Privacy Policy

1. Overview and Core Philosophy

At dmrs.in (referred to as "we", "us", "our", or "the Website"), operated by SUMAN TR based in Bengaluru, India, we are committed to upholding the highest standards of digital privacy and data protection.

This Privacy Policy outlines how we treat information when you browse our website, use our interactive calculation utilities, or read our published technical guides. We believe in absolute transparency: we collect as little data as humanly possible, we do not store your calculator inputs, and we never sell your personal information to data brokers.

2. Zero Storage of Tool & Calculator Inputs (100% Client-Side)

A cornerstone of dmrs.in is that all 12 interactive tools—including the EMI/Loan Calculator, GST Calculator, SIP Calculator, Compound Interest Calculator, Income Tax Regime Comparison, Word Counter, JSON Formatter, Base64 Encoder/Decoder, and Password Generator—execute 100% locally inside your web browser’s JavaScript sandbox.

• No Server Transmission: When you enter loan figures, annual salary amounts, tax deduction numbers, cryptographic passwords, or JSON payloads into our tools, that data is processed entirely in your device’s volatile RAM memory.
• No Backend Logging: Our web servers do not receive, parse, inspect, or retain your financial or technical inputs. If you refresh or close your browser tab, those values cease to exist.

3. Information We Collect Automatically (Standard Web Server Logs)

Like virtually all standard web servers on the internet, our hosting infrastructure (LiteSpeed / Apache) automatically logs basic technical transmission requests. These standard access logs may include:

• Internet Protocol (IP) address (used solely for DDoS mitigation and server security).
• Browser user-agent string and operating system architecture.
• Referring URL, timestamp of the visit, and requested resource paths (e.g. /tools/emi-calculator).
• HTTP status response codes (e.g. 200 OK, 404 Not Found).

These server logs are maintained strictly for diagnostic, performance monitoring, and server security purposes, and are automatically purged on a rolling schedule. They are never combined with personally identifiable information.

4. Cookies, Web Beacons & Local Storage

Cookies are small text files stored on your local device by your web browser. dmrs.in uses cookies and local storage strictly where necessary to deliver a functional user experience:

• Essential Local Storage: We use browser localStorage solely to record your preference when you dismiss our lightweight Cookie Notice banner (dmrs_cookie_consent_v1). This prevents the banner from reappearing on every subsequent page you visit.
• Functional Session Memory: Certain tools may remember your non-sensitive UI settings (such as 2-space vs 4-space JSON formatting or URL-safe Base64 toggles) locally within your current browser session.

5. Google AdSense & DoubleClick Cookie Disclosure

To support the continued free maintenance and hosting of our tools and research guides, dmrs.in may partner with Google as a third-party advertising vendor:

• Third-Party Vendors: Google, as a third-party vendor, uses cookies to serve ads on dmrs.in.
• DoubleClick DART Cookie: Google\'s use of the DoubleClick DART cookie enables it and its partners to serve advertisements to our users based on their visits to dmrs.in and/or other sites across the internet.
• Non-Personally Identifiable: The DART cookie tracks "non-personally identifiable information" (it does NOT track your name, physical address, email address, or telephone number).

How to Opt-Out of Personalized Advertising:

Users may opt out of personalized advertising and the use of the DoubleClick DART cookie at any time by utilizing either of the following official opt-out portals:

1. Visit Google Ads Settings: https://adssettings.google.com to manage your ad personalization preferences or disable personalized ads globally across all Google services.
2. Visit the Digital Advertising Alliance (DAA) / Network Advertising Initiative (NAI) consumer choice portal at: https://www.aboutads.info/choices/ or https://www.networkadvertising.org/choices/ to opt out of third-party vendor tracking cookies.

6. Compliance with India’s Digital Personal Data Protection (DPDP) Act, 2023

In accordance with the Digital Personal Data Protection Act, 2023 (DPDP Act) enacted by the Parliament of India, dmrs.in acts as a privacy-by-design data fiduciary:

• Purpose Limitation: We do not collect digital personal data unless you explicitly and voluntarily send it to us via direct email communication.
• Data Minimization: Our calculation engines require zero account sign-up, zero phone numbers, and zero Aadhaar or PAN details to function.
• Right to Correction & Erasure: If you have communicated with us via email and wish to have your correspondence permanently deleted from our inboxes, you may submit a request to TRSUMAN097@GMAIL.COM, and we will comply within 30 days.

7. Compliance with the European Union General Data Protection Regulation (GDPR)

For visitors accessing dmrs.in from the European Economic Area (EEA) and the United Kingdom:

• Our legal basis for processing technical server log data is legitimate interest (Article 6(1)(f) GDPR) to maintain website security, prevent fraud, and ensure server uptime.
• You possess the right under GDPR to access, rectify, restrict, or request erasure of any personal data you have voluntarily provided to us.

8. Children’s Online Privacy Protection (COPPA)

Protecting the privacy of children is of paramount importance. dmrs.in is designed for general audiences and does not knowingly solicit or collect personally identifiable information from children under the age of 13 (or under 18 under Indian law). If you are a parent or legal guardian and believe that your child has provided us with personal contact information, please contact us immediately, and we will delete such records forthwith.

9. External Links to Third-Party Websites

Our guides and tools frequently link to official Indian government portals (such as incometax.gov.in, rbi.org.in, cbic.gov.in) and international technical standards (such as IETF, W3C, and OWASP) for verification purposes. Please be aware that once you click an outbound link and leave dmrs.in, our Privacy Policy no longer applies. We encourage you to review the privacy policies of any third-party websites you visit.

10. Changes to This Privacy Policy

We may periodically update this Privacy Policy to reflect technical modifications, hosting architecture upgrades, or changes in legal regulations. When updates occur, the "Last Reviewed & Updated" date at the top of this document will be revised accordingly. Continued use of dmrs.in following the posting of updates constitutes your acceptance of the revised terms.

11. Contact Details for Data Inquiries

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Lead Publisher and Data Grievance Officer: