your browser. Retirement-projection assumptions are added to the page URL so an estimate can survive a refresh and be shared when you choose to copy the link. Anyone who receives a shared retirement-calculator URL can read those assumptions, so do not enter personal identifiers or confidential financial information.
Income and deduction values entered in the NPS tax-benefit calculator are not added to its URL and cannot be shared through the website. The tax calculation runs locally on the current page.
Local Preferences & One-Time Transfers
Your light or dark theme preference is stored in your browser using local storage. This preference remains on your device until you change it or clear your browser data. It is not used to identify you.
When you open the tax-benefit calculator from an NPS result, annualised contribution assumptions may be placed temporarily in session storage so they do not appear in the destination URL. The destination page removes this one-time transfer after reading it.
Hosting Logs & Analytics
We use Google Analytics to understand website usage, such as pages visited, approximate location, device and browser information, and how visitors arrive at the site. Google may use cookies or similar technologies to provide this service. We do not use this information to ask for or intentionally collect your PRAN, Aadhaar number or calculator inputs. Our hosting provider may also process standard technical logs, such as an IP address, browser type, requested page and access time, to deliver the website, maintain reliability and investigate abuse.
Email Communications
If you email us, we receive the address and information you choose to provide. We use it to review and respond to your message. Please do not send PRAN, Aadhaar, account statements or other sensitive information.
Updates & Questions
We may update this policy when the website or its data practices change. The effective date above identifies the current version. For a privacy question or request, email nirvaanopc@gmail.com.