Privacy Policy

We take your privacy seriously. This calculator is a purely client-side tool — all calculations run locally in your browser. We do not collect, store, or transmit any financial data you enter.

We may collect the following information:
- Access log data (IP address, browser type, visit timestamp)
- Usage statistics (page views, feature interactions)
- Data collected via cookies and similar technologies

We use Vercel Analytics to collect anonymous usage statistics that help us improve the site experience.

We use cookies and similar technologies to improve your browsing experience.

Types of cookies we use:
- Essential cookies: Required for the website to function properly
- Analytics cookies: Help us understand how visitors use the site
- Advertising cookies: Used to display relevant ads (including Google AdSense)

You can manage or disable cookies through your browser settings, though this may affect certain features.

We use Google AdSense to display advertisements on this website. Google and its partners may use cookies to serve ads based on your prior visits to this site or other websites.

About Google AdSense:
- Google uses cookies to serve ads based on a user's prior visits to this and other websites
- You can opt out of personalized advertising by visiting Google Ad Settings
- You can also visit www.aboutads.info to opt out of third-party personalized advertising

For more information on how Google uses data, please visit the Google Privacy Policy at:
https://policies.google.com/privacy

If you are located in the European Economic Area (EEA), you have the following data protection rights:

Your rights include:
- Right to access: You have the right to request a copy of the personal data we hold about you
- Right to rectification: You have the right to request correction of inaccurate data
- Right to erasure: You have the right to request deletion of your personal data
- Right to restrict processing: You have the right to request that we limit processing of your data
- Right to data portability: You have the right to receive your data in a structured format
- Right to object: You have the right to object to our processing of your personal data

To exercise any of these rights, please contact us via our contact page.

If you are a California resident, under the CCPA you have the right to know what personal information we collect and to request deletion of your personal information.

We take appropriate technical and organizational measures to protect your information.

Our security practices include:
- HTTPS encryption for all data in transit
- Regular review and updates of security practices
- Restricted staff access to data
- Industry-standard security tools and protocols

While we strive to protect your data, no method of internet transmission is 100% secure.

This Privacy Policy is governed by the applicable laws of your jurisdiction.
For EU users, GDPR regulations apply.
For California residents, CCPA regulations apply.