Privacy Policy

Our web platform uses standard browser localStorage exclusively for one non-identifying preference:

• lic_theme_preference: Remembers whether you selected Light Mode or Dark Mode for visual comfort.

You can clear your local storage at any time via your browser settings without affecting the calculator's mathematical functions.

When an insurance advisor or policyholder clicks "Share on WhatsApp" or "Download Client PDF":

• The WhatsApp text snippet is assembled directly within your local browser JavaScript and passed to the official WhatsApp URL protocol (https://api.whatsapp.com/send). We have zero access to your contacts, chat history, or phone details.
• PDF client proposals trigger the native browser print engine (window.print()) locally. No PDF documents or policy estimates are generated on our servers.

To keep this calculation utility completely free for all insurance advisors and policyholders without charging subscriptions, we may display non-intrusive advertisements served by trusted partners like Google AdSense.

• Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website or other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to users based on their visits to our site and/or other sites on the Internet.
• Users may opt out of personalized advertising by visiting Google Ads Settings or aboutads.info.

In accordance with India's Digital Personal Data Protection Act, 2023 (DPDP Act), we design all interfaces with privacy-by-design. Because we do not collect, process, or store digital personal data, your privacy risk while using licplancalc.com is effectively zero.

If you have questions regarding this Privacy Policy or wish to report any privacy concerns, please contact our team directly at privacy@licplancalc.com or visit our Contact Us page.