1. Who We Are

Ridhi.com is an Indian personal finance education website that publishes guides, calculators and explainers on salary, tax, loans, credit cards, insurance, savings, investments and financial planning.

2. Information We May Collect

The information we collect depends on how you use Ridhi.com. In most cases, you can read our articles without directly giving us personal information.

4. How We Use Information

We use information for legitimate website, communication, security, analytics and improvement purposes.

• To operate, maintain and improve Ridhi.com.
• To respond to messages, questions or support requests.
• To understand which articles, calculators and topics are useful to readers.
• To improve website speed, security, design and user experience.
• To detect spam, abuse, technical errors or suspicious activity.
• To show relevant advertisements or measure ad performance, where applicable.
• To comply with applicable legal, regulatory or security requirements.

5. Cookies, Analytics and Advertising

Like many websites, Ridhi.com may use cookies and similar technologies to remember preferences, measure traffic, improve pages and support advertising.

You can usually control cookies through your browser settings. Blocking some cookies may affect website functionality or reduce personalisation.

6. Third-Party Services

We may use third-party tools and service providers to host the website, measure traffic, protect against spam, display ads, manage forms, improve performance and understand content usage.

• Website hosting and security providers.
• Analytics services such as Google Analytics or similar tools.
• Advertising networks such as Google AdSense or similar ad partners, where enabled.
• WordPress plugins used for performance, SEO, forms, security or user experience.
• Email or contact form services used to receive and manage user messages.

These third parties may process information according to their own privacy policies. We recommend reviewing their policies if you interact with their services through Ridhi.com.

7. Comments, Forms and User Messages

If comments, forms or feedback features are enabled, the information you submit may be processed to respond to you, moderate spam, maintain website security and improve our content.

Please do not submit sensitive personal data, bank account details, passwords, OTPs, PAN, Aadhaar, card numbers or private financial documents through comments or contact forms.

8. Data Sharing

We do not sell your personal information as a standalone product. We may share limited information only where needed for website operation, analytics, advertising, security, legal compliance or service delivery.

• With service providers who help operate or secure the website.
• With analytics or advertising partners where such tools are enabled.
• When required by law, regulation, court order or lawful government request.
• To detect, prevent or respond to fraud, spam, abuse, security incidents or technical issues.
• In connection with a business transfer, website transfer, merger or restructuring, if applicable.

9. Data Retention

We keep information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer period is required for legal, security, accounting, dispute resolution or operational reasons.

Analytics data, logs, form submissions, email messages, comments and security records may have different retention periods depending on the tool, service provider and operational need.

10. Your Choices and Rights

Depending on applicable law and the nature of the information involved, you may have choices or rights related to your personal data.

To make a privacy-related request, please contact us through the Contact page and clearly mention the nature of your request.

11. Children’s Privacy

Ridhi.com is intended for general personal finance education and is not directed specifically at children. We do not knowingly collect personal information from children for targeted services.

If you believe a child has provided personal information to us through the website, please contact us so we can review and take appropriate action.

12. Data Security

We use reasonable technical and organisational measures to protect the website and reduce risks such as unauthorised access, misuse, spam, malware or data loss.

However, no website, hosting system, plugin, network or online transmission method can be guaranteed to be completely secure. You should avoid sharing sensitive information through public comments or unsecured channels.

13. External Links

Ridhi.com may link to external websites such as official portals, banks, insurers, regulators, financial institutions, calculators, tools, advertiser pages or third-party resources.

We are not responsible for the privacy practices, content, security or accuracy of external websites. Please review their privacy policies before sharing information with them.

14. International Processing

Some service providers used by Ridhi.com may process or store information on servers located outside India. By using the website, you understand that such processing may occur depending on the tools and providers used.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our website, tools, third-party services, legal requirements or privacy practices.

The updated version will be posted on this page with a revised “Last updated” date. Continued use of Ridhi.com after changes means you accept the updated policy.