Introduction

Simple Calcs ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information when you use our financial calculators and website located at simple-calcs.com (the "Service").

Information We Collect

Information You Provide

Our calculators are designed to work entirely in your browser. When you use our financial calculators:

• Calculator inputs: All values you enter (loan amounts, interest rates, etc.) are processed locally in your browser and are not transmitted to our servers
• Local storage: Your calculator inputs may be saved in your browser's local storage to remember your preferences for future visits
• No account required: We do not currently require user accounts or collect personal information like names, addresses, or financial account details

Automatically Collected Information

We automatically collect certain information when you visit our Service:

• Usage analytics: We use Google Analytics to understand how visitors use our calculators and website
• Device information: Browser type, operating system, screen resolution, and device type
• Website interaction: Pages visited, time spent on pages, clicks, and calculator usage patterns
• IP address: Your IP address for analytics and security purposes (anonymized where possible)

How We Use Your Information

We use the collected information for the following purposes:

• Service operation: To provide and maintain our calculator functionality
• User experience: To improve our calculators and website based on usage patterns
• Analytics: To understand which calculators are most useful and how to improve them
• Advertising: To display relevant advertisements through Google AdSense
• Security: To protect against abuse and ensure service availability

Third-Party Services

Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics may collect information such as your IP address, browser type, and pages visited. This information is used to generate reports about website activity.

You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Google AdSense

We use Google AdSense to display advertisements on our website. Google AdSense may use cookies and similar technologies to show you personalized ads based on your interests and previous visits to our site and other websites.

You can control ad personalization through your Google Ads Settings.

Content Delivery Networks

We may use content delivery networks (CDNs) to serve website assets faster. These services may collect basic usage information.

Data Storage and Security

We implement appropriate security measures to protect information against unauthorized access, alteration, disclosure, or destruction:

• Local processing: Calculator computations happen in your browser, not on our servers
• HTTPS encryption: All data transmission is encrypted using SSL/TLS
• Limited data collection: We minimize the personal information we collect and store
• Secure hosting: Our website is hosted on secure, regularly updated infrastructure

Cookies and Local Storage

We use the following types of cookies and local storage:

• Essential cookies: Required for website functionality
• Analytics cookies: Used by Google Analytics to track website usage
• Advertising cookies: Used by Google AdSense for ad personalization
• Local storage: To remember your calculator inputs between visits

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality.

Your Rights and Choices

You have the following rights regarding your information:

• Access: You can request information about data we have collected
• Deletion: You can clear your local storage and request deletion of any data we maintain
• Opt-out: You can opt out of analytics tracking and personalized advertising
• Browser controls: You can disable cookies and local storage through your browser settings

Children's Privacy

Our Service is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.

Changes to This Privacy 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. We encourage you to review this Privacy Policy periodically for any changes.

International Users

Our Service is operated from the United States. If you are accessing our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.