Privacy Policy

1. Our Commitment to Privacy

InvestioHub is built on a **Privacy-First** philosophy. Unlike traditional financial tools that store your sensitive data on central servers, our calculators and simulators are designed to process and store data locally on your device whenever possible.

2. Data Collection

Financial Tools Data

The data you enter into our tools (e.g., FIRE Simulator, EMI Calculator, Expense Analyzer) is stored in your browser's local storage or indexedDB. It never leaves your device unless you explicitly choose to use a feature that requires cloud processing, such as the AI Financial Coach.

AI Financial Coach

When you use the AI Coach, your tool data is securely transmitted to our AI partner (Google Gemini) for analysis. This data is not used for training models by our partners and is not stored on our servers after the session expires.

Account Information

We use **Clerk** for authentication. We collect basic information like your email address and name to manage your Pro subscription and personal settings. Use of this data is governed by Clerk's privacy policy.

3. Payments and Billing

We use third-party payment processors like **Razorpay** and **Stripe** to handle transactions. We do not store your credit card or bank details on our servers. The processors collect information necessary to complete your purchase and comply with financial regulations.

4. Third-Party Services

We use **Google Analytics** to understand how visitors interact with our site. This helps us improve the user experience. All analytics data is anonymized.

5. Your Rights

You have the right to access, export, or delete your account information at any time through your dashboard. Since most financial data is stored locally on your device, you can clear it by simply clearing your browser cache.

6. Contact Us

If you have any questions about this Privacy Policy, please contact us at:
Email: investiohub@gmail.com