Privacy Policy

1. Who We Are and What We Do

HeyArtha ("we", "us", "our") is an independent financial calculation and educational guide platform operated by Shivam Kushwaha at heyartha.com. We provide client-side financial decision and tax calculation tools across five families (Tax, Money, Loans, Salary, and Investing), along with statutory and financial planning knowledge guides.

Our utilities include Schedule BP regular business tax, Section 44AD/44ADA presumptive tax, Tax Twin, Advance Tax estimators, In-Hand Salary, Bank Reconciliation Statement, Rent vs Buy vs Invest, Loan Freedom, EMI Truth, Shock Test, AI Payback, Pitch Decoder, Offer Decoder, and Principle Check.

For privacy inquiries, data requests, or grievance redressal, you can contact us at support@heyartha.com or reach our Grievance Officer at grievance@heyartha.com.

2. Calculation Inputs & In-Browser Processing

All calculation utilities on HeyArtha are built for client-side execution in your browser:

• Client-side execution: When you enter financial figures (such as turnover, deductions, salary CTC, EMI details, savings balances, or investment cash flows), mathematical computations are executed entirely inside your browser's local JavaScript engine.
• No server transmission of inputs: Your calculation inputs, intermediate math, and generated results are not transmitted to or stored on our backend servers.
• Local device persistence (localStorage): If you choose to save a scenario or download a calculation summary, that data is stored solely in your browser's localStorage. You can clear this saved data at any time through your browser settings or via the on-page controls.

Exams practice tests: When you submit a test, your name and answers go to our grading function for that one request. It scores the answers and signs the certificate code, then returns the result. They are not stored on our servers and your name is not written to logs. Your attempt, answers and result stay in this browser, in localStorage keys that start with ha:exam:, until you clear your browser data or retake the test. The "Report a mistake" button on a question uses the same feedback form described in section 5.

3. Information We Collect Automatically

Like most web utilities, we collect limited technical information automatically to maintain platform stability, prevent abusive traffic, and understand how visitors use our guides and tools:

• Server Logs: When you request a page on heyartha.com, our hosting provider (Vercel) automatically logs standard HTTP request data, including your IP address, browser type, operating system, referring URL, and timestamp. These logs are used strictly for security monitoring, DDoS mitigation, and server performance analysis.
• Aggregated Analytics: We use Google Analytics 4 (GA4) to gather aggregated traffic statistics (such as page views, session duration, and general device category). Analytics data helps us identify which guides and calculators are most useful. IP anonymization is applied in accordance with standard analytics practices.
• Page-use recordings (Microsoft Clarity): We use Microsoft Clarity to see how pages are used. Clarity records how a page renders and how a visitor interacts with it, such as mouse movements, clicks and scrolls, and shows this to us as session recordings and heatmaps. See section 4 for what is masked, the cookies it sets and how to opt out.

4. Cookies and Advertising Disclosures

We use minimal cookies and local browser storage to operate the site:

• Essential local storage: Used only to remember your calculator UI preferences, active regime selections, and any scenarios you explicitly choose to save.
• Third-Party Advertising: To help offset domain, hosting, and content development costs, the website includes the Google AdSense asynchronous script loader (client ID ca-pub-8120834772668545). Third-party vendors, including Google, use cookies to serve ads based on prior visits to this website or other sites on the Internet. Google's use of advertising cookies enables it and its partners to serve ads based on your browsing patterns.

You can opt out of personalized advertising by visiting Google Ads Settings or by visiting www.aboutads.info.

Microsoft Clarity. Clarity is loaded on our pages to show us how they are used. It sets two first-party cookies, _clck (a pseudonymous visitor ID and preferences) and _clsk (links page views into one session). Microsoft documents further cookies that Clarity may set on Microsoft domains. If your browser blocks cookies, Clarity does not set them.

What is masked. On every calculator and tool page, the feedback and contact forms, sign-in pages and the admin area, we mark the page content as masked in our own code, so the figures you type and the results, tables and summaries calculated from them are not captured in recordings. Clarity also always masks text typed into input boxes and drop-down menus. The admin area does not load Clarity when opened directly. Recordings are kept by Microsoft for up to 30 days, longer for recordings we mark as favourites.

How to opt out. Clarity does not respond to the browser Do Not Track setting. You can opt out of Clarity by selecting Microsoft on the Digital Advertising Alliance opt-out page, or turn on Global Privacy Control in your browser, which Clarity supports. Blocking cookies in your browser also stops the Clarity cookies. Details are in Microsoft's Clarity documentation and the Microsoft Privacy Statement.

5. Feedback Card and User Communications

Using our calculators and reading our guides requires no account, registration, or personal identity details.

Shared Feedback Component: Our calculation tools include a feedback card allowing visitors to voluntarily submit:

• A 1-to-3 rating (Bad, OK, Good).
• Optional category chips (such as "easy to understand", "number looks wrong", or "something broke").
• An optional free-text message (limited to 1,000 characters).
• Optional contact details (limited to 200 characters, such as email or phone if you want a response).

Feedback privacy: The feedback form sends only what you type and choose to submit: a rating, optional category chips, an optional message and optional contact details, together with the tool name and page address. Some tools let you attach optional details. Feedback payloads are transmitted securely via /api/feedback and recorded with a salted, hashed IP address for rate-limiting (maximum 6 per hour, 20 per day) without storing raw IP addresses.

Direct Communications: If you email support@heyartha.com or submit our contact form, we retain your message and contact details only as long as necessary to investigate and respond. We do not sell, rent, or trade contact information to data brokers or third parties.

6. Third-Party Service Providers

We rely on trusted third-party technical providers to host and deliver HeyArtha:

7. Data Retention and Deletion

• Browser calculations & scenarios: Retained in your device's localStorage until you clear your browser cache or remove them on the page.
• Exams attempts and certificates: Kept only in your browser until you clear it or retake the test. The grading function keeps nothing after it replies.
• Server logs: Retained by our CDN provider in accordance with standard security retention cycles (typically 30 to 90 days).
• Feedback & support inquiries: Retained for up to 180 days to ensure resolution continuity, unless requested earlier.

8. Your Rights (DPDP Act, 2023 & IT Act, 2000)

In alignment with the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000, you have the right to:

• Access: Request a summary of personal data we hold about you.
• Correction: Request correction of inaccurate or outdated information.
• Erasure: Request deletion of your feedback submissions or contact records.
• Withdrawal of Consent: Cease using the platform or opt out of telemetry and advertising cookies at any time.
• Grievance Redressal: Submit a complaint to our designated Grievance Officer if you believe your privacy rights have been infringed.

To exercise any of these rights, email us at support@heyartha.com. We will acknowledge and respond to requests within 30 days, after confirming your identity.

9. Children's Privacy

HeyArtha is intended for adult taxpayers, students, and professionals aged 18 and older. We do not knowingly collect personal data from individuals under 18. If you believe a minor has submitted personal data to us, please contact support@heyartha.com for immediate deletion.

10. Security Practices

We implement reasonable technical and organizational security measures, including HTTPS/TLS encryption in transit, strict content security headers, and salt-hashed IP storage. However, no internet transmission is completely invulnerable; we recommend exercising standard cybersecurity precautions.

11. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our tools, infrastructure, or legal requirements. When changes occur, the "Last updated" date at the top of this page will be revised.

12. Contact & Grievance Redressal

For privacy questions, data requests, or formal grievances:

Legal pages on HeyArtha

• Terms & Conditions

  The terms for using HeyArtha: calculators and guides, acceptable use, disclaimers, and limitation of liability.

• Cookie & Storage Policy

  How HeyArtha uses cookies and local browser storage. Calculator inputs remain on your device and are not stored on our servers.

• Disclaimer

  Statutory disclaimer and educational notice for HeyArtha calculators and guides. Content and tools are not reviewed by a Chartered Accountant.

• Refund & Cancellation Policy

  HeyArtha refund and cancellation policy. The calculators and guides cost nothing and no paid plans are offered.

• Contact Us & Grievance Redressal

  Contact HeyArtha for calculator support, math corrections, editorial feedback, or reach the Grievance Officer under IT Rules 2021.