Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your information.

Effective Date: January 1, 2024

Last Updated: January 1, 2024

Introduction

FinanceTools.info ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website financetools.info (the "Service") and use our financial calculators and tools.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

Information We Collect

Information You Provide

We may collect information that you voluntarily provide to us, including:

  • Contact Information: If you contact us through our contact form, we may collect your name, email address, and message content.
  • Calculator Inputs: The financial data you enter into our calculators (loan amounts, interest rates, etc.). However, this information is processed locally in your browser and is not transmitted to or stored on our servers unless you specifically choose to save or share results.
  • Feedback: Any feedback, suggestions, or other communications you send to us.

Information Automatically Collected

When you visit our Service, we may automatically collect certain information about your device and usage patterns:

  • Log Data: Information that your browser sends whenever you visit our Service, including your IP address, browser type and version, pages visited, time and date of visit, and time spent on pages.
  • Device Information: Information about the device you use to access our Service, including device type, operating system, and unique device identifiers.
  • Cookies and Tracking Technologies: We use cookies and similar tracking technologies to enhance your experience and analyze website usage.

How We Use Your Information

We use the information we collect for the following purposes:

  • Provide and Maintain the Service: To operate and maintain our website and financial calculators.
  • Improve Our Service: To understand how users interact with our tools and make improvements.
  • Communication: To respond to your inquiries, feedback, and support requests.
  • Analytics: To analyze usage patterns and improve user experience.
  • Legal Compliance: To comply with applicable laws and regulations.
  • Security: To protect against fraud, abuse, and security threats.

Financial Calculator Data

Important: The financial information you enter into our calculators (such as loan amounts, income figures, investment values) is processed locally in your web browser. This means:

  • Your calculation data is not transmitted to our servers
  • We do not store your personal financial information
  • Your calculations remain private to you
  • When you close your browser or navigate away, your input data is not retained by us

Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Improve website functionality and user experience
  • Provide targeted advertising through third-party services

Types of Cookies We Use

  • Essential Cookies: Necessary for the website to function properly
  • Performance Cookies: Help us understand how visitors use our website
  • Functional Cookies: Remember your preferences and personalize your experience
  • Advertising Cookies: Used by advertising partners to deliver relevant ads

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

Third-Party Services

Google AdSense

We use Google AdSense to display advertisements on our website. Google AdSense may use cookies and other tracking technologies to:

  • Display personalized advertisements based on your interests
  • Measure ad performance and effectiveness
  • Prevent fraud and abuse

You can opt out of personalized advertising by visiting Google Ad Settings.

Google Analytics

We may use Google Analytics to analyze website usage and improve our Service. Google Analytics collects information about your use of our website and creates reports for us. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties, except in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or serving our users, provided they agree to keep this information confidential.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

Business Transfers

In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the transaction.

Protection of Rights

We may disclose information to protect our rights, property, or safety, or that of our users or others.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Since most of your financial calculation data is processed locally and not stored on our servers, this data is not retained by us.

Your Rights and Choices

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

  • Access: Request access to your personal information
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your personal information
  • Portability: Request a copy of your information in a structured format
  • Objection: Object to processing of your information
  • Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section below.

Children's Privacy

Our Service is not intended for 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 so we can delete such information.

International Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

Changes to This Privacy Policy

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

  • Update the "Last Updated" date at the top of this policy
  • Post the updated policy on our website
  • Notify users of significant changes through our website or other appropriate means

Your continued use of our Service after any changes indicates your acceptance of the updated Privacy Policy.

Contact Us

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

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

  • Right to know what personal information is collected, used, shared, or sold
  • Right to delete personal information held by us
  • Right to opt-out of the sale of personal information (we do not sell personal information)
  • Right to non-discrimination for exercising CCPA rights

European Union Rights

If you are in the European Union, you have rights under the General Data Protection Regulation (GDPR), including:

  • Right to access your personal data
  • Right to rectify inaccurate personal data
  • Right to erase your personal data
  • Right to restrict processing
  • Right to data portability
  • Right to object to processing
  • Right to withdraw consent

Note: This Privacy Policy is designed to be comprehensive and compliant with major privacy regulations. However, privacy laws vary by jurisdiction and change over time. We recommend consulting with legal counsel for specific privacy compliance requirements in your jurisdiction.