Privacy Policy

DhanGyaan is an educational website. We don't ask you to sign up, we don't sell anything, and we don't build advertising profiles about you. The only thing we store on your device is your language preference (English or Hindi), so the site opens in the language you chose last time.

There is exactly one place where something leaves your device: the optional AI policy explainer on the insurance topic. The section below spells out what is sent, where it goes, and what happens to it.

Language preference: a single value ("en" or "hi") saved in your browser's localStorage when you use the हिन्दी/English toggle. It never leaves your device.

Quiz answers: our interactive quizzes and planners run entirely in your browser. Your answers are used to show your result on the screen and are not sent to, or stored on, our servers.

AI policy explainer: if you choose to use it, the policy text you paste is sent to an AI service so it can write an explanation for you. That is the only input on this site that leaves your browser, and the next section explains it in full.

That's it. We have no user accounts, no databases of visitor information, and no newsletter list on this site.

On the insurance topic there is an optional box called “Understand a policy you already have”. If you use it, the text you paste travels over an encrypted HTTPS connection from your browser to our server, and our server passes it on to an AI service — Lovable AI Gateway, which forwards the request to a large language model — so that model can read the wording and write back a plain-language explanation. Nothing is sent unless you press the “Explain my policy” button.

What we do with it: your text is used for that one explanation and for nothing else. DhanGyaan does not save it in a database, does not attach it to a profile about you, and does not use it for advertising. The explanation is streamed straight to your screen — if you press Stop or close the tab, the request simply ends. We send the request with an instruction that the AI provider should not store your text or use it to train its models, and our own server logs record only technical facts about a request (for example, that it failed), never the policy text itself.

What travels with it: if you filled in the insurance quiz on the same page, the numbers it produced — who depends on your income, family size, the cover amounts we suggested — go in the same request, so the explanation can compare your policy with your estimate. Those numbers are calculated in your browser and are sent only when you use this feature. Pasted text is capped at 20,000 characters, and we tell the model not to invent anything the text does not state.

What to keep back: while your text is with the AI service, that service's own terms and retention rules also apply, and no AI provider can offer a true zero-retention guarantee. So please remove your name, policy number, phone number, address, date of birth and any ID or account numbers before pasting — the box reminds you of this too. If you would rather send nothing at all, skip the box; the rest of the site works exactly the same.

Why we offer it at all: policy wording is genuinely hard to read, and a plain-language summary helps you walk into a conversation with your insurer with better questions. It is educational only — never a recommendation to buy, keep or cancel anything.

We don't sell, rent or trade your information — there is no personal information to sell.

We don't run third-party advertising or cross-site tracking pixels.

We don't ask for sensitive data — never share PAN, Aadhaar, bank details or passwords on this site. No form here will ever ask for them.

We don't use anything you paste into the AI policy explainer for advertising, and we don't build a profile, a marketing list or a resold dataset from it.

Fonts: this site loads the Inter typeface from Google Fonts. When your browser fetches a font, Google may see your IP address — that's standard for almost every website and outside our control.

Social media: our footer links to our Instagram, YouTube, LinkedIn and Facebook pages. Those platforms have their own privacy policies and apply them once you leave our site.

AI service: when you use the policy explainer on the insurance topic, your pasted text is sent through Lovable AI Gateway on to a large language model provider so it can write your explanation — the section above, “The AI policy explainer”, covers this in detail.

We don't set tracking cookies. The single localStorage entry for your language choice is the only browser storage we use, and you can clear it anytime from your browser settings (or by clearing site data for dhangyaan.com).

Our content is written for teens and adults learning about money. We don't knowingly collect any personal information from anyone, including children under 13 — because we don't collect personal information from anybody.

Since we hold no personal data about you, there's nothing to export, correct or delete on our side. If you ever believe we've mishandled information, write to us and we'll make it right.

If you used the AI policy explainer and are uneasy about what you pasted, that text is not held by us — you can simply stop using the feature. Clearing site data for dhangyaan.com removes the only thing we do keep on your device, your language choice.

If we ever add features that change this policy (say, accounts or a newsletter), we'll update this page and the date below before the feature goes live.