Privacy Architecture

Exactly what leaves your browser — and what doesn't.

Educational website

Niyamfin is an educational financial calculator website. It is not a regulated financial adviser, investment adviser, tax adviser, insurance adviser, broker, distributor, lender, or financial intermediary. Calculator outputs are illustrative and should be verified with qualified professionals before making financial decisions.

Partnership, collaboration, integration, licensing, sponsorship, or business inquiries are welcome at hello@niyamfin.com, but any business relationship does not change the educational nature of the website or imply advisory licensing.

What stays on your device

•Financial inputs you enter — income, expenses, assets, debts, insurance figures. These are processed entirely by JavaScript running in your browser tab. They are never serialised to a network request.
•All calculations — net worth, ratios, retirement projections, protection gap — are computed locally in your browser using JavaScript. No server-side computation occurs.
•Optional draft saving — if you click "Save draft" in the form, your inputs are stored in your browser's localStorage on this device only. This data never leaves your device. You can delete it at any time using the "Clear" button in the form, or by clearing your browser's site data. No cookies or sessionStorage are used.
•Share links — when you copy a shareable link, your inputs are Base64-encoded into the URL hash (the #... fragment). Browsers never include the hash in HTTP requests, so the server never sees your data. Decoding happens entirely in the recipient's browser.

What leaves your browser

The following table lists every category of outbound network request this site makes.

What	When	Why	Can you opt out?
Anonymous error signal	Only if the app crashes with an unhandled error	Lets us detect broken states without seeing any of your data. A single HTTP POST to `/api/error-count` is sent — no payload, no personal data.	Yes — use a modern browser, or block requests to `/api/error-count` in an ad-blocker
“Notify me” email signup	Only if you submit the “Get early access” form	Sends your email address to our mailing-list provider (Formspree) so we can notify you of updates. Your financial inputs are never included.	Yes — don't submit the form. If you did, unsubscribe via any email we send or email us.
Analytics (Google Analytics)	On every page load, if analytics is enabled	When `NEXT_PUBLIC_GA_ID` is configured, Google Analytics loads to measure aggregate page visits. Only standard anonymised telemetry (page URL, referrer, approximate location from IP) is sent — your financial inputs are never included and never reach Google.	Yes — use an ad-blocker or browser with built-in tracker protection (e.g. Firefox, Brave). Analytics is not loaded on calculator or report pages if the environment variable is unset.
Page assets (HTML, JS, CSS, fonts)	On every page load	Standard delivery of the web app. Fonts are self-hosted on our domain — no third-party font CDN requests. The hosting provider may log standard access logs (IP, timestamp) for security, retained up to 90 days.	No — necessary to load the site

Cookies

Niyamfin itself sets no cookies. No session, persistent, first-party, or advertising cookies originate from our code. If Google Analytics is enabled (see table above), Google may set its standard _ga / _ga_*analytics cookies — these contain a random client ID and are not linked to your financial inputs. There are no advertising network scripts or tracking pixels. You can confirm this in your browser's DevTools → Application → Cookies.

Verify it yourself

You don't have to take our word for it. To inspect every network request the page makes:

1.Open DevTools in your browser (F12 or right-click → Inspect).
2.Go to the Network tab and reload the page.
3.Filter by Fetch/XHR. You should see no requests while using the calculator — only the initial page-load assets (JS bundles, CSS) which carry no personal data.
4.If a crash occurs, you may see a single POST to /api/error-count — inspect its payload and you will find it is empty.

Questions? See the full Privacy Policy or email hello@niyamfin.com.

Last updated: 28 June 2026

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