Privacy Policy

At GST Calculator by XESTUS ("we", "our", or "us"), protecting the financial privacy and confidentiality of our users is the core architectural principle upon which our platform is engineered.

This Privacy Policy explains how information is handled when you access and use our website and web applications hosted at gst.xestus.in and related subdomains, in full compliance with:

• India's Digital Personal Data Protection (DPDP) Act, 2023
• The General Data Protection Regulation (GDPR - Regulation (EU) 2016/679)
• The California Consumer Privacy Act (CCPA / CPRA)

1. The 100% In-Browser Execution Architecture

Unlike conventional software platforms, we do not collect, process, transmit, or store any of your financial data on our servers.

When you enter values into our GST Calculator, GST Invoice Generator, Income Tax Calculator, Loan EMI Amortizer, or SIP Wealth Planner:

• Every mathematical operation is executed solely inside your web browser’s local sandbox memory.
• No invoice line items, client names, GSTIN numbers, bank account details, or salary brackets are ever transmitted to or logged on any external server.
• Drafts saved via the "Save Draft" button in the Invoice Generator are stored strictly in your browser's local HTML5 localStorage database on your physical device.

2. Data We Do NOT Collect

• We do NOT collect your Aadhaar number, PAN card number, bank credentials, or tax return records.
• We do NOT sell, rent, monetize, or broker financial data to lending aggregators, credit bureaus, or marketing networks.
• We do NOT create shadow behavioral credit scores.

3. Contact the Data Protection Officer (DPO)