Privacy Policy

Welcome to Stock Charcha (www.stockcharcha.in). Your trust is the foundation on which we are building this platform, and we take that seriously. This Privacy Policy explains, in plain language, what information we come across when you visit our site, how it is used, and the choices you have.

By using www.stockcharcha.in, you agree to the practices described below. If you do not agree, we would encourage you to stop using the site and reach out to us with your concerns.

1. Who We Are

Stock Charcha is an independent, educational platform built for Indian investors and traders. We publish financial calculators, market education content, and research style articles to help readers make sense of personal finance, not to replace professional advice.

Stock Charcha is not registered with SEBI and does not provide investment, trading, or financial advisory services. Everything on this site is for educational and informational purposes only.

2. A Quick Summary

3. Information We Collect

We separate what we collect into three broad categories.

3.1 Information You Choose to Share

This includes your name, email address, or any message content you submit through our Contact Us page, newsletter sign up, or comment sections. We collect this only when you actively provide it.

3.2 Information Collected Automatically

When you browse Stock Charcha, certain technical details are logged automatically by our hosting provider and analytics tools, such as:

• Browser type and version
• Device type (mobile, desktop, tablet)
• Approximate location (city or region level, derived from IP address)
• Pages visited, time spent, and referring website
• General interaction data (clicks, scroll depth) used in aggregate, anonymised form

3.3 Calculator Inputs: What We Deliberately Do Not Collect

Our calculator tools (SIP calculator, stock return calculator, income tax calculator, salary calculator, brokerage and STT calculators, STCG/LTCG calculators, and the rest of our growing library) are built to run client side, inside your own browser. The figures you type in, your salary, your investment amount, your tax bracket, are processed locally on your device to generate a result and are not sent to, logged by, or stored on Stock Charcha’s servers. We built it this way deliberately, because your financial numbers are yours alone.

4. How We Use Information

Where we do collect data (sections 3.1 and 3.2 above), it is used to:

• Operate and improve the website’s performance, layout, and content
• Understand which articles, calculators, and categories readers find most useful
• Respond to queries sent through our contact form
• Send newsletters or updates, but only if you have explicitly opted in
• Serve relevant advertising through Google AdSense
• Measure how our content performs across social and ad campaigns (Meta Pixel)
• Meet legal, regulatory, or law enforcement obligations where applicable

5. Cookies and Tracking Technologies

Cookies are small text files stored on your device. Stock Charcha uses the following categories:

You can disable cookies entirely through your browser settings. Doing so may limit some site features, such as remembering your preferences, but the site, including the calculators, will continue to function.

6. Third Party Services We Use

We rely on the following third party tools to run and sustain Stock Charcha. Each operates under its own privacy policy, which we encourage you to review.

6.1 Google Analytics

Used to understand aggregate traffic trends: which pages are read, how long visitors stay, and which devices they use. Data is processed by Google in accordance with the Google Privacy Policy. You can opt out using the Google Analytics Opt-out Browser Add-on.

6.2 Google AdSense

We display ads through Google AdSense. Google and its partners may use cookies, including the DoubleClick cookie, to serve ads based on your visits to this and other sites. You can manage ad personalisation at Google Ads Settings and learn more at Google’s advertising policy page. Stock Charcha is a participant in the Google AdSense program, and ad revenue helps us keep our calculators and content free for every reader.

6.3 Meta Pixel

We use Meta Pixel (Facebook Pixel) to measure the effectiveness of content shared or promoted on Facebook and Instagram, and to understand how visitors arriving from those platforms interact with our site. Meta may use this data in line with their Data Policy. You can control ad preferences through your Facebook Ad Settings.

6.4 Other Tools

We may use email delivery services for newsletters, hosting and CDN providers, and standard WordPress plugins for site functionality. None of these are used to sell or trade your personal data.

Industry wide opt-out resources:

• Digital Advertising Alliance (DAA)
• Network Advertising Initiative (NAI)
• Your Online Choices (EU)

7. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information under any circumstances.

We may share limited data only in these situations:

• With the third party service providers listed in Section 6, strictly for the purposes described
• If required by Indian law, court order, or government directive
• To protect the rights, safety, or property of Stock Charcha, our readers, or the public

8. Data Security

We apply reasonable technical and organisational measures, including secure hosting, HTTPS encryption, and restricted access, to protect any information we do collect. That said, no system connected to the internet can be guaranteed 100 percent secure, and we encourage you to practice safe browsing habits as well.

9. Data Retention

• Contact form submissions and newsletter sign ups are retained only as long as necessary to respond to you or deliver the service you opted into, after which they may be deleted or anonymised.
• Analytics and advertising data is retained according to the respective retention windows of Google Analytics and Google AdSense, generally governed by Google’s own policies.
• Calculator inputs, as noted earlier, are never retained in the first place. They exist only in your browser session.

10. Your Rights and Choices

You have meaningful control over your data:

• Access and correction: You can request details of any personal information we hold about you, for example if you have emailed us or subscribed to our newsletter, and ask for corrections.
• Deletion: You can request deletion of personal data we hold, subject to legal retention requirements.
• Opt-out: You can unsubscribe from newsletters at any time using the link in the email, or by writing to us.
• Cookie control: You can disable or clear cookies from your browser settings at any time.
• Ad personalisation: You can turn off personalised advertising through Google Ads Settings and Meta’s ad preferences.

To exercise any of these rights, email us at stockcharcha.in@gmail.com.

11. Children’s Privacy

Stock Charcha does not knowingly collect personal information from children under 13, or the applicable age of digital consent in your jurisdiction. If we become aware that we have inadvertently collected such information, we will delete it promptly. If you believe a child has provided us with personal data, please contact us immediately.

12. Educational Purpose Only: Not Financial Advice

Everything published on Stock Charcha, including articles, calculators, and market commentary, is intended purely for educational and informational purposes.

• Stock Charcha is not a SEBI-registered investment advisor.
• Nothing on this site constitutes financial, investment, trading, or tax advice.
• Calculator outputs are indicative and based on the inputs and assumptions you provide. They are not guarantees of real world returns.

Before making any investment or financial decision, please consult a SEBI-registered financial advisor. Your financial decisions remain your own responsibility.

13. International Visitors

While Stock Charcha is built primarily for Indian readers, our content is accessible globally. If you are visiting from outside India, please note your information may be processed in India or by third party services, such as Google and Meta, that operate internationally under their respective privacy frameworks.

14. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, new tools we adopt, or legal requirements. The “Last Updated” date at the top of this page will always reflect the most recent revision. We encourage you to review this page occasionally.

15. Contact Us

Stock Charcha is built to make financial literacy accessible to every Indian investor, and that starts with being transparent about how we treat your data.