Privacy Policy — LastEMI

LastEMI ("we", "us", "our") operates the website lastemi.com. This Privacy Policy explains how we collect, use, and protect your information when you use our services.

Information We Collect

Information you provide

Account information — name and email address when you sign in with Google or email magic link
Loan data — loan details you add to your dashboard (amount, interest rate, tenure, lender name)
Payment information — processed securely by Razorpay. We never store your card or bank details.

Information collected automatically

Usage data — pages visited, calculator inputs (anonymous), and feature usage via Google Analytics
Device data — browser type, operating system, and screen size for improving the experience
Cookies — authentication session cookies and analytics cookies

How We Use Your Information

To provide and maintain your loan dashboard
To calculate EMI schedules, payoff strategies, and tax benefits
To send transactional emails (login links, payment receipts)
To send monthly loan summary emails (Pro users, opt-out available)
To improve our calculators and user experience

What We Never Do

We never sell your personal data to third parties
We never share your loan details with banks, DSAs, or lenders
We never capture your phone number for referrals
We never access your bank accounts or credit score

Third-Party Services

We use the following third-party services:

Google OAuth — for account sign-in
Resend — for sending transactional emails
Razorpay — for payment processing (Pro subscriptions)
Google Analytics — for anonymous usage analytics
MongoDB Atlas — for secure data storage

Each service has its own privacy policy. We only share the minimum data required for each service to function.

Data Storage and Security

Your data is stored on MongoDB Atlas servers with encryption at rest and in transit. We use JWT-based session tokens and HTTPS for all communications. We do not store passwords — authentication is handled via Google OAuth and email magic links.

Data Retention

Your account and loan data is retained as long as your account is active. If you delete your account, all associated data is permanently removed within 30 days. Calculator usage on public pages (without sign-in) is not stored on our servers.

Your Rights

Access — view all your data from your dashboard
Export — download your loan data as PDF or Excel
Delete — request complete account deletion by emailing us
Opt-out — unsubscribe from emails at any time

Cookies

We use essential cookies for authentication (keeping you logged in) and analytics cookies (Google Analytics) to understand how our calculators are used. You can disable analytics cookies in your browser settings without affecting core functionality.

Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated date. Continued use of LastEMI after changes constitutes acceptance of the updated policy.

Contact

Questions about this privacy policy? Email us at privacy@lastemi.com