Privacy Policy

1. Introduction & Commitment to Privacy

At FinCalc Studio ("we", "our", or "us"), accessible from this web application, the privacy of our visitors is one of our extreme priorities. This Privacy Policy document outlines the types of information that are collected and recorded by FinCalc Studio and how we utilize and safeguard that data in compliance with international privacy laws and Google AdSense Publisher Policies.

If you have additional questions or require more information about our Privacy Policy, please contact us through our official contact portal.

2. 100% Client-Side Computational Processing

FinCalc Studio operates as a client-side computational platform. All numeric variables, financial balances, income figures, mortgage amounts, and mathematical calculations you enter into our financial utility calculators are processed strictly inside your local web browser using client-side JavaScript. We do not transmit, log, record, or store your private financial calculations on external servers or backend databases.

3. Log Files & Standard Analytics

FinCalc Studio follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this as part of hosting services' analytics. The information collected by log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.

4. Google AdSense & DoubleClick DART Cookies

Google is one of the third-party vendors on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to this website and other sites on the internet.

5. Third-Party Advertising Partners & Privacy Policies

Some advertisers on our site may use cookies and web beacons. Our advertising partners include Google AdSense and its certified advertising exchange partners. Each of our advertising partners has their own Privacy Policy for their policies on user data.

Third-party ad servers or ad networks use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on FinCalc Studio, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that FinCalc Studio has no access to or control over these cookies that are used by third-party advertisers.

6. GDPR Data Protection Rights (European Union)

We want to make sure you are fully aware of all of your data protection rights under the General Data Protection Regulation (GDPR). Every user is entitled to the following:

• The right to access: You have the right to request copies of your personal data.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure: You have the right to request that we erase your personal data under certain conditions.
• The right to restrict processing: You have the right to request that we restrict the processing of your personal data.
• The right to data portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you.

7. California Consumer Privacy Act (CCPA / CPRA) Rights

Under the CCPA/CPRA, California consumers have the right to:

• Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
• Request that a business delete any personal data about the consumer that a business has collected.
• Request that a business that sells or shares a consumer's personal data, not sell or share the consumer's personal data. (FinCalc Studio does not sell personal user information).

8. Children's Information Protection (COPPA Compliance)

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. FinCalc Studio does not knowingly collect any Personal Identifiable Information from children under the age of 13.

9. Consent

By using our website, you hereby consent to our Privacy Policy and agree to its Terms and Conditions.