Privacy Policy

1. Introduction

EFinanceCalculator ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains our practices regarding the collection, use, and disclosure of information when you use our website at efinancecalculator.com (the "Service").

By using our Service, you agree to the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.

2. Information We Do NOT Collect

All calculator computations are performed locally in your web browser using JavaScript. No data is transmitted to our servers for processing.

3. Information We May Collect

3.1 Server Logs

Our hosting provider (Cloudflare Pages) may log minimal technical information for security and reliability, such as IP address, user agent, and requested URLs. We do not combine these logs with your calculator inputs.

3.2 Contact Information

If you email us, we receive your email address and the content of your message. We use this information only to respond to your inquiry and do not add it to any marketing list.

4. Cookies and Advertising

4.1 Our Own Cookies

We do not set first-party cookies of our own, and we do not store your calculator inputs in cookies or local storage. Your financial inputs never leave your browser.

4.2 Third-Party Advertising Cookies (Google AdSense)

This website is supported by advertising served through Google AdSense. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites on the Internet.

• Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the Internet.
• You may opt out of personalized advertising by visiting Google Ads Settings.
• You can opt out of some third-party vendors' use of cookies for personalized advertising by visiting www.aboutads.info/choices (or, in the EU, www.youronlinechoices.com).

For more details on how Google uses data when you use our site, see How Google uses information from sites or apps that use our services. You can also manage or block cookies through your browser settings, though this may affect how ads are displayed.

5. Data Security

We implement appropriate technical and organizational measures to protect any information we may collect:

• SSL/TLS encryption for all data transmission
• Regular security audits and updates
• Secure hosting infrastructure

6. Third-Party Services

We rely on third‑party infrastructure to deliver the site:

• Hosting & CDN: Cloudflare Pages and its CDN to serve static files quickly and securely
• Advertising: Google AdSense to display ads that keep our calculators free. Google acts as a third-party vendor and uses cookies as described in Section 4. See the Google Privacy Policy.

These providers may maintain technical logs for security and performance. See their privacy notices for details.

7. Users in the EEA, UK, and Switzerland (Consent to Advertising)

If you visit from the European Economic Area, the United Kingdom, or Switzerland, the GDPR and equivalent laws apply to how advertising cookies may be used:

• Consent for personalized ads: Google serves personalized ads in these regions only where consent has been obtained. Where consent is not given, Google may serve non-personalized ads, which use cookies solely for frequency capping, aggregate reporting, and combating fraud — not for ad targeting.
• Withdrawing consent: You can change or withdraw your advertising choices at any time via Google Ads Settings or Your Online Choices, or by clearing cookies in your browser.
• Legal basis: Personalized advertising relies on your consent; security logs and fraud prevention rely on legitimate interest (Art. 6(1)(f) GDPR).
• Your GDPR rights: You have the right to access, rectify, erase, restrict, or object to the processing of your personal data, the right to data portability, and the right to lodge a complaint with your local supervisory authority.

Because our calculators run entirely in your browser, we ourselves hold no personal financial data about you. Requests about advertising data should be directed to Google via the links above; anything else, contact us using Section 11.

8. Children's Privacy

Our Service is not directed to children under 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.

9. Your Rights

Depending on your location, you may have certain rights regarding your information:

• Right to access any personal information we may have
• Right to correction of inaccurate information
• Right to deletion of your information

10. Changes to This 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. Your continued use of the Service after any changes indicates your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: