1. Scope
This notice explains information handled when you use Ranjca.
2. Local-only state
Quiz answers, progress, result, calculator inputs, checklist progress, contact drafts and lead-form drafts are stored in your browser localStorage. They are not sent to Ranjca by this static site.
3. Quiz profiling
The check-up uses answers about household goals, time, payday stress, access and leftover amounts to select an educational pattern. This is automated educational categorisation, not regulated suitability profiling, a credit score or a personal recommendation.
4. Forms and no backend
Forms validate and save drafts locally. No email, account or lead is created because no submission endpoint exists.
5. Optional consent
Phone-call and partner-offer choices are separate, optional and unchecked. Selecting them records a local preference only; it does not trigger contact.
6. Measurement
The site keeps an on-device event queue and dataLayer. No beacon or analytics endpoint is configured. Optional measurement preference is stored locally.
7. Cookies and storage
Essential storage remembers privacy choices and tool progress. See the Cookie Policy for controls.
8. Partners and affiliates
We may introduce clearly disclosed affiliate or partner links. If third parties receive data in future, this notice will be updated before collection begins.
9. Your controls
Use Reset in each tool or clear site data in browser settings. Rejecting optional measurement does not block core content.
10. Contact
Privacy questions: [email protected]. Do not send sensitive financial data.
Last updated: 11 September 2026