Privacy Policy

1. Information We Collect

We are committed to protecting your privacy. Here's what we collect:

1.1 No Personal Data Collection

We do not collect, store, or process any personal information including:

• Name, email, phone number, or address
• Financial information or transaction data
• Bank account or credit card details
• Government identification numbers

1.2 Technical Information (Optional)

With your consent, we may collect anonymous technical data:

• Browser type and version - For compatibility optimization
• Device information - For responsive design improvements
• Usage analytics - Anonymous page view statistics (only if cookies accepted)
• Error reports - To fix bugs and improve performance

2. Cookies & Tracking

2.1 Essential Cookies

We use essential cookies for:

• Remembering your cookie preferences
• Maintaining session security
• Storing calculator settings locally

2.2 Optional Cookies

We only use optional cookies if you explicitly accept them:

• Analytics Cookies - Google Analytics (anonymous)
• Performance Cookies - Monitor page speed
• Functional Cookies - Remember preferences

2.3 Third-Party Cookies

We do not use third-party advertising or tracking cookies.

3. Data Security

3.1 Local Processing

All financial calculations happen locally in your browser. Your data never leaves your device.

3.2 No Data Storage

We do not have databases storing user information. There's no risk of data breaches.

3.3 HTTPS Encryption

Our site uses SSL/TLS encryption to protect all communications between your browser and our server.

4. Data Sharing

We do not sell, trade, or share your data with third parties. The only exceptions:

• Legal Requirements - If required by law
• Service Providers - Anonymous analytics (if consented)
• Business Transfers - In case of acquisition

5. Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect any information from children under 13.

6. Your Rights

You have the right to:

• Access any data we might have
• Request deletion of data
• Opt-out of analytics
• Manage cookie preferences
• Export your calculation data

7. Contact Information

For privacy-related questions or concerns:

8. Policy Updates

We may update this policy periodically. Significant changes will be announced on our website.