This Privacy Policy explains how Financial Calculators ("we," "us," or "our") collects, uses, and protects information when you use our website and calculator tools.
1. Information We Collect
1.1 Information You Provide
Calculator Inputs: When you use our calculators (paycheck, mortgage, 401k, etc.), you may enter personal financial information such as:
- Salary or income amounts
- Tax filing status
- Deduction amounts
- Loan amounts and interest rates
- Retirement contribution amounts
IMPORTANT: This information is processed entirely in your web browser using JavaScript. We do NOT transmit, store, or have access to any calculations or data you enter into our calculators.
1.2 Automatically Collected Information
We automatically collect certain information when you visit our website:
- Usage Data: Pages visited, time spent on site, referring websites
- Device Information: Browser type, operating system, device type
- IP Address: Your general geographic location (city/state level)
- Cookies: Small data files stored on your device
2. How We Use Your Information
We use the automatically collected information to:
- Improve our calculators and website functionality
- Understand which calculators are most useful to visitors
- Display relevant advertisements (through Google AdSense)
- Analyze traffic patterns and user behavior
- Prevent fraud and abuse
3. Third-Party Services
3.1 Google AdSense
We use Google AdSense to display advertisements on our website. Google uses cookies to serve ads based on your prior visits to our website or other websites. You may opt out of personalized advertising by visiting Google Ads Settings.
What Google Collects:
- Cookie IDs and similar identifiers
- IP address and general location
- Browsing activity on our site and other sites
- Device information
3.2 Google Analytics
We use Google Analytics to analyze how visitors use our website. Google Analytics collects information such as:
- How often users visit our site
- What pages they visit
- What other sites they visited before coming to our site
Google Analytics uses cookies to collect this information. You can opt out by installing the Google Analytics Opt-out Browser Add-on.
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience:
Types of Cookies We Use:
- Essential Cookies: Required for basic site functionality
- Analytics Cookies: Help us understand site usage (Google Analytics)
- Advertising Cookies: Used to display relevant ads (Google AdSense)
Managing Cookies: You can control cookies through your browser settings. Note that disabling cookies may affect site functionality.
5. Data Security
We take reasonable measures to protect the information we collect:
- HTTPS encryption for all site traffic
- Secure hosting infrastructure
- Regular security updates
- Limited data collection (we only collect what's necessary)
Important: Since calculator inputs are processed locally in your browser and never transmitted to our servers, your financial calculations remain private.
6. Your Privacy Rights
Depending on your location, you may have certain rights regarding your information:
6.1 California Residents (CCPA)
California residents have the right to:
- Know what personal information we collect
- Request deletion of personal information
- Opt-out of the sale of personal information (we do not sell personal information)
6.2 European Residents (GDPR)
EU/EEA residents have the right to:
- Access personal data we hold about you
- Request correction or deletion of personal data
- Object to data processing
- Data portability
- Withdraw consent at any time
7. Children's Privacy
Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately.
8. Do Not Track Signals
Some browsers include a "Do Not Track" (DNT) feature. Our website does not currently respond to DNT signals, as there is no industry standard for how to respond to such signals.
9. International Data Transfers
Our website is hosted in the United States. If you access our site from outside the U.S., your information may be transferred to, stored, and processed in the United States.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page indicates when changes were last made. We encourage you to review this policy periodically.
Significant changes will be posted prominently on our homepage.
11. Contact Us
If you have questions about this Privacy Policy or your personal information, please contact us:
- Email: [Your Contact Email]
- Contact Form: Contact Us
12. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.
13. Data Retention
We retain automatically collected information (analytics, cookies) for:
- Google Analytics: 26 months (default setting)
- Server Logs: 90 days maximum
- Cookie Data: As specified in cookie settings
Summary - What Makes Us Different
We respect your privacy:
- ✓ Calculator inputs are NEVER sent to our servers
- ✓ All calculations happen in YOUR browser
- ✓ We only collect anonymous usage statistics
- ✓ We use standard advertising (Google AdSense)
- ✓ No registration or personal information required