Privacy Policy

Last Updated: November 23, 2025

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Use our financial calculators and tools
• Subscribe to our newsletter
• Contact us for support

This information may include:

• Name and contact information (email address, phone number)
• Financial information (for calculation purposes only)
• Account credentials
• Communication preferences

1.2 Automatically Collected Information

When you access our platform, we automatically collect certain information about your device and usage patterns:

• IP address and location data
• Browser type and version
• Device information
• Pages visited and time spent on pages
• Referring website addresses
• Clickstream data

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience. These technologies help us:

• Remember your preferences
• Understand how you use our platform
• Improve our services
• Provide personalized content

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, maintain, and improve our financial tools and calculators
• Personalization: To customize your experience and provide relevant content
• Communication: To send you updates, newsletters, and respond to inquiries
• Analytics: To analyze usage patterns and improve platform performance
• Security: To detect, prevent, and address technical issues and security threats
• Legal Compliance: To comply with applicable laws and regulations
• Marketing: To send you promotional materials (with your consent)

3. Data Sharing and Disclosure

We may share your information in the following circumstances:

3.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our platform, including:

• Cloud hosting providers
• Analytics services
• Email service providers
• Payment processors

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to:

• Valid legal processes (subpoenas, court orders)
• Government requests
• Protection of our rights and property
• Emergency situations involving safety

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: We use SSL/TLS encryption for data transmission
• Access Controls: Limited access to personal information by authorized personnel only
• Regular Audits: Periodic security assessments and updates
• Secure Storage: Data stored on secure servers with backup systems

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Privacy Rights

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

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt-out of marketing communications
• Data Portability: Request a copy of your data in a portable format
• Objection: Object to certain types of data processing

To exercise these rights, please contact us using the information provided below.

6. Children's Privacy

Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

8. Third-Party Links

Our platform 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.

9. Cookie Policy

You can control cookie settings through your browser preferences. Note that disabling cookies may affect platform functionality. We use the following types of cookies:

• Essential Cookies: Necessary for platform operation
• Functional Cookies: Remember your preferences
• Analytics Cookies: Help us understand usage patterns
• Marketing Cookies: Used for targeted advertising (with consent)

10. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

11. Updates to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Posting the updated policy on our platform
• Updating the "Last Updated" date
• Sending email notifications for material changes

Your continued use of our platform after changes constitutes acceptance of the updated policy.

12. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

13. GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

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