Privacy Policy and Disclaimer

Effective 19 October 2026. Short version: we collect nothing, and every number here is an estimate for you to confirm, not a final answer.

Not Financial, Tax or Legal Advice

CO₹PU$ is a calculator and a notebook. It is not a confirmation of your net worth, the tax you owe, a refund, your eligibility for a scheme, or the returns you will earn. Every figure is worked out from what you typed or imported, using the rules as they stood when they were last checked, and rules change with every budget.

  • Check before you act. Before you file a return, buy or sell an investment, take a loan, change insurance or make any decision with money, confirm the numbers with a qualified professional, the official source, or both.
  • Your documents win. If anything here disagrees with your payslip, tax statement, fund statement or bank, trust the official document.
  • No relationship. Using CO₹PU$ does not make anyone your adviser. We are not a registered investment adviser, tax agent, broker or insurer in any country.
  • No guarantee. The site is given as it is, without any warranty. We cannot accept responsibility for losses from relying on it.

For Your Country

Who to check with, the official sources, and the privacy law that applies where you live.

India

Who to Check With

  • Investments: a SEBI registered investment adviser. Check the registration number on the SEBI website (sebi.gov.in, under recognised intermediaries).
  • Tax: a chartered accountant, and your own Form 26AS and AIS on the income tax e-filing portal, which are the records the department uses.
  • Insurance: an IRDAI licensed agent or broker, and the policy wording itself.
  • Government schemes and scholarships: the official scheme website, your bank or post office, since eligibility and rates change.

Official Sources

Income Tax Department (incometax.gov.in), Reserve Bank of India, SEBI, IRDAI and the official portal of each scheme.

Your Privacy Law

The Digital Personal Data Protection Act, 2023 and the DPDP Rules, 2025, which are being brought into force in phases. Because CO₹PU$ never receives your personal data, it does not act as a data fiduciary for it; your data stays with you.

If a Financial Firm Lets You Down

RBI Integrated Ombudsman for banks and NBFCs, SEBI SCORES for brokers and funds, and Bima Bharosa for insurers. The Disputes page has the steps.

United States

Who to Check With

  • Tax: a CPA or an IRS enrolled agent. State and local taxes vary a lot; the calculator uses one flat state rate that you type in, which is only an approximation.
  • Investments and planning: a CFP professional (verify at cfp.net) or a registered investment adviser (check on the SEC’s Investment Adviser Public Disclosure site). Check brokers on FINRA BrokerCheck.
  • Retirement accounts: your plan administrator for your actual 401(k) limits, match and vesting.

Official Sources

IRS.gov for federal tax, your state’s revenue department, and SSA.gov for Social Security.

Your Privacy Law

There is no single federal privacy law for websites; state laws such as the California Consumer Privacy Act apply to businesses that collect personal information. CO₹PU$ collects none, and never sells or shares any.

If a Financial Firm Lets You Down

The Consumer Financial Protection Bureau takes complaints about banks, cards and loans.

United Kingdom

Who to Check With

  • Investments and pensions: an FCA authorised financial adviser. Check them on the FCA Register before you pay for advice.
  • Free, impartial guidance: MoneyHelper, and Pension Wise if you are 50 or over with a defined contribution pension.
  • Tax: a chartered tax adviser or a qualified accountant. The calculator uses the rates for England, Wales and Northern Ireland; Scottish income tax bands are different.

Official Sources

GOV.UK and HMRC for tax and National Insurance, and your personal tax account for your real tax code.

Your Privacy Law

The UK GDPR and the Data Protection Act 2018, as amended by the Data (Use and Access) Act 2025. The regulator is the Information Commissioner’s Office. Since no personal data reaches us, there is nothing for us to access, correct or erase; you control it all in Settings.

If a Financial Firm Lets You Down

Complain to the firm first, then to the Financial Ombudsman Service. Report scams to Report Fraud.

Canada

Who to Check With

  • Tax: a CPA. Ontario, British Columbia and Alberta rates are built in; other provinces are approximate, and Quebec residents file a separate provincial return with Revenu Québec.
  • Planning: a CFP or QAFP professional (FP Canada). In Ontario and Saskatchewan the title “financial planner” is protected.
  • Investments: check that an adviser or dealer is registered with the Canadian Securities Administrators’ National Registration Search.

Official Sources

The Canada Revenue Agency on canada.ca, and My Account for your real RRSP and TFSA room.

Your Privacy Law

PIPEDA, overseen by the Office of the Privacy Commissioner of Canada, plus provincial laws such as Quebec’s Law 25. CO₹PU$ collects no personal information.

If a Financial Firm Lets You Down

The Ombudsman for Banking Services and Investments (OBSI), and the Financial Consumer Agency of Canada.

Australia

Who to Check With

  • Financial advice: an adviser listed on the Financial Advisers Register on Moneysmart (ASIC).
  • Tax: a registered tax agent. Check them on the Tax Practitioners Board register.
  • Super: your fund, for your real balance, insurance inside super and contribution caps.

Official Sources

The ATO (ato.gov.au), myGov for your tax and super records, and Moneysmart for free guidance.

Your Privacy Law

The Privacy Act 1988 and the Australian Privacy Principles, overseen by the OAIC. CO₹PU$ collects no personal information.

If a Financial Firm Lets You Down

The Australian Financial Complaints Authority (AFCA), which is free for consumers.

Singapore

Who to Check With

  • Financial advice: a licensed or exempt financial adviser representative. Check them on the MAS Register of Representatives.
  • Tax: IRAS and myTax Portal for your actual assessment, or a tax professional for complex cases.
  • CPF: the CPF Board for your real contribution rates, which depend on age and residency.

Official Sources

IRAS (iras.gov.sg), the CPF Board (cpf.gov.sg) and MoneySense for free guidance.

Your Privacy Law

The Personal Data Protection Act 2012, overseen by the Personal Data Protection Commission. CO₹PU$ collects no personal data.

If a Financial Firm Lets You Down

The Financial Industry Disputes Resolution Centre (FIDReC).

United Arab Emirates

Who to Check With

  • Investments: an adviser licensed by the Capital Market Authority (formerly the SCA) on the mainland, the DFSA in DIFC, or the FSRA in ADGM.
  • Tax: there is no personal income tax, but business income can bring corporate tax. Use an FTA registered tax agent for that.
  • End of service gratuity: your contract and MOHRE. Free zones such as DIFC and ADGM have their own rules and savings schemes.

Official Sources

The Federal Tax Authority (tax.gov.ae), MOHRE and the Central Bank of the UAE.

Your Privacy Law

Federal Decree Law No. 45 of 2021 on personal data protection, with separate data protection laws in DIFC and ADGM. CO₹PU$ collects no personal data.

If a Financial Firm Lets You Down

Complain to the bank or insurer first, then to Sanadak, the independent unit for banking and insurance complaints.

New Zealand

Who to Check With

  • Financial advice: a financial advice provider licensed by the FMA. Check them on the Financial Service Providers Register.
  • Tax: a chartered accountant or a registered tax agent.
  • KiwiSaver: your provider, for your real balance, contribution rate and government contribution.

Official Sources

Inland Revenue (ird.govt.nz), myIR, and Sorted for free guidance.

Your Privacy Law

The Privacy Act 2020, overseen by the Office of the Privacy Commissioner. CO₹PU$ collects no personal information.

If a Financial Firm Lets You Down

The firm’s dispute resolution scheme, such as the Banking Ombudsman Scheme, FSCL, IFSO or FDRS.

What We Collect

Nothing. CO₹PU$ has no server, database, account system, analytics, advertising or tracking pixels, and sets no cookies.

Where Your Data Lives

What you enter is saved in your browser’s local storage on your own device, under these keys: corpus_data_v1 (your entries, settings and any price keys), corpus_theme (light or dark), corpus_privacy (the hide amounts switch) and corpus_undo_v1 (a copy kept for one level of undo after an import). Live price lookups may also be cached by your browser. You can erase everything from Settings, or by clearing this site’s data in your browser.

Documents You Import

Files you drop on the Import page are opened in memory inside the browser tab and released when you leave the page. They are never uploaded and never stored, not even in local storage. Only the figures you approve are saved, such as net pay or fund units. Passwords for locked PDFs are used once to open the file and are not kept. Identity numbers such as PAN, SSN, National Insurance, SIN, TFN, NRIC, bank account and folio numbers are ignored.

PDF Reports and Backups

When you download a PDF report or a backup file, it is created on your device and saved where you choose. It contains your financial figures, so store and share it with care. A backup file also contains any price keys you added.

Price Services and API Keys

Only when you press a refresh button, your browser contacts the price services listed on the About page. These requests contain a fund code, ticker, metal or currency pair, never amounts or holdings. Those services have their own privacy policies. If you add an Alpha Vantage, Finnhub or EODHD key, it is stored only in your browser and sent only to that service, as the service requires.

Hosting

Whoever hosts this copy of the site may keep standard server logs, such as IP address and pages requested, like any website. Those logs never contain your financial data, because that data is never sent.

Your Rights

Privacy laws give you the right to see, correct and delete your personal data. With CO₹PU$ you already hold all of it: view and edit it in the app, download it from Settings, and erase it from Settings or your browser at any time.

Children

The site does not knowingly collect information from anyone, including children.

Changes

If this policy changes, the effective date above will change with it.