Privacy Policy

Introduction

Welcome to FinancialCalcs ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our financial calculator tools.

By using FinancialCalcs, you consent to the data practices described in this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

Information We Collect

Calculator Data

Important: All calculations performed using our financial calculators (EMI calculator, SIP calculator, mortgage calculator, income tax calculator, etc.) are processed entirely in your browser. We do not collect, store, or transmit any financial data you enter into our calculators. Your loan amounts, interest rates, investment values, and other financial information remain completely private and never leave your device.

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing behavior:

• IP address and general location (country/city level)
• Browser type and version
• Operating system
• Device type (mobile, tablet, desktop)
• Pages visited and time spent on pages
• Referring website URLs
• Date and time of visits

Contact Form Information

If you contact us through our contact form, we collect your name, email address, subject, and message content. This information is used solely to respond to your inquiry and provide customer support.

Cookies and Local Storage

We use cookies and browser local storage to enhance your experience:

• Theme Preference: We store your dark/light mode preference in local storage
• Analytics Cookies: To understand how visitors use our site
• Functional Cookies: To remember your preferences and settings

How We Use Your Information

We use the collected information for the following purposes:

• Service Provision: To provide, operate, and maintain our financial calculator tools
• User Experience: To personalize your experience and remember your preferences
• Analytics: To understand how users interact with our calculators and improve functionality
• Communication: To respond to your inquiries and provide customer support
• Security: To detect, prevent, and address technical issues and fraudulent activity
• Compliance: To comply with legal obligations and protect our rights

Third-Party Services

We may use third-party services to help us operate our website and analyze usage:

Analytics Services

We may use analytics services (such as Google Analytics) to collect and analyze information about how visitors use our site. These services may use cookies to collect information about your visits and use of our website. This helps us understand user behavior, improve our calculators, and enhance overall user experience.

Content Delivery Networks (CDNs)

We use CDN services (such as jsDelivr, Google Fonts, Font Awesome) to deliver website content efficiently. These services may collect usage data to optimize content delivery.

Note: These third-party services have their own privacy policies. We recommend reviewing their policies to understand how they handle your data.

Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share information in the following limited circumstances:

• Service Providers: With trusted third-party service providers who assist in operating our website (analytics, hosting, etc.)
• Legal Requirements: When required by law, court order, or government regulation
• Protection of Rights: To protect our rights, property, or safety, or that of our users or others
• Business Transfers: In connection with any merger, sale of assets, or acquisition

Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• HTTPS encryption for secure data transmission
• Client-side processing of all calculator data
• Regular security assessments and updates
• Restricted access to personal information

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

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Objection: Object to our processing of your information
• Portability: Request transfer of your information to another service
• Withdraw Consent: Withdraw consent where we rely on it

To exercise these rights, please contact us through our contact page.

GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR):

• Right to be informed about data collection and use
• Right to data portability
• Right to lodge a complaint with a supervisory authority
• Right to restrict processing

We process personal data based on legitimate interests, consent, or contractual necessity. You may withdraw consent at any time.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

International Data Transfers

Our website may be accessed from various countries worldwide. If you access our service from outside your country of residence, please be aware that your information may be transferred to, stored, and processed in countries where our servers are located. By using our services, you consent to such transfers.

Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

We encourage you to review this Privacy Policy periodically. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: privacy@financialcalcs.com
• Contact Form: Contact Us Page