Privacy Policy

YourCalcs ("we," "our," or "us") operates the website located at fincalc.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this Privacy Policy carefully. By using the Site, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Information You Provide

The financial data you enter into our calculators (loan amounts, income figures, etc.) is processed entirely within your web browser using JavaScript. This data is never transmitted to our servers, never stored in any database, and never shared with any third party. When you close or refresh the page, this data is gone.

If you contact us via our contact form, we collect the information you voluntarily provide, including your name, email address, and message content. This information is used solely to respond to your inquiry.

1.2 Automatically Collected Information

When you visit the Site, we may automatically collect certain information about your device and usage patterns, including:

• Browser type and version
• Operating system
• Device type (mobile, tablet, desktop)
• Screen resolution
• Pages visited and time spent on each page
• Referring website (where you came from)
• Approximate geographic location (country/region level, derived from IP address)
• Anonymous interaction data (button clicks, scroll depth, calculator usage patterns)

This data is collected in aggregate and anonymized form. IP addresses are cryptographically hashed before storage and cannot be reversed to identify individuals. We do not use this data to identify, contact, or build profiles on individual users.

2. How We Use Your Information

We use the anonymized analytics data we collect to:

• Understand which calculators and content are most useful to visitors
• Improve the functionality, design, and content of our Site
• Create new blog articles and resources based on visitor interests
• Monitor and analyze usage trends to improve user experience
• Detect and prevent technical issues

3. Cookies and Tracking Technologies

Our Site uses minimal tracking. We use sessionStorage (not persistent cookies) to prevent showing the same advertisement popup multiple times in a single browsing session. This data is automatically deleted when you close your browser tab.

Third-party advertising networks that display ads on our Site may use their own cookies and tracking technologies. These are governed by the respective third party's privacy policies, not ours. You can manage cookie preferences through your browser settings.

4. Third-Party Advertising

We display advertisements on our Site through third-party advertising networks. These networks may use cookies, web beacons, and similar technologies to serve ads based on your browsing activity across websites. We do not control these technologies or the data they collect. We encourage you to review the privacy policies of these advertising partners.

You can opt out of personalized advertising by visiting the Network Advertising Initiative opt-out page at networkadvertising.org/choices or the Digital Advertising Alliance opt-out page at aboutads.info/choices.

5. Data Sharing and Disclosure

We do not sell, trade, rent, or otherwise share your personal information with third parties for their marketing purposes. We may share anonymized, aggregated data (which cannot identify any individual) with:

• Advertising partners (in aggregate statistical form only)
• Service providers who help us operate the Site (hosting, analytics)
• Law enforcement or government agencies if required by law or to protect our legal rights

6. Data Security

We implement reasonable technical and organizational measures to protect the information we collect. However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.

7. Children's Privacy

Our Site is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected such information, we will take steps to delete it promptly.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction or deletion of your personal data
• Object to or restrict the processing of your data
• Data portability
• Withdraw consent at any time

Since we do not collect personally identifiable information through our calculators, most of these rights apply only to data submitted through our contact form. To exercise any of these rights, please contact us at the address provided on our Contact page.

9. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete it, and the right to opt out of the sale of personal information. We do not sell personal information.

10. International Users (GDPR)

If you are located in the European Economic Area (EEA) or United Kingdom, you have rights under the General Data Protection Regulation (GDPR). Our lawful basis for processing anonymized analytics data is our legitimate interest in improving our services. You may contact us to exercise your data protection rights.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions about this Privacy Policy, please visit our Contact page or write to us at: YourCalcs, Privacy Inquiries, United States.