Privacy Policy

1.1 Information You Provide

We do not collect personally identifiable information unless you voluntarily provide it to us through contact forms or other communication channels. This may include:

• Email address (if you contact us)
• Name (if you provide it)
• Any other information you choose to provide

1.2 Calculator Input Data

Any financial information you enter into our calculators (loan amounts, interest rates, income, etc.) is:

• Processed entirely in your browser
• Not transmitted to our servers
• Not stored or saved by us
• Not shared with third parties

Your calculator inputs are private and remain on your device.

1.3 Automatically Collected Information

We use Google Analytics to collect anonymous usage data to help us improve our services. This may include:

• Pages visited and time spent on pages
• Device type and browser information
• Geographic region (country/city level)
• Referral sources (how you found our site)

This data is aggregated and anonymized. We do not use session recording tools or collect personally identifiable information through analytics. Standard server logs may be maintained by our hosting provider for security purposes.

We use the collected information for:

• Service Delivery: Providing and maintaining our calculator services
• Analytics: Understanding how visitors use our site to improve the user experience
• Security: Detecting and preventing fraud, abuse, or security incidents
• Communication: Responding to inquiries if you contact us
• Legal Compliance: Meeting legal obligations and enforcing our terms

We do not sell your personal information to third parties.

3.1 What Are Cookies?

Cookies are small text files stored on your device that help websites remember your preferences and improve your experience.

3.2 Cookies We Use

• Essential Cookies: Required for basic site functionality (e.g., remembering your theme preference)
• Analytics Cookies: Used by Google Analytics to understand how visitors interact with our website. These cookies collect anonymous information about page visits, traffic sources, and user behavior patterns.

We do not use advertising cookies or sell data to third parties.

3.3 Local Storage

We may use browser local storage to save your calculator preferences and improve your experience. This data remains on your device and is not transmitted to our servers.

3.4 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect site functionality. Most browsers allow you to:

• View what cookies are stored and delete them individually
• Block third-party cookies
• Block all cookies
• Delete all cookies when closing your browser

We use third-party services to provide and improve our platform. These services may collect information as described in their own privacy policies:

4.1 Google Analytics

We use Google Analytics 4 to analyze website traffic and usage patterns. Google Analytics collects anonymous data about how visitors use our site, including pages visited, time on site, and traffic sources.

• Data collected is aggregated and anonymized
• IP addresses are anonymized before storage
• We do not enable advertising features or data sharing with Google for advertising purposes
• You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on

For more information, see Google's Privacy Policy.

4.2 Currency Exchange Rates

• We use third-party APIs (e.g., exchangerate-api.com) to provide real-time currency exchange rates. These requests may include your IP address but do not include any personal or financial data you enter.

4.3 Hosting & Infrastructure

• Our website is hosted on secure infrastructure providers who may collect standard server logs including IP addresses and access times.

We encourage you to review the privacy policies of these third-party services for more information about their data practices.

We implement appropriate technical and organizational security measures to protect your information, including:

• HTTPS encryption for all data transmitted to and from our website
• Regular security audits and updates
• Access controls and authentication for administrative systems
• Secure coding practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

We retain different types of data for different periods:

• Calculator inputs: Not retained - processed entirely in your browser
• Analytics data: Retained by Google Analytics for 14 months, then automatically deleted
• Contact form submissions: Until resolved or as required by law

Your calculator inputs are private and remain on your device.

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of marketing communications
• Data Portability: Request transfer of your data to another service
• Object: Object to processing of your personal information

To exercise these rights, please contact us through the website. We will respond to your request within 30 days.

Our Service is not directed to children under the age of 13 (or 16 in the European Union). We do not knowingly collect personal information from children.

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.

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws.

By using our Service, you consent to the transfer of your information to other countries. We take appropriate measures to ensure your data is treated securely and in accordance with this Privacy Policy.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or shared
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

We do not sell personal information.

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

Our legal basis for processing your information includes consent, legitimate interests, and legal obligations.

Some browsers have a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activities tracked. Currently, there is no universally accepted standard for how to respond to DNT signals.

We do not currently respond to DNT signals, but we minimize data collection and do not sell personal information.

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons.

We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Your continued use of the Service after any modifications constitutes acceptance of the updated Privacy Policy.