Privacy Policy

1. Introduction

At ClearMF ("we," "our," or "us"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website at clearmf.com (the "Platform").

By using ClearMF, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Platform.

2. Information We Collect

2.1 Information You Provide

We may collect information that you voluntarily provide when you:

• Contact us through email or contact forms
• Subscribe to our newsletter or updates
• Participate in surveys or feedback forms
• Create an account (if applicable in the future)

2.2 Automatically Collected Information

When you use our Platform, we automatically collect certain information:

• Usage Data: Pages visited, time spent, features used, search queries
• Device Information: Browser type, operating system, device type, screen resolution
• IP Address: For analytics and security purposes (anonymized when possible)
• Cookies and Tracking: To improve user experience and analytics

2.3 Financial Information

Important: We do NOT collect, store, or process any sensitive financial information such as:

• Bank account details
• Credit/debit card information
• PAN numbers or other tax identifiers
• Investment portfolio details
• Personal investment amounts or holdings

All calculator inputs and searches are processed client-side in your browser and are not stored on our servers unless you explicitly save them (future feature).

3. How We Use Your Information

We use collected information for the following purposes:

• Service Delivery: To provide and improve our Platform features
• Analytics: To understand user behavior and improve user experience
• Communication: To respond to inquiries and send updates (with consent)
• Security: To detect fraud, abuse, and security threats
• Compliance: To comply with legal obligations and regulations
• Personalization: To provide relevant content and recommendations

4. Data Storage and Security

4.1 Where We Store Data

Our Platform infrastructure is hosted on secure cloud services (Vercel, Neon Database) with data centers primarily in the United States and Europe. We use industry-standard security practices to protect your data.

4.2 Security Measures

• HTTPS encryption for all data transmission
• Secure database connections with encryption at rest
• Regular security audits and vulnerability assessments
• Access controls and authentication for internal systems
• Automatic security updates and patch management

4.3 Data Retention

We retain your data only as long as necessary to provide our services and comply with legal obligations. Analytics data is typically aggregated and anonymized after 90 days. You can request deletion of your personal data at any time.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

You can control cookies through your browser settings. However, disabling certain cookies may limit Platform functionality.

6. Third-Party Services and Data Sharing

6.1 Third-Party Services We Use

• Vercel: Hosting and deployment infrastructure
• Neon Database: PostgreSQL database hosting
• Google Analytics: Website analytics and user behavior tracking
• MFAPI: Public mutual fund data source (no personal data shared)

6.2 Data Sharing

We do NOT sell, rent, or trade your personal information. We may share data only in these limited circumstances:

• With service providers who help operate our Platform (under strict confidentiality)
• When required by law or to protect our legal rights
• In case of business transfer (merger, acquisition) with notice to users
• With your explicit consent

7. Your Privacy Rights

You have the following rights regarding your personal data:

• Access: Request a copy of your personal data
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your personal data
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Receive your data in a portable format
• Object: Object to certain data processing activities

To exercise these rights, please contact us at privacy@clearmf.com. We will respond within 30 days.

8. Children's Privacy

Our Platform is not intended for children under 18 years of age. 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 immediately.

9. International Users

ClearMF is based in India and primarily serves Indian users. If you access our Platform from outside India, please be aware that your information may be transferred to and processed in countries with different privacy laws. By using our Platform, you consent to this transfer.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically. Continued use of the Platform after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us: