Privacy Policy

1. Introduction

Welcome to Taxlay ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Income Tax Calculator service.

By using Taxlay, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Information You Provide

When you use our tax calculator, you may provide the following information:

• Income details (salary, house property, business income, capital gains)
• Deduction details (80C, 80CCD, 80D, and other tax-saving investments)
• Personal information (age, family details for 80D calculation)
• Tax details (TDS, tax payments)

2.2 Payment Information

When you make a payment, we collect:

• Payment amount and transaction ID (processed securely by Razorpay)
• Email and phone number (as provided to Razorpay)
• Payment status and transaction history

3. How We Use Your Information

We use the information you provide to:

• Calculate your income tax liability under Old and New regimes
• Compare tax regimes and provide recommendations
• Generate detailed tax reports (Excel format)
• Process payments for premium reports
• Send transaction receipts and payment confirmations
• Improve our services and user experience

4. Data Storage and Security

4.1 Client-Side Processing

Your financial data is NOT stored on our servers. All tax calculations are performed locally in your browser using JavaScript. We do not store:

• Your income details
• Your deduction amounts
• Your tax calculations
• Your financial information

4.2 What We Store

We only store the following information on our servers:

• Payment transaction records (via Razorpay)
• Basic analytics (page views, device type, location)
• Cookies and similar tracking technologies

4.3 Security Measures

We implement appropriate technical and organizational security measures to protect your information, including:

• SSL/TLS encryption for data transmission
• Secure payment processing via Razorpay (PCI DSS compliant)
• Access controls and authentication for our systems
• Regular security audits and updates

5. Data Sharing and Disclosure

5.1 Third-Party Service Providers

We share your information with the following third parties:

• Razorpay Payment Services: For payment processing. They handle payment information in accordance with their privacy policy.
• Cloud Hosting Providers: For hosting our application (Vercel/Netlify)
• Analytics Services: For website analytics (Google Analytics, if enabled)

5.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, government regulations).

6. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve our services and features

You can disable cookies through your browser settings, but this may affect the functionality of our website.

7. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate data
• Deletion: Request deletion of your personal data
• Objection: Object to processing of your data
• Restriction: Request limitation of data processing
• Data Portability: Request transfer of your data

To exercise these rights, please contact us at the email address provided below.

8. Children's Privacy

Our service is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable laws.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: