Plain-English Summary: We don't sell your data. We use cookies for analytics and advertising. Your calculator inputs stay in your browser. You can contact us anytime at [email protected].

1. Introduction

DebtCalcs.com ("we," "us," or "our") operates the website located at www.debtcalcs.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this policy carefully. If you do not agree with the terms of this policy, please do not access the Site.

2. Information We Collect

Information You Provide Voluntarily

We may collect personal information that you voluntarily provide when you use our contact form, including your name, email address, and the content of your message. We do not require you to create an account to use our calculators.

Calculator Data

When you use our financial calculators, the data you enter (such as loan amounts, interest rates, and income figures) is processed entirely within your web browser. This data is not transmitted to our servers. Some features use your browser's local storage to save your inputs for convenience, but this data remains on your device and is never sent to us.

Automatically Collected Information

When you visit the Site, we automatically collect certain information about your device, including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates and times of your visits. This information is collected through cookies, log files, and similar tracking technologies.

3. How We Use Your Information

We use the information we collect to:

Operate, maintain, and improve the Site
Respond to your comments, questions, and requests
Monitor and analyze usage trends and preferences
Detect, prevent, and address technical issues
Serve relevant advertisements through third-party ad networks
Comply with legal obligations

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Site and hold certain information. Cookies are files with a small amount of data that are sent to your browser from a website and stored on your device.

Types of Cookies We Use

Type	Purpose	Provider
Essential	Required for the Site to function properly	DebtCalcs
Analytics	Help us understand how visitors use the Site	Google Analytics, Umami
Advertising	Serve relevant ads and measure ad performance	Google AdSense (future)

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of the Site may not function properly.

5. Third-Party Services

We use the following third-party services that may collect information about you:

Google Analytics (GA4): Collects anonymized usage data to help us understand traffic patterns. Google's Privacy Policy
Umami Analytics: Privacy-focused, cookie-free analytics. Does not collect personal data.
Web3Forms: Processes contact form submissions. Web3Forms Privacy Policy

We may also display advertisements served by third-party advertising networks (such as Google AdSense) in the future. These networks may use cookies and similar technologies to serve ads based on your prior visits to our Site or other websites.

6. Data Retention

We retain personal information collected through our contact form only as long as necessary to respond to your inquiry and for our legitimate business purposes. Analytics data is retained in aggregated, anonymized form. Calculator data stored in your browser's local storage remains until you clear your browser data.

7. Your Rights

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

Access: Request a copy of the personal information we hold about you
Correction: Request that we correct inaccurate or incomplete information
Deletion: Request that we delete your personal information
Opt-out: Opt out of receiving marketing communications
Data portability: Request a copy of your data in a portable format

To exercise any of these rights, please contact us at [email protected].

8. Children's Privacy

Our Site is not intended for children under the age of 13. 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 and we will delete such information.

9. Security

We use commercially reasonable measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

10. 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. You are advised to review this page periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Email: [email protected]

Website: www.debtcalcs.com/contact