Privacy Policy

1. Information We Collect

Calculator Data

All financial calculations are performed locally in your browser using JavaScript. We do NOT collect, store, or transmit any numbers you enter into our calculators. Your financial information remains private and never leaves your device.

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• Log Data: IP address, browser type, operating system, referring URLs, pages viewed, and time stamps
• Analytics Data: How you interact with our site, which calculators you use, and which pages you visit
• Device Information: Device type, screen resolution, and similar technical data

Information You Provide

We collect information you voluntarily provide:

• Email Address: When you subscribe to our newsletter or email updates
• Contact Information: When you reach out to us via email or contact forms
• Feedback: Any comments, suggestions, or feedback you provide

2. How We Use Your Information

We use the collected information for the following purposes:

• To operate and maintain our website and calculators
• To improve user experience and website functionality
• To analyze how visitors use our site and optimize content
• To send newsletters and updates (only to subscribers)
• To respond to inquiries and provide support
• To detect and prevent fraud or abuse
• To comply with legal obligations

3. Cookies and Tracking Technologies

What Are Cookies?

Cookies are small text files stored on your device that help websites remember information about your visit.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly. These cannot be disabled.
• Analytics Cookies: Help us understand how visitors interact with our site using services like Google Analytics.

Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality. Most browsers accept cookies automatically, but you can modify your settings to decline cookies if you prefer.

4. Third-Party Services

We use the following third-party services:

Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics uses cookies to collect anonymous information. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Email Service Provider

We use a third-party email service provider (such as ConvertKit, Mailchimp, or similar) to manage our email list and send newsletters. These providers have their own privacy policies and security measures.

Hosting Provider

Our website is hosted on Vercel/AWS/Netlify (specify your provider), which may collect server logs including IP addresses for security and performance purposes.

5. Email Subscriptions

What You'll Receive

When you subscribe to our email list, you'll receive:

• Weekly financial tips and strategies
• Updates about new calculators and features
• Exclusive content not available on the website

Your Email Rights

• You can unsubscribe at any time using the link in every email
• We will never sell or share your email address with third parties
• We will never spam you or send excessive emails
• You can request deletion of your email address at any time

Email Frequency

We typically send 1-2 emails per week. You can adjust your preferences or unsubscribe at any time.

7. Data Security

We implement appropriate security measures to protect your information:

• SSL/TLS encryption for data transmission
• Secure hosting infrastructure
• Regular security updates and patches
• Access controls and authentication
• Regular backups and disaster recovery procedures

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

8. Your Rights and Choices

You have the following rights regarding your information:

Access and Correction

You can request access to or correction of any personal information we hold about you.

Deletion

You can request deletion of your personal information (email address) at any time.

Opt-Out

You can opt out of:

• Email communications (unsubscribe link in every email)
• Analytics tracking (browser settings or Google Analytics opt-out)
• Cookies (browser settings)

GDPR Rights (EU Visitors)

If you're in the European Union, you have additional rights under 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

CCPA Rights (California Residents)

California residents have rights under CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information (we don't sell data)
• Right to non-discrimination for exercising CCPA rights

9. 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 are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last updated" date at the top
• Sending an email to subscribers (for material changes)

You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted on this page.

11. Contact Us

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