At Divyincome, we believe financial tools should be fast, transparent, and privacy‑respecting. This page explains what information we collect, how it is used, and how your data is protected when using the Monthly Dividend Calculator, AskAI, and other features on this website.
We do not collect, store, or share any personally identifiable information (PII). This means:
The Monthly Dividend Calculator runs entirely in your browser. Your inputs — including investment amounts, yields, MER, DRIP settings, and contribution values — never leave your device.
The AskAI feature uses the OpenAI API to generate retirement income estimates and financial summaries. To provide this service, the following information is sent only to OpenAI:
No personal identifiers are included. OpenAI processes the request and returns a text‑based response. Divyincome does not store or reuse AskAI queries or responses.
For more information on OpenAI’s data handling, please refer to their published policies.
To understand how the site is used and to improve performance, Divyincome uses a custom PHP/MySQL analytics system. This system collects anonymous, non‑personal data such as:
IP addresses are stored only for security and session uniqueness. They are not used to identify individuals and are not linked to any personal profile.
Divyincome does not use:
Your browsing activity on this site remains private.
We use secure server configurations, HTTPS encryption, and strict access controls to protect all anonymous analytics data. No personal data is stored, so no personal data can be compromised.
Because we do not collect personal information, there is nothing to delete, export, or opt out of. You may use the site freely without creating an account or accepting cookies.
This Privacy Policy may be updated as new features are added. Any changes will be reflected on this page with an updated revision date.