Privacy Policy

1. Introduction and Scope

Welcome to MDRFee.com. This Privacy Policy outlines our principles, policies, and practices regarding the collection, use, protection, and disclosure of information when you access and utilize the MDRFee.com website and its associated Merchant Discount Rate (MDR) calculation tools. At MDRFee.com, we prioritize your privacy and are fundamentally committed to ensuring that your online experience is secure, transparent, and respectful of your data rights. By accessing or using our website, you signify your understanding and agreement to the terms outlined in this comprehensive Privacy Policy.

MDRFee.com was established with a singular, privacy-first objective: to provide a fast, accurate, and completely client-side calculator for Merchant Discount Rates without compromising user data. We recognize that financial information, even in the form of hypothetical calculator inputs, can be sensitive. Therefore, our architecture is deliberately designed to minimize data interaction. This document explains in detail how we achieve this, what minimal technical data is involved in delivering the website to your browser, and your rights regarding privacy.

2. Information We Do Not Collect

It is equally important to state what we do not collect as it is to state what we do collect. The core functionality of MDRFee.com revolves around calculating Merchant Discount Rates based on the inputs you provide (such as transaction amounts, payment modes, and merchant categories).

Personal Identification Information: We do not collect, request, or store any personally identifiable information (PII) such as your name, address, phone number, government identification numbers, or physical location when you simply use the calculator. You are not required to create an account, register, or log in to use our services.

Financial Data and Calculator Inputs: The MDR calculator operates entirely within your web browser using client-side JavaScript. When you enter a transaction amount, select a payment mode (such as UPI, RuPay Debit, Visa, Mastercard, or Credit Card), or toggle the GST inclusion switch, this data is processed locally on your device. We do not transmit your calculator inputs to our servers. We do not record the transaction amounts you calculate, the payment modes you select, or any potential business revenue estimates you might be exploring. Your financial calculations remain strictly on your device.

3. Information Collected Automatically

While we do not actively collect personal data, standard web server operations inherently involve the processing of certain technical information necessary for the delivery and security of the website. When you visit MDRFee.com, our hosting provider (and content delivery network, if applicable) may automatically record standard web log data.

Server Logs: This automatically collected data typically includes your IP address, browser type, browser version, the pages of our website that you visit, the time and date of your visit, the time spent on those pages, referring/exit pages, and other diagnostic data. This information is standard across almost all websites on the internet. It is used exclusively for the purposes of maintaining server security, monitoring website performance, preventing malicious activity (such as Distributed Denial of Service attacks), and analyzing general, aggregated traffic trends to ensure our server capacity meets user demand. We do not use server logs to track individual users or associate log data with any personal identity.

4. Cookies and Local Storage

MDRFee.com strives to provide a seamless user experience while minimizing the use of tracking technologies. We do not use traditional tracking cookies, advertising cookies, or third-party behavioral tracking cookies.

Local Storage for User Preferences: To enhance your user experience, we utilize a web storage feature known as localStorage. Specifically, we use a single localStorage item (named mdrfee-theme) to remember your preference for the "Dark Mode" or "Light Mode" theme of the website. This allows the website to load in your preferred color scheme on subsequent visits without requiring you to toggle the setting every time.

This localStorage data is stored directly within your web browser on your device. It is never transmitted to our servers, nor is it shared with any third parties. It is strictly a client-side mechanism designed solely for user interface customization. You retain full control over this data and can clear your browser's local storage at any time through your browser's privacy settings, which will simply reset your theme preference to the system default.

5. Analytics and Tracking

At present, MDRFee.com does not utilize active third-party analytics tracking (such as Google Analytics). We have designed the site to be as lightweight and privacy-respecting as possible.

In the future, we may integrate privacy-focused, aggregated analytics tools to better understand how many users visit the site, which calculators are most popular, and what regions our traffic originates from. If we choose to implement analytics, we will update this Privacy Policy accordingly and ensure that any such implementation strictly anonymizes IP addresses and complies with global privacy standards, ensuring that no individual user can be identified from the analytics data.

6. Third-Party Services and External Links

In order to provide the website layout and typography, MDRFee.com utilizes external resources.

Google Fonts: We use the 'Inter' font family provided by Google Fonts to ensure the website is readable and visually appealing across all devices. When your browser requests this font, your IP address may be exposed to Google's servers. Google's use of this data is governed by the Google Privacy Policy. We limit our use of third-party assets to strictly necessary visual elements.

External Links: Throughout MDRFee.com, particularly in our informational articles and rate tables, we provide links to official sources such as the Reserve Bank of India (RBI), the National Payments Corporation of India (NPCI), the Press Information Bureau (PIB), and various news outlets. These links are provided for your reference to verify the authenticity of the MDR rates and regulations we discuss. Please be aware that we are not responsible for the privacy practices, content, or data collection policies of these external websites. Once you click a link and leave MDRFee.com, our Privacy Policy no longer applies. We strongly encourage you to read the privacy statements of any external site you visit.

7. Data Security and Architecture

The security of your interaction with MDRFee.com is inherently protected by our architectural choices. Because we operate as a static website and process all MDR calculations client-side, the traditional risks associated with database breaches or server-side data leaks are virtually eliminated for our users. There is no database of user financial inputs to be compromised.

Furthermore, MDRFee.com is served exclusively over HTTPS (Hypertext Transfer Protocol Secure). This means that all communication between your web browser and our servers is encrypted in transit. This encryption prevents unauthorized third parties from intercepting or reading the data as it travels across the internet, protecting the integrity of the website content delivered to you.

8. Contacting Us and Email Privacy

If you choose to contact us using the email address provided on our website (contact@mdrfee.com), we will receive your email address and any other personal information you choose to include in your message. We will use this information solely for the purpose of responding to your inquiry, addressing your feedback, or providing technical support.

We treat all email correspondence with strict confidentiality. We will never sell, rent, or distribute your email address to third-party marketers or mailing lists without your explicit consent. Your communication is retained only as long as necessary to resolve your query.

9. Children's Privacy

MDRFee.com is a financial information tool intended for merchants, business owners, professionals, and the general adult public interested in payment processing fees. Our website is not directed at, nor do we knowingly collect any personal information from, children under the age of 13 (or the applicable age of consent in your jurisdiction). If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us, and we will take immediate steps to remove such information from any systems we may have.

10. Compliance with Privacy Regulations

While MDRFee.com is based in India and primarily serves Indian merchants navigating the domestic UPI and card payment landscape, we respect the principles of global privacy frameworks such as the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). By operating on a "no data collection" model for our core services, minimizing third-party tracking, and ensuring full client-side processing, we strive to align our practices with the highest standards of data minimization and user privacy.

11. Changes to This Privacy Policy

We reserve the right to update, modify, or amend this Privacy Policy at any time to reflect changes in our technological practices, legal obligations, or the addition of new features. Any changes will be posted on this page with a revised "Last updated" date at the top of the policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your privacy. Your continued use of the website after any modifications indicates your acceptance of the updated Privacy Policy.

12. Contact Information

If you have any questions, concerns, or feedback regarding this Privacy Policy, our data practices, or your dealings with this website, please do not hesitate to contact us. You can reach out to the developer and founder directly at:

Email: contact@mdrfee.com

We are committed to addressing any privacy concerns promptly and transparently.