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 calculations run entirely in your browser and their inputs are not submitted to an
application server or stored in a database. Current shareable calculator links keep the
values after the # in the URL, a fragment that browsers do not send in HTTP
requests. Calculator links created before 27 August 2026 may instead contain the values
after ?; opening one can include those values in the initial infrastructure
request before the page immediately converts them to a fragment. Avoid sharing a legacy
link if its figures are sensitive.
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 Google Analytics 4 to understand which pages are read and how people arrive. It can
process the page and referring page, browser and device information, approximate location
derived from network data, and similar technical events. Google Analytics may set
first-party cookies such as _ga to distinguish browsers. Calculator inputs are
kept after the # in shareable URLs, which browsers do not send to servers, and
are not sent to Google Analytics. We do not use analytics to identify visitors, and we do
not sell analytics data. Google processes this information under its
privacy policy
.
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 cookies. Blocking them does not affect any calculator or other core feature of this site.
Affiliate links
Some outbound product links use EarnKaro or another affiliate network. When you follow one, the network, advertiser or provider receives campaign-attribution information and may set a cookie or use a similar identifier to connect a qualifying application with WealthStem. That is how the commission described in our advertiser disclosure is tracked. Once you leave this site, the destination's and network's privacy policies govern what happens next — including anything you enter into an application form, which WealthStem never receives or sees.
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.