Grievance redressal
KitnaKaafi is operated by an individual, not an incorporated entity — but you get the same three-tier grievance redressal that any public commercial Indian fintech offers, on the same statutory timelines.
The ladder
For general feedback, bug reports, feature requests, or anything that doesn't need to invoke a formal right — just send a message. Most concerns get answered here without needing to escalate.
Contact form →For formal complaints under the DPDP Act 2023, IT Rules 2021, or Consumer Protection Act 2019 — write directly to the Grievance Officer named below. Use one of the pre-filled request templates further down for the common cases.
Nitin Goswami · Grievance Officer & Data Fiduciary
nitin.goswami@gmail.com
Under Section 27 of the DPDP Act 2023, a data principal whose grievance is not resolved within the statutory window may lodge a complaint with the Data Protection Board of India (DPB). The Board is being constituted by the Ministry of Electronics and Information Technology (MeitY); operational details will be published on meity.gov.in.
For SEBI-related complaints about a specific investment (which KitnaKaafi does not offer — we are only a calculator), the SCORES portal is the industry channel: scores.sebi.gov.in.
Your rights under DPDP Act, 2023
As a data principal, you have four core rights we can honour (limited only by what little data we hold — see the privacy notice for the full data-minimisation posture):
- Access · Section 11 · a summary of what we hold about you
- Correction · Section 12(1) · fix inaccurate or misleading personal data
- Erasure · Section 12(3) · delete personal data we no longer need to retain
- Grievance · Section 13 · lodge a formal complaint
Click one of the templates below and your mail client will open with a pre-filled request. The site itself never sees your request — the email goes directly from your machine to the Grievance Officer's inbox.
Complaints about an AI explanation
The optional AI explainer is in scope for grievance redressal. If it produces an explanation you believe is wrong, misleading, or inappropriate, that is a grievance like any other and takes the same three-tier ladder above — start at the contact form, escalate to the Grievance Officer, and, if it is not resolved within the statutory window, to the Data Protection Board of India. Use the “Lodge a grievance” template above and describe the answer you received.
In-product, a “Report this answer” control sends only an anonymous trace identifier and a reason code — never the text of your conversation, and never any amount — so reporting a bad answer is itself privacy-preserving.
What data we actually hold
A rights request against KitnaKaafi surfaces a very short list. For most visitors, we hold literally nothing that could be tied back to you.
- If you never used the contact form or newsletter: we hold nothing about you. Your calculator inputs live only in your browser tab and are cleared when you close it.
- If you sent a contact-form message: we hold your email address, name (if you provided one), the topic you selected, and the message body. Retained only until the conversation is resolved; deleted on your erasure request.
- If you subscribed to the newsletter: we hold your email address and the timestamp of your double-opt-in confirmation. Retained until you unsubscribe (one click, on every email).
If you are in the United States
The cross-border tools are written for people living in the United States, which brings state consumer-privacy laws into scope — California's CCPA as amended by the CPRA, and the comparable statutes in Colorado, Connecticut, Virginia, Texas, Oregon, Montana and a growing list of others. The rights differ in their details; the ones below are common to substantially all of them.
Two of the obligations are satisfied by what this site does rather than by anything you need to request: we do not sell personal information, and we do not share it for cross-context behavioural advertising. There is no “Do Not Sell or Share My Personal Information” link on this site because there is nothing behind it — no ad pixels, no data brokers, no targeted advertising, and no profiling that produces legal or similarly significant effects. If that ever changes, the link appears before the practice starts.
Right to know
What we hold, where it came from, why we process it, and who it has been disclosed to.
Open a request →Right to delete
Erase everything we hold about you. No reason required, and no consequence for asking.
Open a request →Right to appeal
If a request is refused, most state laws give you an appeal, and a route to your state attorney general if the appeal fails.
Open an appeal →Right to correct and right to non-discrimination apply too. Correction uses the same template as the DPDP correction request above — the mechanism is identical, only the statute cited differs. Non-discrimination needs no mechanism: there is no paid tier, no account, and nothing to withdraw from someone who exercises a right.
Response window: 45 days, extendable once by a further 45 where a request is complex, with notice to you inside the first 45. That is the standard across these statutes and it is the commitment here. The DPDP timelines above run in parallel and are shorter; whichever applies to you, the shorter one is what you will actually get.
Response time commitment
We commit to the DPDP-statutory timelines: acknowledgement of any formal grievance within 15 days, resolution within 30 days, per Section 8(9) of the Act. General enquiries via the contact form usually get a reply within 2 business days.
Nothing on this page constitutes legal advice or a waiver of any right you may have under Indian law. This mechanism is provided in good faith and in alignment with the stated regulations; if you believe your rights have been infringed, you retain every other legal recourse.