Last updated: 4 September 2026. This policy explains what KarzMap processes and why.
The free calculator on this website runs in your browser. In the current version, the salary, expense and debt values you type into the free calculator are not submitted to a KarzMap server and are not sent to analytics tools.
If you buy the paid service and explicitly submit a case, we may process information such as your name, contact details, salary date, income, household essentials, debt balances, EMIs/minimum dues, due dates, loan/card names, APR/charges if provided, and the personal question you ask us. Optional documents may include KFS, repayment schedules, card statements or loan screenshots.
We use paid-case information only to prepare, review, deliver and support the requested Karz Rescue Kit; process payment/support records; prevent abuse; and meet applicable accounting, legal or regulatory obligations.
Do not send KarzMap your OTP, UPI PIN, ATM PIN, card PIN, CVV, internet-banking password, or any authentication secret. We do not need them.
Payment processing, website hosting, email/communication and secure file-storage providers may process limited information necessary to provide their service. KarzMap does not sell personal financial data to lenders or advertisers.
Our beta policy is to delete raw paid-case financial data and uploaded case documents within 30 days after report delivery unless you ask us to retain them for a specific follow-up. Payment, invoice and accounting records may be retained longer where required for legitimate business or legal purposes.
You may ask to correct or delete paid-case information, withdraw consent for future processing, or ask a privacy question by emailing support@karzmap.in. Withdrawal cannot undo processing already necessary to complete a service you requested, but we will stop optional future processing.
KarzMap is intended for adults aged 18 or older.
We use reasonable technical and organisational safeguards appropriate to a small digital service. No internet service can promise absolute security; therefore we minimise collection and do not request authentication secrets.
We may update this policy as the product or applicable Indian data-protection requirements evolve. The date at the top will be updated.
KarzMap Rescue Kit beta price is ₹199. Our current Razorpay.me page asks you to enter the amount, so please enter ₹199 exactly.
Payment name: KarzMap is currently operated as an unregistered individual business. Razorpay or your bank may show the proprietor's verified legal/PAN name JITESH SETH on some payment screens, SMS or statements. This does not change the product price or delivery.