Privacy policy
WealthStem collects as little about you as it can while still functioning. This page states precisely what that means.
What we do not collect
This site has no user accounts, no login, no newsletter sign-up and no contact form. We never ask for your name, phone number, PAN, Aadhaar, income, bank details or any other personal or financial information, and there is nowhere on this site to enter them. If a page ever asks you for such details, it is not us — close it.
The calculators run entirely in your browser. The figures you enter are never transmitted to us or to anyone else, are not stored on a server, and are not logged. If you share a calculator link, the values travel in the URL you chose to share and nowhere else.
What is collected automatically
Like any website, ours is served by infrastructure that records basic technical information for each request — IP address, browser and device type, the page requested, referring page and timestamp. This is used for security and for aggregate traffic statistics, and is not used to build a profile of you.
Analytics
We use privacy-respecting, aggregate analytics to understand which pages are read and how people arrive. We do not attempt to identify individual visitors, and we do not sell, rent or share analytics data.
Advertising and cookies
Pages may carry advertising served by third parties, including Google AdSense. These networks may set cookies or use similar technologies to serve and measure advertising, and in some cases to personalise it based on your prior browsing. That processing is carried out by the advertising network under its own privacy policy, not by us, and we do not receive the identifying data it collects.
You can control this. Google's ad personalisation settings are at myadcenter.google.com , and every major browser lets you block or clear third-party cookies. Blocking them does not affect any feature of this site, including the calculators.
Affiliate links
Some outbound product links are affiliate links. When you follow one, the affiliate network or issuer may set a cookie to attribute a resulting application to us. That is how the commission described in our advertiser disclosure is tracked. Once you leave this site, you are on the issuer's or network's property and their privacy policy governs what happens next — including anything you enter into an application form, which we never see.
If you email hello@wealthstem.com, we hold your message and address for as long as needed to deal with it. We do not add correspondents to any mailing list, and we do not share your address.
Your rights
Under India's Digital Personal Data Protection Act, 2023, you have rights over personal data held about you, including access, correction and erasure. Because we hold almost nothing — no accounts, no profiles, and typically nothing beyond an email you chose to send — most requests are straightforward. Write to hello@wealthstem.com and we will respond.
Readers in the EEA or UK: the same contact address applies for rights under the GDPR.
Children
This site is intended for adults making decisions about financial products and is not directed at children. We do not knowingly collect data from children.
External links
We link to banks, regulators and government sites so you can verify what we publish. We are not responsible for their content or privacy practices, and we encourage you to read their policies — particularly before entering personal information into any application.
Changes
If this policy changes materially, the effective date above changes and the revised version is published here. Continued use of the site after that constitutes acceptance.
Contact
Questions about privacy: hello@wealthstem.com.