Privacy Policy — 100% Client-Side Privacy

At SmartPaisa Tools (`smartpaisatools.in`), your financial privacy is absolute.

• No Server Database: We do not operate any database storing user inputs.
• Zero Data Transmission: Your salary entries, loan amounts, and tax figures never leave your device.
• No User Registration: We do not require accounts, phone numbers, or email signups to use any tool.

For complete terms governing the use of our calculation tools, model assumptions, and liability limits, please review our Terms and Conditions and Financial Disclaimer.