Privacy Policy

1. Introduction

aFinanceCalculator ("we", "our", or "us") operates the website located at https://afinancecalculator.com. This Privacy Policy informs visitors and users ("you") regarding our policies concerning the collection, use, and disclosure of personal information when using our financial computing engines, and the choices you have associated with that data.

2. Financial Calculation Inputs & LocalStorage

When you input data into our 50 financial engines (e.g., mortgage balances, down payments, interest rates, tax estimates, cryptocurrency leverage, or debt amounts):

• All mathematical computations happen instantly on your client device using native JavaScript.
• If you choose to use the "Save Scenario" or "Calculation History" features, your preferences and inputs are stored strictly in your browser's private localStorage space.
• You can erase all saved calculation history at any time with a single click using the "Clear All" button in the History Drawer.
• No server-side database exists to receive or record your calculations.

3. Google AdSense, DoubleClick & Advertising Cookies

To maintain our platform as 100% free and open-access to users globally without charging subscriptions or fees, we may display third-party advertisements served by Google AdSense. Google's policies require the following explicit disclosures:

4. Server Logs & Basic Analytics

Like most web services, our web hosting infrastructure may record standard non-identifying server request logs, including your device's Internet Protocol (IP) address, browser type, browser version, the pages of our site that you visit, the time and date of your visit, and time spent on pages. This telemetry is utilized solely to ensure high-speed server uptime, mitigate DDoS attacks, and diagnose infrastructure health.

5. European Economic Area (EEA) & UK Users (GDPR)

If you reside in the European Economic Area or the United Kingdom, you have guaranteed statutory rights under the General Data Protection Regulation (GDPR) and UK GDPR, including:

• The right to access, rectify, or request erasure of any personal telemetry data.
• The right to object to or restrict processing of personal information.
• The right to data portability.
• The right to withdraw consent at any time for non-essential cookies or personalized advertising.

Because we do not maintain user accounts or personal profiles, we hold zero identifiable financial records. For any inquiries regarding telemetry logs or rights requests, contact us at support@afinancecalculator.com.

6. California Residents (CCPA / CPRA Notice)

Under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), California consumers possess the right to know what personal information is collected, request deletion, and opt out of the sale or sharing of personal information.

7. Children's Privacy (COPPA Compliance)

Our service does not address anyone under the age of 13 ("Children"). We do not knowingly collect personally identifiable information from children under 13. If you become aware that a child has provided us with personal information, please contact us immediately.

8. Updates to This Policy

We may update our Privacy Policy periodically to reflect technological, operational, or legal evolutions. Any modifications will be posted on this page with an updated "Effective Date".