Privacy Policy
Your privacy is important to us. This policy explains how we collect, use, and protect your information when you use our calculators.
Information We Collect
Calculator Input Data
When you use our calculators, we temporarily store your input data in your browser's local storage to:
- Save your preferences and settings between sessions
- Provide a better user experience by remembering your last calculations
- Enable features like currency unit preferences
Why We Do This
We store data locally to enhance your experience while maintaining your privacy:
- • Convenience: You don't have to re-enter complex financial data every visit
- • Privacy: Your sensitive financial information never leaves your device
- • Speed: Calculations happen instantly without server communication
- • Offline Access: Calculators work even without internet connection
Important: All calculator data is stored locally on your device and is never transmitted to our servers.
Usage Analytics
We may collect anonymized usage data to improve our services:
- Pages visited and features used
- Device type and browser information
- General location data (country/region level only, derived from IP address but never pinpointing your exact location)
- Time spent on different calculators
Google AdSense Data Collection
Third-Party Data Collection: As a consequence of using Google AdSense, third parties (including Google and its advertising partners) may collect, share, and use data through various technologies:
- • Cookies: Third parties may place and read cookies on your browser for advertising purposes
- • Web Beacons: Small tracking pixels that collect information about your browsing behavior
- • IP Addresses: Used to determine geographic location and serve relevant ads
- • Other Identifiers: Device IDs, browser fingerprints, and other tracking technologies
- • Cross-Platform Tracking: Data collection occurs across web, mobile apps, Connected TV, gaming consoles, and email publications
Purpose: This data is used for personalized advertising, analytics, and improving ad relevance across all platforms where our content appears.
Why Analytics Matter
We use this data to make our calculators better for everyone:
- • Popular Features: Identify which calculators are most useful
- • Performance Issues: Find and fix slow-loading pages
- • User Experience: Understand how people navigate our site
- • Regional Relevance: Country-level data helps us prioritize calculators for different markets (e.g., US vs EU tax/retirement features)
- • New Calculator Ideas: See what financial tools people need most
- • Mobile Optimization: Ensure calculators work well on all devices
Contact Information
If you contact us directly, we may collect your email address and any information you provide in your message.
What We DO NOT Collect
To be completely transparent, here's what we specifically avoid collecting:
- Precise location data (GPS coordinates, exact addresses)
- Personal financial account numbers or passwords
- Social security numbers or tax ID numbers
- Credit card or payment information
- Biometric data (fingerprints, facial recognition)
- Personal conversations or private communications
How We Use Your Information
Service Improvement
- • Enhance calculator functionality
- • Fix bugs and improve performance
- • Develop new features based on usage patterns
User Experience
- • Remember your preferences
- • Provide relevant calculator suggestions
- • Optimize site performance
Data Protection & Security
Security Measures
HTTPS Encryption
All data transmission is encrypted using SSL/TLS
Local Storage
Calculator data stays on your device
No Personal Data
We don't collect sensitive personal information
Regular Updates
Security measures are regularly reviewed and updated
Data Minimization Principle
We only collect data that is necessary to provide and improve our calculator services. We don't collect more information than needed.
Why this matters: By limiting data collection, we reduce privacy risks, comply with regulations like GDPR, and focus only on what truly improves your experience. Less data means fewer security concerns and faster, more efficient calculators.
Third-Party Services
We may use third-party services to help us provide and improve our calculators:
Why We Use Third-Party Services
Expertise & Reliability: These services specialize in areas like analytics and hosting, providing better performance and security than we could build ourselves. This allows us to focus on creating excellent calculators while ensuring your data is handled by industry experts with proven track records in data protection.
Advertising Services
We use Google AdSense to display advertisements on our website.
- • Personalized and non-personalized ads
- • Cookie-based targeting
- • Interest-based advertising
- • Demographic targeting
Analytics Services
We may use well-known analytics providers to understand how users interact with our calculators.
- • Anonymized usage statistics
- • Performance monitoring
- • Error tracking
Hosting Services
Our website is hosted on secure cloud platforms from established providers.
- • Industry-standard security
- • Data protection compliance
- • Regular security audits
Google AdSense and Advertising Cookies
What Google AdSense collects: Google AdSense uses cookies and similar technologies to serve ads based on your prior visits to our website or other websites. Google's advertising cookies enable it and its partners to serve ads to you based on your visit to our sites and/or other sites on the Internet.
Data collected may include: Your browsing behavior, interests, demographics, device information, and interaction with advertisements.
Data Collection, Sharing, and Usage: As a consequence of using Google products and services (including AdSense), we disclose that:
- Third parties, including Google and its advertising partners, may be placing and reading cookies on your browser
- Web beacons, IP addresses, and other identifiers may be used to collect information as a result of ad serving on our website
- This data collection, sharing, and usage occurs across all platforms, surfaces, and properties where our content appears (web, mobile apps, Connected TV, gaming consoles, email publications, etc.)
- The technologies used include cookies, web beacons, IP addresses, and other tracking identifiers
- This information may be used for personalized advertising, analytics, and improving ad relevance
Your Advertising Choices
🔹 Required Google AdSense Disclosure:
- • Third party vendors, including Google, use cookies to serve ads based on a user's prior visits to your website or other websites.
- • Google's use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.
- • Users may opt out of personalized advertising by visiting Ads Settings (https://adssettings.google.com/).
You have several options to control how ads are displayed to you:
https://adssettings.google.com/
Manage your Google advertising preferences and opt out of personalized ads
http://www.aboutads.info/choices/
Opt out of interest-based advertising from participating companies
http://www.youronlinechoices.eu/
European users can manage advertising preferences here
https://www.aboutads.info/
Alternative opt-out resource for third-party vendor cookie use for personalized advertising
Note: Opting out of personalized advertising does not mean you will see fewer ads. You will still see advertisements, but they may be less relevant to your interests.
Service Provider Standards: All third-party services we use, including Google AdSense, are selected based on their strong privacy policies, GDPR compliance, and established reputation for data protection. We only work with providers who meet or exceed industry security standards.
Your Rights & Choices
Data Control
- • Clear your browser data to remove stored calculator inputs
- • Disable cookies in your browser settings
- • Use private/incognito browsing mode
- • Contact us to request deletion of any information you've directly provided to us (e.g., via email)
Privacy Settings
- • Opt out of analytics tracking
- • Control cookie preferences
- • Request information about data we have
- • Report privacy concerns
Note: Since most calculator data is stored locally on your device, you have direct control over this information through your browser settings.
Why this empowers you: Local storage means you're in complete control. You can delete your data instantly, use private browsing to leave no trace, or clear specific calculator data without affecting other websites. No need to contact us or wait for data deletion requests.
Cookies & Local Storage
| Type | Purpose | Duration |
|---|---|---|
| Essential | Basic site functionality and user preferences | Until cleared by user or browser session ends (if not saved as preferences) |
| Advertising | Google AdSense personalized and non-personalized ads, interest-based targeting, cross-platform tracking, third-party data collection via cookies, web beacons, IP addresses, and other identifiers | Up to 2 years |
| Analytics | Understanding site usage and performance | Up to 2 years |
| Preferences | Remembering your calculator settings | Until cleared by user |
Children's Privacy
Our calculators are designed for general use and do not specifically target children under 13. We do not knowingly collect personal information from children under 13 years of age.
If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete such information.
Why We Protect Children
Legal Compliance: COPPA (Children's Online Privacy Protection Act) requires special protections for children under 13. Ethical Responsibility: Children deserve extra privacy protection as they may not understand data collection implications.Safe Environment: By not targeting children, we ensure our financial calculators remain appropriate tools for informed adults making financial decisions.
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons.
When we make changes, we will update the "Last updated" date at the top of this policy. For significant changes, we may provide additional notice on our website.
We encourage you to review this privacy policy periodically to stay informed about how we protect your information.
Why updates happen: Privacy laws evolve, new technologies emerge, and we continuously improve our services. Regular updates ensure we maintain the highest standards of data protection and transparency with our users.
Contact Us
If you have any questions about this privacy policy or our data practices, please contact us:
Privacy Questions
For questions about how we handle your data or to exercise your privacy rights.
General Support
For technical support or general questions about our calculators.
Response Time: We typically respond to privacy-related inquiries within 3-5 business days.