Privacy Policy

1.1 Calculator Inputs

When you use our financial calculators, we may store your inputs locally on your device to:

• Save your calculation history for future reference
• Provide personalized financial insights
• Enable goal tracking and progress monitoring
• Improve your user experience across sessions

1.2 Technical Information

We automatically collect certain technical information:

• Browser type and version
• Device information (type, screen size, operating system)
• IP address and general location
• Usage patterns and performance metrics
• Error logs and diagnostic information

1.3 Optional Account Information

If you choose to create an account, we may collect:

• Email address for account management
• Name or username (optional)
• Profile preferences and settings
• Financial goals and targets you set

2.1 Core Functionality

• Provide accurate financial calculations and projections
• Save and retrieve your calculation history
• Track your financial goals and progress
• Generate personalized financial reports
• Enable sharing of calculations (with your explicit consent)

2.2 Service Improvement

• Analyze usage patterns to improve our calculators
• Identify and fix technical issues
• Develop new features based on user needs
• Optimize performance and user experience

2.3 Communication (Optional)

• Send important service updates
• Provide educational financial content (if subscribed)
• Respond to your support requests
• Notify about new features or calculators

3.1 Technical Safeguards

• HTTPS encryption for all data transmission
• Local storage for sensitive calculation data
• Regular security audits and updates
• Secure cloud infrastructure (Microsoft Azure)
• Data minimization principles

3.2 Access Controls

• Limited employee access to user data
• Multi-factor authentication for our systems
• Regular access reviews and monitoring
• Principle of least privilege

3.3 Data Retention

• Local data: Retained until you clear browser data
• Account data: Retained while your account is active
• Analytics data: Aggregated and anonymized after 24 months
• Support communications: Retained for 3 years

4.1 Service Providers

We may share limited data with trusted service providers who help us operate our service:

• Microsoft Azure (cloud hosting and database services)
• Analytics providers (anonymized usage data only)
• Customer support tools
• Security monitoring services

4.2 Legal Requirements

We may disclose information if required by law or to:

• Comply with legal processes or government requests
• Protect our rights and property
• Ensure user safety and security
• Investigate potential violations of our terms

5.1 Data Control

• Access your stored data at any time
• Export your calculation history and goals
• Delete specific calculations or all data
• Modify your account settings and preferences

5.2 Privacy Controls

• Use our calculators without creating an account
• Disable data collection in your browser settings
• Clear local storage to remove all saved data
• Opt-out of analytics tracking

5.3 Account Management

• Update your profile information
• Change your communication preferences
• Request account deletion
• Download your data before deletion

Essential Cookies

• Session management and security
• User preferences and settings
• Language and theme selection

Analytics Cookies (Optional)

• Anonymous usage statistics
• Performance monitoring
• Feature usage analytics