Privacy Policy

LoanCalc Pro is designed with privacy in mind. We collect minimal information to provide our service.

Information you provide directly:

• Contact Form Data: If you contact us, we collect your name, email address, and message content — used only to respond to your inquiry.
• Email Communications: If you email us directly, we retain those communications to respond to your request.

Information collected automatically:

• Usage Data: Anonymized data on pages visited, time spent, and buttons clicked.
• Device & Browser Info: Browser type, operating system, screen resolution, and language settings for analytics.
• IP Address: Logged for security and analytics. Not linked to personal identities.
• Referral Information: How you arrived at our site (e.g., from a search engine).

We use the information we collect for the following purposes:

• To provide and improve our services — understanding how users interact with our tools helps us improve them.
• To respond to inquiries — your contact details are used solely to reply to your message.
• To display relevant advertising — we use Google AdSense, which requires cookies (see Section 4).
• To analyze website performance — analytics tools help us understand traffic and improve our tools.
• To ensure security — monitoring traffic to prevent abuse, spam, or malicious activity.
• To comply with legal obligations — we may use or disclose information if required by law.

We will never use your information for purposes not listed here without your explicit consent.

Cookies are small text files stored on your device. We use the following types:

• Essential Cookies: Required for the website to function correctly. Cannot be disabled.
• Analytics Cookies: Used by Google Analytics to collect anonymized data on site usage.
• Advertising Cookies: Used by Google AdSense to display personalized ads based on browsing behavior.
• Preference Cookies: Remember your settings such as selected currency or loan type.

Managing Cookies: You can control cookies through your browser settings. You can also opt out of personalized advertising by visiting Google's Ad Settings.

LoanCalc Pro uses Google AdSense to display advertisements, allowing us to offer our tools completely free of charge.

• Google uses cookies to serve ads based on your prior visits to this and other websites.
• You may opt out of personalized advertising by visiting Ads Settings.
• Alternatively, opt out via the Network Advertising Initiative opt-out page.

We use the following third-party services that may collect data per their own privacy policies:

• Google Analytics — Privacy Policy
• Google AdSense — Privacy Policy
• Google Fonts — Privacy Policy
• Cloudflare CDN (Chart.js) — Privacy Policy

We are not responsible for the privacy practices of these third-party services.

We implement appropriate technical and organizational measures to protect your data:

• HTTPS Encryption: All data transmitted between your browser and our website is encrypted via SSL/TLS.
• Local Processing: All financial calculations are performed locally in your browser — no financial data is ever transmitted to our servers.
• Limited Data Collection: We minimize data collection to reduce risk.
• Access Controls: Only authorized personnel have access to any collected data.

While we take every precaution, no method of Internet transmission is 100% secure. We cannot guarantee absolute security but are committed to industry best practices.

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

• Right to Access — Request a copy of the personal data we hold about you.
• Right to Rectification — Request correction of inaccurate or incomplete data.
• Right to Erasure — Request deletion of your personal data ("right to be forgotten").
• Right to Object — Object to processing for marketing or profiling purposes.
• Right to Data Portability — Request your data in a structured, machine-readable format.
• Right to Withdraw Consent — Withdraw consent at any time for consent-based processing.
• CCPA Rights (California Residents) — Right to know, delete, and opt-out of the sale of personal information.
• GDPR Rights (EU/EEA Residents) — Rights under the General Data Protection Regulation.

To exercise any right, contact us at privacy@yourdomain.com. We will respond within 30 days.

LoanCalc Pro is not directed to 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 at privacy@yourdomain.com and we will promptly delete such information.

We retain personal data only as long as necessary:

• Contact Form Submissions: Retained for up to 2 years.
• Analytics Data: Anonymized and retained up to 26 months (Google Analytics default).
• Server Logs: Retained for 90 days then automatically deleted.

You may request deletion of your data at any time by emailing privacy@yourdomain.com.

LoanCalc Pro may be hosted on servers in the United States or other countries. If you access our website from outside the US, your information may be transferred to and processed in countries with different data protection laws.

By using our website, you consent to this transfer. We take steps to ensure appropriate safeguards are in place in accordance with applicable privacy laws.

We may update this Privacy Policy from time to time. When we do, we will:

• Update the "Last Updated" date at the top of this page.
• Post a prominent notice on our website for material changes.
• Obtain your consent where required by law.

Your continued use of LoanCalc Pro after any changes constitutes acceptance of the updated policy.

For any questions, concerns, or data requests regarding this Privacy Policy:

• Privacy Email: privacy@yourdomain.com
• General Contact: Contact Form
• Website: yourdomain.com

We respond to all privacy-related inquiries within 30 days. For urgent matters, include "URGENT PRIVACY REQUEST" in your subject line.