Privacy Policy

Last updated: October 2026

1. Zero-Database Architecture & Salary Privacy

At pension.landusers.in, we treat your employment and financial data with strict confidentiality. The Pension Calculator is engineered on a zero-database, client-side runtime model. All calculation routines—including service duration math, the 6-month rounding rule, 20-year bonus evaluation, and 60-month blended wage ceiling logic—run locally in your browser. Your salary numbers, joining dates, and exit dates are never transmitted to, monitored by, or stored on any external server or database.

2. Non-Collection of Government & EPFO Credentials

This application functions purely as a mathematical simulator. We do not ask for, collect, verify, or handle any sensitive government identifiers or authentication credentials, including your Universal Account Number (UAN), EPFO Member passbook passwords, OTPs, Aadhaar numbers, PAN details, or bank account information. You should never input confidential login credentials into any third-party estimation tool.

3. In-Browser PDF Generation & Memory Safety

When you download a Pension Analysis Report, the PDF document is synthesized directly inside your client environment using JavaScript memory buffers. No breakdown tables, computed pension values, or employment dates are sent to a cloud rendering service or stored remotely. Once the document is downloaded or your browser tab is closed, the in-memory state is discarded completely.

4. Cookies, Edge Telemetry & Advertising Networks

We do not sell, trade, or log your personal financial information. To maintain low-latency hosting and cover server overhead, this website uses standard edge performance infrastructure (such as Cloudflare caching) and may serve non-intrusive advertisements through partners like Google AdSense. These third-party providers may deploy standard cookies or web beacons to serve contextually relevant ads and analyze anonymous aggregate web traffic trends in compliance with standard privacy regulations.

5. Outbound Links & Ecosystem Navigation

This subdomain contains links returning to the root domain at landusers.in as well as potential links to official government resources (e.g., epfindia.gov.in). We are not responsible for the privacy protocols, terms, or data practices of any external third-party portals.

6. Policy Revisions

We reserve the right to amend this Privacy Policy as needed to reflect technological updates, statutory changes, or infrastructure enhancements. Revisions take effect immediately upon posting with a revised timestamp. Continued use of pension.landusers.in confirms your agreement to the updated privacy terms.