Privacy Policy

Information We Collect

Personal Information

We do not collect, store, or process any personal financial information. All calculations are performed locally in your browser and are not transmitted to our servers.

Local Storage

Our calculator uses your browser's local storage to save your calculation history for your convenience. This data remains on your device and can be cleared at any time through your browser settings or by using the "Clear History" button in the calculator.

Automatically Collected Information

• Browser type and version
• Operating system
• Pages visited and time spent
• Referring website
• IP address (anonymized)

How We Use Information

• Service Improvement: To understand how users interact with our calculators and improve functionality
• Technical Support: To identify and fix technical issues
• Analytics: To understand usage patterns and optimize user experience
• Security: To protect against abuse and ensure service availability

Cookies and Tracking

Essential Cookies

We use essential cookies to ensure the proper functioning of our website and to remember your preferences. These cookies are necessary for basic website functionality and cannot be disabled.

Analytics Cookies

We may use Google Analytics and other analytics services to understand how visitors use our site. These cookies help us:

• Track page views and user interactions
• Understand which features are most useful
• Identify technical issues
• Improve overall user experience

Advertising Cookies

We use Google AdSense to display relevant advertisements. These cookies may track your browsing behavior across websites to show personalized ads.

Third-Party Services

We use the following third-party services that may use cookies:

• Google Tag Manager: For managing tracking codes
• Google Analytics: For website analytics
• Google AdSense: For displaying advertisements
• Bootstrap CDN: For website styling
• Chart.js CDN: For displaying charts
• KaTeX CDN: For mathematical formula rendering

Managing Cookies

You can control and manage cookies in various ways:

• Browser settings: Most browsers allow you to refuse or delete cookies
• Opt-out tools: Google provides opt-out tools for their advertising cookies
• Privacy extensions: Browser extensions can block tracking cookies

Data Security

We implement appropriate security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information:

• All financial calculations are performed locally in your browser
• No sensitive financial data is transmitted to or stored on our servers
• We use HTTPS encryption for all communications
• Regular security updates and monitoring
• Secure hosting infrastructure with industry-standard protections
• Limited data retention policies

Data Retention

We retain collected information only for as long as necessary to provide our services and comply with legal obligations:

• Analytics data: Up to 26 months (Google Analytics default)
• Local storage data: Until cleared by user or browser
• Server logs: Up to 30 days for security purposes

Your Rights

Data Control

You have the following rights regarding your personal information:

• Access: Request information about data we collect
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a structured format
• Objection: Object to processing for direct marketing purposes
• Restriction: Request restriction of processing under certain circumstances

Since we don't store your personal financial data on our servers, you also have complete control over your calculation data:

• Clear your calculation history at any time
• Disable cookies through your browser settings
• Use the calculator without creating an account
• All calculations remain private on your device

Contact Information

If you have questions about this Privacy Policy or our data practices, you can reach us at:

• Email: support@interestratecalculator.app
• Location: Shenzhen, China
• Contact Form: Contact page

Third-Party Links

Our website may contain links to other websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any information.

Children's Privacy

Our service is not intended for children under 16 years of age. We do not knowingly collect personal information from children under 16. If we become aware that we have collected personal information from a child under 16, we will take steps to delete such information promptly.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can take appropriate action.