Privacy Notice

1) What We Do (and Don’t) Collect

We do not operate user accounts or store user-specific financial inputs on our servers. Calculators run in your browser. Please do not submit sensitive personal information via the site.

2) Analytics

We use Google Analytics on the live production site to understand aggregate usage and improve the service. Analytics is disabled on localhost during development and testing. We enable IP anonymisation and do not enable advertising features.

Google Analytics may collect information such as browser type, pages visited, time spent on pages, and approximate location (based on IP). We do not use analytics to build individual profiles. If you do not consent to analytics cookies (see below), Google Analytics will not load.

3) Cookies & Consent (EU/EEA)

Non-essential cookies (e.g., Google Analytics) are set only if you choose Accept on our cookie banner. Reject is as easy as Accept. You can revisit your choice at any time via “Cookie Settings” in the site footer. If you reject, analytics will not run.

If we switch to a cookie-free analytics provider, this banner may be removed; this page will be updated accordingly. See also our Terms for an overview of analytics posture.

4) Advertising

We may show advertisements provided by third-party ad networks. Those providers may use cookies or similar technologies for ad delivery, frequency capping, and measurement. In regions where consent is required (e.g., EU/EEA), ad-related cookies will only be set if you choose Accept on our banner; you can later change your choice via “Cookie Settings” in the footer. If you do not consent, ad cookies will not be set.

Some affiliate programmes may also use cookies or similar identifiers to attribute commissions; these will likewise only run after consent where required. For details about third-party practices, please see the privacy policies of the respective ad or affiliate providers.

5) Third-Party Links

Our site contains links to third-party websites (including affiliate partners). These sites have their own privacy policies and practices. We do not control or endorse third-party sites and are not responsible for their content or practices.

6) Your Rights

If you are in the EU/EEA (including Ireland), you may have rights under GDPR such as access, correction, or deletion of personal data. As we do not run user accounts or store your calculator inputs server-side, these rights generally concern analytics data. You can also opt out of analytics at any time via the cookie banner or your browser’s cookie settings.

7) Contact

Questions about privacy? Contact: contact@yourdomain.com (replace with your actual contact before launch).