Privacy Policy

Last updated: January 2024

Your Privacy Matters

We are committed to protecting your privacy and ensuring the security of your personal information. This policy explains how we collect, use, and safeguard your data when you use our financial calculators.

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

  • Calculation Data: Financial information you enter into our calculators (loan amounts, interest rates, personal details, etc.)
  • Usage Data: Information about how you use our website, including pages visited and time spent on the site
  • Technical Data: IP address, browser type, device information, and other technical details
  • Contact Information: If you contact us, we may collect your name, email address, and any other information you provide

1.2 Cookies and Tracking

We use cookies and similar technologies to:

  • Remember your calculator inputs for your convenience
  • Analyze website traffic and usage patterns
  • Improve our website functionality and user experience

2. How We Use Your Information

We use the information we collect for the following purposes:

  • Service Provision: To provide and operate our financial calculators
  • Personalization: To remember your preferences and improve your experience
  • Analytics: To understand how our website is used and make improvements
  • Communication: To respond to your inquiries and provide customer support
  • Legal Compliance: To comply with applicable laws and regulations

3. Data Storage and Security

3.1 Data Storage

Your calculation data is stored securely using industry-standard encryption. We use:

  • AWS DynamoDB for secure data storage
  • Encryption in transit and at rest
  • Regular security audits and updates

3.2 Data Retention

We retain your data for as long as necessary to provide our services and comply with legal obligations. Calculation data is typically retained for a maximum of 2 years unless you request deletion.

4. Information Sharing

We do not sell, trade, or otherwise transfer your personal information to third parties, except in the following circumstances:

  • Service Providers: We may share data with trusted third-party service providers who assist us in operating our website (e.g., AWS for hosting and data storage)
  • Legal Requirements: We may disclose information if required by law or to protect our rights and safety
  • Business Transfers: In the event of a merger or acquisition, your information may be transferred to the new entity

5. Your Rights

Under applicable data protection laws, you have the following rights:

  • Access: Request access to your personal information
  • Rectification: Request correction of inaccurate or incomplete data
  • Erasure: Request deletion of your personal information
  • Portability: Request a copy of your data in a structured format
  • Objection: Object to processing of your personal information
  • Withdrawal of Consent: Withdraw consent where processing is based on consent

6. Third-Party Services

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

7. Children's Privacy

Our services are not directed to 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.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and that appropriate safeguards are in place.

9. 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 and updating the "Last updated" date. We encourage you to review this policy periodically.

10. Contact Us

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

  • Through our website contact form
  • By email (if available)

11. Data Protection Authority

You have the right to lodge a complaint with a supervisory authority if you believe we have not handled your personal information in accordance with applicable data protection laws.

This Privacy Policy is effective as of January 2024 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.