Privacy Policy

Your privacy is important to us. This policy explains how LIC-Calculator.com collects, uses, and protects your information.

Effective Date: July 1, 2026  |  Last Updated: July 1, 2026

1. Introduction

Welcome to LIC-Calculator.com ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your data when you visit our website lic-calculator.com and use our free LIC insurance calculators.

By accessing or using our website, you agree to the terms of this Privacy Policy. If you do not agree with any part of this policy, please do not use our website.

2. Information We Collect

We collect information in the following ways:

2.1 Information You Provide

  • Contact Form Data: When you reach out via our contact form, we collect your name, email address, subject, and message content.
  • Calculator Inputs: When you use our calculators, you may enter data such as age, sum assured (in β‚Ή), policy term, and premium payment mode. This data is processed entirely in your browser and is not stored on our servers.

2.2 Information Collected Automatically

  • Log Data: Our servers automatically record information including your IP address, browser type, operating system, referring URL, pages visited, and the date and time of your visit.
  • Device Information: We collect information about the device you use to access our website, including device type, screen resolution, and language preferences.
  • Usage Data: We track how you interact with our website, including which calculators you use, pages you visit, and time spent on each page.

2.3 Information from Cookies and Similar Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. See Section 4 (Cookies Policy) below for more details.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To Provide Our Services: Operating and maintaining our free LIC premium, maturity, and return calculators.
  • To Improve Our Website: Analysing usage patterns to enhance user experience, fix bugs, and develop new features.
  • To Respond to Inquiries: Replying to your questions, feedback, or support requests submitted through our contact form.
  • To Display Relevant Advertisements: Serving personalised or contextual ads through third-party advertising partners.
  • To Comply with Legal Obligations: Meeting any applicable legal or regulatory requirements under Indian law.
  • To Protect Our Rights: Detecting, preventing, and addressing fraud, abuse, or security issues.

4. Cookies Policy

Cookies are small text files placed on your device when you visit our website. We use the following types of cookies:

  • Essential Cookies: Required for the website to function properly (e.g., theme preference, session management). These cannot be disabled.
  • Analytics Cookies: Help us understand how visitors interact with our website by collecting anonymous usage data (powered by Google Analytics).
  • Advertising Cookies: Used by our advertising partners (such as Google AdSense) to display relevant advertisements based on your browsing behaviour.
  • Preference Cookies: Store your settings and preferences, such as light/dark theme selection.

You can control cookies through your browser settings. Most browsers allow you to block or delete cookies. However, disabling cookies may affect your experience on our website.

5. Third-Party Services

We use the following third-party services that may collect information about you:

5.1 Google Analytics

We use Google Analytics to understand website traffic and usage patterns. Google Analytics collects information such as how often users visit the site, what pages they visit, and what other sites they used prior to coming to our site. Google Analytics collects only the IP address assigned to you on the date you visit our site and uses cookies to do so. We do not combine the information collected through Google Analytics with personally identifiable information. For more information, visit Google's Privacy Policy.

5.2 Google AdSense

We use Google AdSense to display advertisements on our website. Google AdSense may use cookies and web beacons to serve ads based on your prior visits to our website or other websites. You can opt out of personalised advertising by visiting Google Ads Settings.

5.3 Other Third-Party Links

Our website may contain links to external websites, including the official LIC of India website (licindia.in). We are not responsible for the privacy practices or content of these third-party websites. We encourage you to review the privacy policies of any external site you visit.

6. Data Security

We take the security of your information seriously and implement reasonable technical and organisational measures to protect it, including:

  • SSL/TLS encryption for all data transmitted between your browser and our servers.
  • Regular security audits and vulnerability assessments.
  • Limited access to personal information by authorised personnel only.
  • Secure hosting infrastructure with regular backups.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Contact form submissions are retained for up to 12 months from the date of receipt.

8. Your Rights

As a user based in India, you have the following rights regarding your personal data:

  • Right to Access: You may request a copy of the personal data we hold about you.
  • Right to Correction: You may request correction of any inaccurate or incomplete personal data.
  • Right to Deletion: You may request deletion of your personal data, subject to any legal obligations we may have.
  • Right to Withdraw Consent: Where we process your data based on consent, you may withdraw your consent at any time.

To exercise any of these rights, please contact us at contact@lic-calculator.com.

9. Children's Privacy

Our website is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at contact@lic-calculator.com, and we will take steps to delete such information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of India, including but not limited to:

  • The Information Technology Act, 2000
  • The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011
  • The Digital Personal Data Protection Act, 2023 (as applicable)

Any disputes arising under this policy shall be subject to the exclusive jurisdiction of the courts in India.

12. Contact Us

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

We will respond to your inquiry within 24–48 hours during business days.