Privacy Policy & Legal Notice

1. Intellectual Property & Copyright

All content on CalVerse.co — including but not limited to financial calculators, blog articles, written content, HTML/CSS/JavaScript code, design system, colour schemes, layout, brand name "CalVerse", domain calverse.co, logo, and all associated assets — is the exclusive intellectual property of Akshay Potnis, India (Owner, CalVerse).

This website and all its content is protected under:

• The Copyright Act, 1957 (India) — original literary, artistic and software works
• The Information Technology Act, 2000 (India) — digital content and software protection
• The Trade Marks Act, 1999 (India) — brand name and logo protection
• International copyright treaties including the Berne Convention
• DMCA (Digital Millennium Copyright Act) — for US-based infringement claims

What Is Protected

• All calculator logic, formulas and user interface code (HTML, CSS, JavaScript)
• All blog articles, written content and educational material
• The CalVerse brand name, logo and visual identity
• The website design, layout, colour system and typography choices
• The cv-global.js script and all shared assets
• The overall concept and execution of the CalVerse platform

Permitted Use

• Personal, non-commercial use of the calculators on calverse.co
• Sharing links to calverse.co pages on social media or websites
• Quoting brief excerpts (under 50 words) with clear attribution and link back

Prohibited Use

2. DMCA & Copyright Infringement Notice

If you believe any content on CalVerse infringes your copyright, please contact us at hello@calverse.co with full details of the alleged infringement.

If you discover that CalVerse content has been copied or reproduced without authorisation, please notify us immediately at hello@calverse.co. We take intellectual property violations seriously and will take appropriate action including DMCA takedown notices, legal proceedings and domain/hosting complaints.

3. Privacy Policy

CalVerse.co is committed to protecting your privacy. This section explains what data we collect and how we use it.

Data We Collect

• No account required — CalVerse does not require registration or login
• Calculator inputs — all calculation data stays in your browser locally and is never sent to our servers
• Usage data — Google Analytics may collect anonymised page views, device type and approximate location
• Advertising data — Google AdSense may use cookies to show relevant ads (see below)
• Contact emails — if you email hello@calverse.co, we retain that email to respond to you

Cookies

CalVerse uses the following cookies:

• cv-theme — stores your dark/light mode preference locally in your browser
• cv-bookmark-shown — remembers whether you have seen the bookmark prompt
• Google Analytics cookies — anonymised traffic analysis (_ga, _gid)
• Google AdSense cookies — used to serve relevant advertisements

Google AdSense & Advertising

CalVerse uses Google AdSense (publisher ID: ca-pub-5638097778009424) to display third-party advertisements on its pages. Google AdSense is operated by Google LLC. By using CalVerse, you may be served advertisements selected by Google based on your browsing history, interests, and other factors.

Google AdSense may use cookies, web beacons, and similar tracking technologies to:

• Serve ads relevant to your interests across websites that use Google advertising
• Limit the number of times you see the same ad
• Measure the effectiveness of advertising campaigns
• Understand how users interact with ads

CalVerse does not control which specific advertisements are shown, their content, or the targeting parameters used. Ads are served automatically by Google's systems. To opt out of personalised advertising, visit Google Ad Settings or aboutads.info. You can also manage cookies through your browser settings.

For more information on how Google uses data from sites that use its advertising services, see: Google's Privacy & Terms.

Third Party Links & Affiliates

CalVerse contains affiliate links (currently including Zerodha and Koinly). When you click an affiliate link and sign up or make a purchase, CalVerse may earn a commission at no additional cost to you. All affiliate relationships are disclosed clearly on the pages where they appear. Affiliate relationships do not influence the accuracy of calculators or the editorial content published on CalVerse.

Data Retention & Security

CalVerse does not store personal data on its servers. All calculator computations happen client-side in your browser. We do not sell, rent or share any user data with third parties except as required by Google Analytics and AdSense as described above.

4. Financial Disclaimer

All calculators and content on CalVerse are provided for educational and informational purposes only. CalVerse is not a registered financial advisor, tax consultant, investment advisor or legal professional.

5. Terms of Use

• By using CalVerse, you agree to these terms and our privacy policy
• You must not use CalVerse for any unlawful purpose
• You must not attempt to scrape, copy or reproduce CalVerse content automatically
• You must not attempt to reverse engineer, decompile or copy CalVerse's calculator code
• CalVerse reserves the right to modify or discontinue any part of the service at any time
• These terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in India

6. Contact & Legal Notices

For privacy concerns, copyright notices, permissions, business enquiries or legal matters: