गोपनीयता नीति २०८१ | तपाईंको डाटा सुरक्षा - SanoLagani

Privacy Policy — SanoLagani

Last Updated: April 2026

At SanoLagani ("we", "our", or "us"), we are committed to protecting your privacy and ensuring you have a positive experience on our website (https://sanolagani.com) and while using our financial tools. This Privacy Policy explains what information we collect, how we use it, and what rights you have regarding your data.

By accessing or using SanoLagani, you agree to the practices described in this policy. If you do not agree, please discontinue use of our services.

Information We Collect

We collect only the information necessary to provide, improve, and secure our services. This includes:

1. Information You Provide Directly

• Contact Information: When you reach out to us via email, phone, or WhatsApp, we may collect your name, email address, phone number, and message content.
• Calculator Inputs: When you use our financial tools (Tax Calculator, SIP Planner, EMI Calculator, etc.), the numbers you enter (income, savings, loan amount, etc.) are processed locally in your browser. If you choose to save a plan using our /r/{token} feature, only anonymized, aggregated results are stored — never your raw personal identifiers.
• Feedback & Surveys: Voluntary responses to user experience surveys or feature request forms.

1. Information Collected Automatically

• Usage Data: Pages you visit, time spent on tools, features you interact with, and click patterns. This helps us understand which tools are most valuable and where we can improve.
• Device & Technical Information: Browser type, operating system, IP address (anonymized), device type, and approximate location (country-level only). This ensures our site works correctly across different devices and helps detect fraudulent activity.
• Cookies & Similar Technologies: We use essential cookies to maintain your session and analytics cookies to measure site performance. You can manage cookie preferences through your browser settings.

1. Information from Third-Party Sources

• Financial Data Sources: We aggregate publicly available financial data from Nepal Rastra Bank (NRB), Nepal Stock Exchange (NEPSE), Inland Revenue Department (IRD), SEBON, and verified bank bulletins. This data is non-personal and used solely for display in our tools.
• Analytics Providers: We use industry-standard tools (such as Google Analytics) to understand regional traffic flow and site performance. These services collect anonymized, aggregated data and do not identify individual users.

How We Use Your Information

We use the information we collect for the following legitimate purposes:

• To Provide and Maintain Our Services: Process your calculator inputs, generate shareable plan links, and ensure core site functionality.
• To Improve User Experience: Analyze usage patterns to optimize tool design, fix bugs, and prioritize new features based on real user needs.
• To Ensure Security and Prevent Fraud: Monitor for suspicious activity, protect against unauthorized access, and maintain the integrity of our platform.
• To Communicate With You: Respond to your inquiries, send important service updates (e.g., maintenance notices), and share relevant financial insights if you've opted in.
• To Comply with Legal Obligations: Meet requirements under Nepalese law, including the Electronic Transactions Act 2063 and emerging data protection guidelines.

We do not sell, rent, or trade your personal information to third-party advertisers or data brokers. Ever.

Cookies and Tracking Technologies

Cookies are small text files stored on your device to help websites remember your preferences and actions. We use:

• Essential Cookies: Required for core functionality (e.g., keeping you logged in during a session, remembering language preferences). These cannot be disabled without affecting site performance.
• Analytics Cookies: Help us understand how visitors interact with our tools (e.g., which calculators are used most, where users drop off). Data is aggregated and anonymized.
• Functional Cookies: Enable enhanced features like saving your plan token or remembering your preferred currency format.

You can manage cookie preferences through your browser settings. Please note that disabling essential cookies may limit your ability to use certain features of SanoLagani.

Third-Party Services and Data Sharing

We may share information with trusted third parties only in the following circumstances:

• Service Providers: Companies that help us operate our platform (e.g., hosting providers, email delivery services, analytics platforms). These partners are contractually required to protect your data and use it only for the services we request.
• Legal Requirements: If required by law, regulation, or valid legal process, we may disclose information to government authorities or law enforcement agencies in Nepal.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the transaction. We will notify you via email or prominent notice on our site before any such transfer occurs.

We do not share your personal financial inputs, calculator results, or contact details with advertisers, data brokers, or unrelated third parties.

Data Security Measures

We implement industry-standard technical and organizational measures to protect your information:

• Encryption: All data transmitted between your browser and our servers is encrypted using HTTPS/TLS.
• Access Controls: Only authorized team members with a legitimate need can access user data, and all access is logged and audited.
• Regular Security Reviews: We conduct periodic vulnerability assessments and update our systems to address emerging threats.
• Data Minimization: We collect only what is necessary and retain personal information only as long as needed for the purposes described in this policy.

While we strive to protect your data, no method of electronic transmission or storage is 100% secure. If you believe your interaction with us is no longer secure, please contact us immediately.

Your Rights and Choices

Under Nepalese law and global best practices, you have the following rights regarding your personal information:

• Right to Access: Request a copy of the personal information we hold about you.
• Right to Correction: Ask us to update or correct inaccurate or incomplete information.
• Right to Deletion: Request deletion of your personal data, subject to legal retention requirements.
• Right to Object: Opt out of non-essential communications (e.g., marketing emails) at any time.
• Right to Portability: Receive your data in a structured, machine-readable format.

To exercise any of these rights, please contact us at contact@sanolagani.com with the subject line "Privacy Request". We will respond within 30 days and may ask for verification to protect your account.

For saved plans created via our /r/{token} feature: You can request deletion of any plan associated with your email or phone number. Note that token-based links are anonymized; if you no longer have the token, please provide sufficient context to help us locate your data.

Children's Privacy

SanoLagani is not directed at individuals under the age of 16. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with information, please contact us so we can take appropriate steps to delete such data.

International Data Transfers

SanoLagani is operated from Nepal. If you access our services from outside Nepal, please be aware that your information may be transferred to, stored, and processed in Nepal, where data protection laws may differ from those in your jurisdiction. We ensure appropriate safeguards are in place to protect your information regardless of location.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we do, we will:

• Update the "Last Updated" date at the top of this page.
• Post a prominent notice on our homepage for significant changes.
• For material changes affecting how we use your personal data, we may notify you via email or in-app message.

We encourage you to review this policy regularly to stay informed about how we protect your information.

Contact Us for Privacy Concerns

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Privacy Officer:

Email: contact@sanolagani.com Subject Line: "Privacy Inquiry" Phone: +977-9769779421 Address: Kathmandu, Nepal

We are committed to resolving privacy concerns promptly and transparently. If you are not satisfied with our response, you may contact the relevant data protection authority in Nepal.

Disclaimer

This Privacy Policy is written in plain language to ensure clarity. However, it does not create any contractual rights or legal obligations beyond those required by applicable law. SanoLagani is not a financial institution, registered investment advisor, or legal firm. This policy governs our digital services only and does not cover third-party websites linked from our platform.

Thank you for trusting SanoLagani with your financial journey. We are honored to serve you with transparency, integrity, and respect for your privacy.