Privacy Policy

How Utilra processes calculator inputs, files, contact details and website usage data.

Last updated: October 13, 2026

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The short version: Core EMI, SIP and similar calculators are designed to process their inputs locally in your browser. Some file conversion and AI features send files to servers for processing; contact forms and analytics also process data. We may display Google AdSense advertisements after approval. Details are explained below.

1. Who We Are

Utilra (utilra.com) is a free online tools platform providing financial calculators, PDF utilities, and image tools. If you have questions about this policy, contact us at hello@utilra.com.

2. Information We Collect

Browser-based tools: Core calculators (such as EMI and SIP) and selected text/image tools process inputs in your browser. Not every Utilra feature is browser-only: check the individual tool description before uploading sensitive documents or images.

Server-processed files: Some PDF conversion and AI background removal features upload selected files to our processing infrastructure over HTTPS to produce requested results. Other tools may process files locally. We do not use uploaded content for advertising targeting. Avoid uploading confidential files unless you are comfortable with the processing described here. For retention and deletion details for a specific tool, contact us before uploading; storage and operational logs require separate verification.

Usage data: We use Google Analytics to collect site usage signals such as pages viewed, interactions, device/browser details and approximate geographic information. Cookies and other identifiers may be used; such data is not necessarily anonymous in every context.

Contact information: If you email us or submit the contact form, your name (if supplied), email, message and relevant form data are processed for support. The website contact form submits information to Formspree, a third-party form provider.

3. Cookies

We use the following categories of cookies:

  • Analytics cookies — Google Analytics uses cookies to help us understand how visitors use the site. Analytics data may include identifiers. You can opt out via the Google Analytics Opt-out Add-on.
  • Advertising cookies — If and when Google AdSense advertising is enabled, Google may use cookies or other identifiers to deliver and measure ads, subject to applicable consent requirements. You can manage ad personalisation at Google Ad Settings. We comply with Google's Publisher Policies.

You can control cookie settings in your browser. Blocking cookies may affect some site functionality.

4. How We Use Information

We use the data we collect to:

  • Operate and improve the Utilra platform
  • Understand which tools are most useful to our users
  • Respond to support enquiries
  • Display and measure advertising if Google AdSense is enabled
  • Comply with legal obligations

We do not sell your data to third parties. We do not use your data for automated decision-making that produces legal or significant effects.

5. Third-Party Services

We use the following third-party services that may process data on our behalf:

  • Google Analytics — website analytics (Google LLC, USA)
  • Google AdSense — advertising, if enabled after site approval (Google LLC, USA)
  • Formspree — contact-form submissions
  • Google Tag Manager — tag management (Google LLC, USA)
  • Amazon Web Services (AWS) — hosting infrastructure
  • Cloudflare — DNS and performance

These services are governed by their own privacy policies. Review the privacy documentation of these services for information about their processing locations, safeguards and data transfer practices.

6. Affiliate Links

Some pages may contain affiliate links to financial products or services. We may receive a commission if you apply or purchase through such links. Affiliate relationships do not influence the accuracy of our calculator results.

7. Children's Privacy

Utilra is not directed at children under the age of 13. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us at hello@utilra.com and we will delete it promptly.

8. Data Retention

Some tools process files temporarily through third-party or server-based infrastructure. Exact deletion intervals, backups and operational log retention depend on the processing service and must be checked before a time-specific guarantee can be given. Contact us to ask about a particular tool or deletion request. Support messages and analytics data are retained according to our configured provider settings and applicable obligations.

9. Your Rights

Depending on your location, you may have rights under applicable data protection law including the right to access, rectify, or delete personal data we hold about you. To exercise privacy rights or ask about a particular upload or message, email hello@utilra.com.

10. Changes to This Policy

We may update this policy from time to time. The "Last updated" date at the top of this page will reflect any changes. Changes will be described here with a revised update date where appropriate.

11. Contact

For any privacy-related questions, email us at hello@utilra.com.