1. Scope of this policy
This Privacy Policy applies to the NiveshWise website, Android app and the supporting content delivered through them. It does not apply to third-party websites, stores or services that have their own privacy policies.
By using NiveshWise, you acknowledge the practices described here. If you do not agree with this policy, please discontinue use of the website and app.
2. Calculator inputs and results
Financial values you enter into NiveshWise calculators are intended to be processed locally on your device to generate results. NiveshWise does not require an account and does not ask you to submit your name, bank credentials, card details, account numbers, passwords or OTPs to use its calculators.
Do not enter sensitive personal or financial identifiers into free-text fields, support messages or any feature that does not expressly require them.
3. Information that may be processed
When you access online content, standard technical information may be processed automatically by hosting, network or app-service providers. This can include IP address, browser or device type, operating system, language, approximate region, request time, requested page, app version and diagnostic events.
This information may be used to deliver content, maintain security, diagnose failures, understand aggregate performance and improve reliability. NiveshWise does not sell your personal information.
4. Third-party services
The app and website may rely on third-party services for app distribution, advertising, hosting, security and diagnostics. These providers may collect or process information according to their own terms and privacy policies.
- Google Play services may process app-installation, device, purchase or diagnostic information.
- Google advertising services may process device identifiers, ad interactions and consent choices to deliver, measure or limit advertising.
- Website hosting and network providers may process standard request and security logs needed to deliver the site.
You can review Google's Privacy Policy, Google's advertising information, and How Google uses information from sites or apps that use its services for more detail.
5. Advertising, cookies, web beacons and IP addresses
NiveshWise uses Google advertising products and services, including AdSense-related technology, on the website. As a result of ad serving on the site, Google and other third parties may collect, share, and use information needed to deliver, measure, limit, secure, and improve advertising.
This may include the use of cookies, web beacons, IP addresses, device identifiers, browser information, pages visited, ad interactions, approximate location, and similar technologies or identifiers. Third parties may place and read cookies on your browser, or use web beacons or IP addresses to collect information as a consequence of advertising being shown on the website.
That information may be used for purposes such as serving ads, capping repeated ads, measuring campaign effectiveness, fraud prevention, reporting, and, where allowed by law and your settings, ad personalisation. If a consent message is shown, Google and other advertising providers will process information according to the choice you make there.
You can learn more or manage certain preferences through Google Ad Settings, your browser's cookie controls, and device or app privacy settings.
6. Local preferences and storage
NiveshWise may store preferences on your device, such as language, appearance, onboarding state or interface settings, so the experience remains consistent between sessions. Clearing the app's storage or your browser data may remove these preferences.
Third-party services may use cookies, identifiers or similar technologies where permitted. You can manage browser cookies, Android advertising controls and app permissions through your device settings.
7. Security and retention
Reasonable technical and organisational measures are used to protect services and limit unnecessary data handling. No internet transmission or storage system can be guaranteed to be completely secure.
Service providers may retain technical or diagnostic information for periods described in their own policies or as required by law. NiveshWise retains information only where needed for legitimate operational, security or legal purposes.
8. Children's privacy
NiveshWise is a general-audience financial utility and is not directed to children under 13. We do not knowingly request personal information from children. If you believe a child has provided personal information, use the contact route below so the matter can be reviewed.
9. Your choices
Depending on your location, you may have rights relating to personal information, including access, correction or deletion. You can also control certain processing by changing app permissions, advertising preferences, browser settings or by uninstalling the app.
Because NiveshWise does not require a user account, we may not be able to identify or retrieve information held only by an independent third-party provider. Requests involving a provider may need to be directed to that provider.
10. Changes to this policy
This policy may be updated when features, legal requirements or service providers change. The effective date at the top of this page will be revised when material updates are published. Continued use after an update means the revised policy applies.
11. Contact
For privacy questions or requests, email niveshwiseapp@gmail.com. Please do not include passwords, OTPs, bank credentials or full account information in your message.