🔒 ZERO-SERVER-STORAGE PRIVACY

Privacy Policy

At MyLICCalculator.com, we treat your privacy as a fundamental right. Discover how our client-side architecture guarantees that your financial inputs remain strictly on your own device.

Jump to Section: 1. Client-Side Guarantee 2. No Personal Data 3. Cookies & Storage 4. Server Logs 5. Third-Party Links 6. Data Security 7. Legal Compliance 8. Contact Us

1. Client-Side Calculation Guarantee

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Your Financial Data Never Leaves Your Device: All policy calculations, age entries, sum assured selections, income figures, and loan calculations are executed exclusively within your web browser using client-side JavaScript. We do not transmit, log, record, or store your calculation parameters on our servers.

When you adjust the age slider, change premium paying terms, toggle optional riders, or compute Human Life Value, the mathematical algorithms run locally in your computer or mobile browser's memory. When you refresh or close your browser tab, those calculation inputs are instantly erased from memory.

2. No User Registration, Mobile Numbers, or OTPs

Traditional insurance portals frequently require users to submit names, phone numbers, email addresses, and OTPs before revealing premium numbers—often resulting in persistent spam calls from insurance agents and aggregators.

MyLICCalculator.com operates on a strict zero-profiling principle:

No user account registration or login is required to use any of our 25 policy calculators or 5 financial utilities.
We do not ask for or collect your mobile number, residential address, Aadhaar number, PAN, or financial account details.
We do not sell, rent, monetize, or broker any user lists or contact records to insurance brokers, lead generators, or third-party marketing networks.

3. Cookies & Local Storage Usage

We believe in transparent, minimal use of browser storage technologies:

Theme Preference (localStorage): The only data stored in your browser's local storage is a simple key: theme: "dark" or theme: "light". This remembers whether you prefer dark mode or light mode when navigating between pages.
No Intrusive Cross-Site Tracking: We do not deploy invasive cross-site behavioral cookies, canvas fingerprinting, or session recording spyware.
Clearing Storage: You can clear your browser storage or cookies at any time via your browser settings without affecting the functionality of the calculators.

4. Standard Web Server Logs & Performance Telemetry

Like virtually all internet platforms, our web servers automatically collect standard, non-personally identifiable diagnostic information when a web page is requested. This technical data includes:

Internet Protocol (IP) address (used transiently for security routing and DDoS attack mitigation).
Browser type and version (User-Agent).
Operating system and screen resolution category.
Referring URL and requested page paths.
Date, time, and duration of the request.

This information is reviewed exclusively in aggregated, anonymized form to monitor system health, detect broken links, optimize page loading speed, and safeguard against cyber attacks.

5. External Links to Third-Party Websites

Our website contains navigational hyperlinks to external websites, including:

The official portal of the Life Insurance Corporation of India (licindia.in).
The Insurance Regulatory and Development Authority of India (irdai.gov.in).
WhatsApp Web sharing links for voluntarily sharing quotations generated by you.

Please note that MyLICCalculator.com does not govern and is not responsible for the privacy practices, cookie policies, or content of external third-party websites. When navigating away from our portal, we encourage users to review the privacy policies of the respective external destinations.

6. Data Security & Encryption

We implement industry-standard security protocols to safeguard user browsing interactions:

HTTPS Encryption: All communications between your web browser and our servers are encrypted using modern Transport Layer Security (TLS 1.3 / SSL) with strong cipher suites.
Strict Content Security: Web application security headers (including X-Content-Type-Options: nosniff, X-Frame-Options: SAMEORIGIN, and referrer policies) are enabled to prevent clickjacking, MIME-sniffing, and cross-site scripting vulnerabilities.

7. Compliance with Indian Data Protection Regulations

MyLICCalculator.com is designed to fully respect the principles set forth in India's Digital Personal Data Protection Act (DPDP Act, 2023) and the Information Technology Act, 2000:

Data Minimization: We do not collect personal data because personal data is simply not required to perform actuarial calculations.
Purpose Limitation: The website serves purely an educational and informational calculation function.
Children's Privacy: We do not solicit, gather, or maintain information from children under 18 years of age.

8. Questions & Data Protection Officer Contact

If you have questions, inquiries, or feedback regarding our privacy standards or technical architecture, you can contact our privacy desk directly:

Privacy Email: privacy@myliccalculator.com
Mailing Address: MyLICCalculator.com Editorial & Technical Desk
Last Updated: October 18, 2026