Privacy Policy

1. Information We Collect

We collect two general categories of information when you use the Site.

Information you provide directly

If you contact us by email or through a contact form, we collect the information you choose to share, such as your name and email address, along with the content of your message. We use this information only to respond to your inquiry and do not sell or rent it to third parties.

Information collected automatically

Like most websites, we automatically collect certain technical information when you visit, including your IP address, browser type, device type, operating system, referring URL, pages viewed, and the date and time of your visit. This information is collected through server logs, cookies, and similar technologies, and is generally aggregated and does not identify you personally.

2. How Our Calculators Work

The financial calculators on this Site run entirely in your browser using client-side JavaScript. The numbers you enter into a calculator, such as a loan amount, salary, or investment balance, are processed locally on your device to generate a result. We do not transmit, store, or have access to the specific values you enter into any calculator. This input data is not saved by us, is not sent to our servers, and disappears when you close or refresh the page.

3. Cookies and Tracking Technologies

A cookie is a small text file stored on your device by your browser. We and our third-party partners, including Google, use cookies and similar technologies (such as web beacons and pixels) for the purposes described in this section.

Cookies on this Site fall into the following general categories:

• Essential cookies: required for basic site functionality, such as remembering your cookie consent preferences.
• Analytics cookies: help us understand how visitors use the Site so we can improve content and performance.
• Advertising cookies: used by Google and other third-party vendors to serve ads based on your visits to this Site and other sites on the internet.

You can control or delete cookies through your browser settings. Disabling cookies may affect how some parts of the Site function, though our calculators will continue to work normally since they do not depend on cookies for core functionality.

4. Advertising and Google AdSense

This Site displays advertisements served by Google AdSense and may work with other third-party advertising networks. These third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this Site or other websites on the internet.

Google's use of advertising cookies enables Google and its partners to serve ads to you based on your visit to this Site and other sites across the internet. This is commonly known as interest-based or personalized advertising.

For more information about how Google collects and processes data when you use websites or apps that use Google's advertising services, visit How Google Uses Information from Sites or Apps that Use Our Services.

5. Analytics

We use Google Analytics to understand how visitors interact with the Site, including which pages are viewed, how long visitors stay, and which calculators are most used. Google Analytics collects this information through first-party cookies and does not identify you personally. We have enabled IP anonymization, which truncates your IP address before it is logged, to further limit the collection of personally identifying information.

Google Analytics data may be shared with Google for the purpose of improving its own products and services. You can prevent your data from being used by Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

6. How We Use Information

We use the information described above for the following purposes:

• To operate, maintain, and improve the Site and its calculators
• To understand aggregate usage patterns and identify which content is most useful
• To display relevant advertising through Google AdSense and other ad networks
• To respond to inquiries sent through our contact form or email
• To detect, prevent, and address technical issues, fraud, or abuse
• To comply with applicable legal obligations

7. Sharing of Information

We do not sell your personal information. We may share information in the following limited circumstances:

8. Your Choices and Opt-Outs

You have several options for controlling how your information is collected and used on this Site:

• Browser settings: Most browsers let you block or delete cookies. Check your browser's help documentation for instructions.
• Personalized ad opt-out: Visit Google Ads Settings or aboutads.info to opt out of interest-based advertising from participating vendors.
• Analytics opt-out: Install the Google Analytics Opt-out Add-on.
• Do Not Track: Some browsers offer a "Do Not Track" signal. Because no common industry standard exists yet, our Site does not currently respond differently to this signal.

9. European Users (GDPR)

If you are located in the European Economic Area, the United Kingdom, or Switzerland, you have certain rights under the General Data Protection Regulation (GDPR) regarding any personal data we hold about you, including the right to access, correct, delete, or export your data, and the right to object to or restrict certain processing.

Our legal basis for processing analytics and advertising cookies for users in these regions is your consent, which you provide through our cookie consent mechanism when you first visit the Site. You may withdraw consent at any time by adjusting your cookie preferences or browser settings.

To exercise any of your GDPR rights, contact us using the information in Section 15 below.

10. California Users (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you the right to know what personal information we collect, request deletion of that information, and opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising, which includes the cookie-based ad personalization described in Section 4.

To opt out of the sharing of your information for personalized advertising, use the opt-out methods described in Section 8, or contact us directly using the information in Section 15. We do not knowingly sell or share personal information of California residents under 16 years of age without affirmative authorization.

11. Children's Privacy

This Site is not directed at children under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us so we can promptly delete it. Our advertising partners do not knowingly target children with personalized advertising on this Site.

12. Data Security

We use commercially reasonable administrative and technical safeguards to protect the limited information we collect. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. You provide information to us at your own risk.

13. Third-Party Links

The Site may contain links to third-party websites that are not operated by us. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of any third-party site you visit.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the revised policy on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

15. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: