Privacy Policy

1. Data Sovereignty (Your Loan Data)

We utilize client-side processing. This means any numbers you enter into our calculators (balances, interest rates, payment amounts) are processed locally on your device.

• No Financial Storage: We do not store or transmit your loan details.
• No Account Linking: We never ask for bank logins or account numbers.

2. Digital Identifiers & Analytics

To improve site performance, we use Google Analytics. This service collects "Usage Data" such as your IP address (anonymized), browser type, and page interaction patterns. This data helps us understand which tools are most helpful to our users.

3. Advertising & Cookie Compliance

To keep our tools free, we serve advertisements via Google AdSense. This involves the use of cookies and tracking technologies.

• Personalized Ads: Google uses cookies to serve ads based on your visits to this and other sites.
• Control: You may opt-out of personalized advertising by visiting Google Ad Settings.
• Global Privacy Control (GPC): Our site is designed to respect GPC signals sent by your browser.

4. CCPA & CPRA Disclosure (California Residents)

Under the California Consumer Privacy Act, you have the right to know what data is collected and the right to opt-out of the "sale or sharing" of personal information. While we do not "sell" your data in the traditional sense, using third-party ad cookies may be considered "sharing" under California law. You may exercise your right to limit this via your browser's privacy settings or by rejecting non-essential cookies.

5. Data Retention

We do not maintain user accounts. Analytics data is retained by Google according to their standard retention policies (typically 14-26 months) before being automatically deleted.

6. Third-Party Links

Our tools or articles may link to external financial institutions or resources. We are not responsible for the privacy practices of these third parties.