Privacy Policy

Last Updated: July 2, 2026

FinToku is operated by Sanestix (Pvt) Ltd, a private limited company registered in Pakistan, trading as “FinToku” (“FinToku,” “we,” “us,” or “our”), and includes the website fintoku.com (the “Site”) along with all financial calculators, tools, and blog content made available on the Site (collectively, the “Services”). This Privacy Policy explains what information we collect, how we use it, and the choices you have. This policy is written to comply with U.S. privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), the California Online Privacy Protection Act (CalOPPA), and the Children’s Online Privacy Protection Act (COPPA).

By using the Site, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

a) Information You Provide Directly If you contact us, subscribe to a newsletter, or submit a form, we may collect your name, email address, and any message content you provide. We do not require you to create an account, and our calculators (EMI, SIP, FD, Tax, Currency Converter, Loan Comparator, etc.) process your inputs locally in your browser — we do not store the financial figures you enter into these tools on our servers unless explicitly stated on that tool’s page.

b) Information Collected Automatically When you visit the Site, we and our third-party partners automatically collect certain information, including:

  • IP address and approximate geographic location
  • Browser type, device type, and operating system
  • Pages visited, time spent on pages, and referring URLs
  • Cookie and advertising identifiers

c) Cookies and Similar Technologies We use cookies, web beacons, and similar tracking technologies to operate the Site, remember preferences, and serve relevant advertising. This includes:

  • Google Analytics — to understand aggregate traffic and usage patterns.
  • Google AdSense / Google Ad Manager — to serve advertisements, including personalized ads based on your visits to this and other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to this Site and/or other sites on the Internet.

You can opt out of personalized advertising by visiting Google Ads Settings or the Digital Advertising Alliance opt-out page. You can also disable cookies generally through your browser settings, though this may affect Site functionality.

2. How We Use Information

We use the information we collect to:

  • Operate, maintain, and improve the Services
  • Analyze usage trends and Site performance
  • Serve and measure the performance of advertising
  • Respond to inquiries sent through our contact form
  • Detect, prevent, and address technical issues, fraud, or abuse
  • Comply with legal obligations

3. How We Share Information

We do not sell your personal information for money. We may share information with:

  • Service providers who perform functions on our behalf (e.g., hosting, analytics, email delivery), under confidentiality obligations
  • Advertising partners, including Google, who may use cookies/device identifiers to serve ads (see Section 1c)
  • Legal authorities, where required by law, subpoena, or to protect our rights, users, or the public
  • A successor entity, in the event of a merger, acquisition, or sale of assets

4. Your Privacy Rights

California Residents (CCPA/CPRA): If you are a California resident, you have the right to:

  • Know what personal information we collect, use, and disclose
  • Request deletion of personal information we hold about you
  • Correct inaccurate personal information
  • Opt out of the “sale” or “sharing” of personal information (as those terms are defined under CCPA/CPRA) — note that our use of advertising cookies may constitute “sharing” for cross-context behavioral advertising purposes
  • Non-discrimination for exercising your privacy rights

To exercise these rights, contact us at info@fintoku.com. We will verify your request using the information available to us before responding.

Other U.S. States: Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws have similar rights, which we honor consistently across the Services regardless of your state of residence.

Do Not Track: Our Site does not currently respond to “Do Not Track” browser signals, but you may use the opt-out mechanisms described in Section 1c.

5. Children’s Privacy (COPPA)

The Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will delete it promptly. If you believe a child has provided us with personal information, contact us at info@fintoku.com.

6. Data Retention

We retain information only as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Third-Party Links

The Site may contain links to third-party websites (including financial institutions, product providers, or resources referenced in our guides). We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review their privacy policies independently.

9. International Visitors

The Site is operated by Sanestix (Pvt) Ltd from Pakistan and is primarily intended for a U.S. audience. If you access the Site, you understand that your information may be transferred to, stored, and processed in Pakistan and other countries where our service providers operate, which may have data protection laws different from those in your country of residence.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the “Last Updated” date at the top of this page. Continued use of the Site after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Email: info@fintoku.com Business Name: Sanestix (Pvt) Ltd (operating the FinToku brand)