ANALYZING BEHAVIORAL PATTERNS
Processing transactions — data never leaves your device
ABOUT
NestIQ Labs
NestIQ Labs is a behavioral finance intelligence initiative focused on decoding real-world financial habits using transaction-level data.

Our Mission

Move beyond traditional financial metrics and help individuals understand how they actually behave with money — not just how they plan to.

What We Build

Tools that convert raw bank and credit card transaction data into behavioral insight. Entirely within your browser. Zero data transmission.

Supported Formats

Bank and CC statements in CSV, XLS, XLSX, and PDF (HDFC, ICICI, Axis, SBI, Kotak, Yes Bank, IndusInd, PNB, Bank of Maharashtra, HSBC, Citi). CC statements: HDFC CC, ICICI CC, Axis CC, SBI Card, Kotak CC, Yes CC, RBL, HSBC CC, Amex. CC bill payments in bank statements are de-duplicated automatically.

Contact

📧 getnestiq@gmail.com

© 2026 NestIQ Labs · BRI-21™ Engine v5.4
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Terms & Conditions
Effective: 1 January 2026 · Jurisdiction: India

1. Service

One-time behavioral finance analysis. Each purchase = one report from one set of uploaded files.

2. Single-Use Policy

Each purchase allows one-time analysis only. Reuse requires a new purchase.

3. Payment

  • Processed via Razorpay. We do not store payment details.
  • Price ₹999 inclusive of all charges.
  • No refunds once report is generated.

4. Governing Law

Laws of India. Disputes subject to exclusive jurisdiction of Indian courts.

getnestiq@gmail.com
LEGAL
Data Privacy Policy
🔒 DPDP-Aligned. Governed by the Digital Personal Data Protection Act (DPDPA), India.

Zero-Transmission Protocol

Your files are read locally, processed in-memory in your browser, and never uploaded to any server. Closing the tab discards all data permanently.

What We Collect

  • Name & email — for communication and payment records only.
  • Payment data — handled exclusively by Razorpay.
Last updated: January 2026 · DPDPA 2023, India
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Disclaimer
⚠ Read carefully before acting on any content in your NestIQ report.

Not Financial Advice

This report is a behavioral interpretation based on transaction pattern analysis. It does not constitute financial, investment, legal, or tax advice.

No Accuracy Guarantee

  • Classification is algorithmic and may not perfectly categorize all entries.
  • 10-year projections are illustrative models — not predictions.

Seek Professional Advice

Consult a SEBI-registered investment advisor before significant financial decisions.

© 2026 NestIQ Labs · getnestiq@gmail.com
● BEHAVIORAL FINANCE INTELLIGENCE

Your bank statement is not
the problem.
Your behavior is.

One upload. One report. One clear answer to
"Where did my income actually go this month?"

🔒 Your data never leaves this browser. No signup. No server. DPDP Act 2023.
✓No account needed
✓One-time payment
✓Results in 30 seconds
✓Bank + CC supported
GET YOUR FULL REPORT
One-time. No subscription.
Enter details, pay, then upload your file.
Full Behavioral Analysis ₹1499₹999
🔒Secured by Razorpay
✓UPI / Card / Net Banking
✓Data stays on device
Most Indians lose ₹60,000+ every year to invisible spending leaks. We find them in 5 minutes.
📉
Leak Report
See exactly where ₹5k–15k vanishes each month — groceries, dining, subscriptions, impulse.
🧠
Behavior Profile
6 financial personalities. Which one is keeping you from building wealth?
📈
10-Year Projection
Current path vs fixed behavior — the difference over 10 years is often crores.
⚡
Trigger Days
Which day of the week do you overspend? Your data knows. Now you will too.
HOW IT WORKS
01
Upload your bank statement — CSV, XLS or PDF. All Indian banks supported.
→
02
Analyze — fully private, runs on your device. Zero transmission.
→
03
Download your report in 30 seconds. Keep it forever. No data stored.
Works with
HDFC  ·  ICICI  ·  SBI  ·  Axis  ·  Kotak  ·  Yes Bank  ·  IndusInd  ·  PNB  ·  IDFC First  ·  Federal  ·  AU  +  more
"I thought I knew where my money went. I was wrong. Found ₹12,000 in monthly leakage I didn't know existed."
— Hitesh V., Mumbai
"Better than a CA for daily spending analysis. Shows you the why, not just the what."
— Priya S., Bangalore
"The behavior profile section alone is worth ₹999. Realized I'm a weekend binge spender. Classic pattern."
— Rohan M., Pune
FAQ
Is my data safe?
Yes. Zero transmission. Your file is processed entirely in your browser and never sent to any server. Closing the tab deletes everything.
Which banks work?
HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, IndusInd, PNB, IDFC First, Federal, AU, Canara, and most Indian banks — in PDF, CSV, XLS or XLSX format.
What if my PDF is password-protected?
Remove the password once using Adobe Reader (File → Print → Save as PDF) or any free online PDF unlocker. We never ask for your password.
Can I upload 6 months at once?
Yes. Select multiple files at once in the upload screen. The engine merges and deduplicates them automatically.
Is this a subscription?
No. One-time payment. One report. ₹999 total. No recurring charges, no account, no hidden fees.
Can I add my credit card statement too?
Yes — and you should. Upload your CC statement alongside the bank file. The engine cross-references both and eliminates double-counting of CC bill payments automatically.