Privacy Policy

Overview

CalcWise ("we," "our," or "us") respects your privacy. This policy explains what information we collect, how we use it, and your choices. We keep things straightforward because that's how it should be.

Information We Collect

Calculator inputs: The numbers you enter into our calculators (loan amounts, interest rates, etc.) are processed entirely in your browser. We do not store, transmit, or have access to your calculator inputs.

Email address: If you subscribe to our newsletter or download a free guide, we collect your email address. This is the only personal information we ask for, and you provide it voluntarily.

Analytics data: We use privacy-friendly analytics to understand how visitors use the site. This includes general information like page views, referral sources, and device type.

Account information: If you create an account, we collect the information you provide during registration, such as your name and email address.

Cookies and Advertising Technology

What are cookies: Cookies are small text files that websites place on your device to store information. They help websites remember your preferences and understand how you interact with the site.

Google AdSense: We use Google AdSense to display advertisements on our site. Google AdSense uses cookies to serve ads based on your prior visits to this website and other websites on the internet. Specifically, Google uses the DoubleClick cookie to enable it and its partners to serve ads based on your visit to CalcWise and other sites on the internet.

Third-party vendor cookies: Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website and other websites. These third-party ad servers or ad networks use technology to deliver the advertisements and links that appear on CalcWise directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or web beacons) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and to personalize the advertising content you see.

CalcWise has no access to or control over cookies that are used by third-party advertisers. You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices, as well as for instructions about how to opt out of certain practices.

You can view Google's advertising privacy and terms at Google Advertising Policies. A list of Google's advertising technology providers is available at Google's Ad Technology Providers.

How We Use Your Information

Email: When you provide your email address, we add you to our mailing list managed by Mailchimp. We use it to send you a weekly newsletter with financial tips and tools. We may also send you the free PDF guide you requested at the time of signup.

Analytics: We use aggregated analytics data to understand which calculators and articles are most useful, so we can improve the site and create better content.

Third-Party Services

We use the following third-party services:

• Google AdSense — advertising and ad personalization using cookies
• Mailchimp — email newsletter management
• Umami Analytics — privacy-friendly website analytics
• Stripe — payment processing for premium features

Each of these services has their own privacy policy governing how they handle data. We encourage you to review them if you have questions about their practices.

Your Choices

Opt out of personalized ads: You can opt out of personalized advertising by visiting Google's Ad Settings. You may also opt out of third-party vendor use of cookies for personalized advertising by visiting www.aboutads.info/choices or the Network Advertising Initiative opt-out page.

Disable cookies: You can set your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the site may not function properly without cookies.

Unsubscribe: Every email we send includes an unsubscribe link. Click it and you're removed from our list immediately.

Data deletion: If you'd like us to delete your email address or account from our records, contact us and we'll take care of it promptly.

Data Security

We take reasonable measures to protect the information we collect. Our site uses HTTPS encryption, and we limit access to personal data (email addresses) to the services that need it to function.

Children's Privacy

CalcWise is not directed at children under 13. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can take appropriate action.

California Residents (CCPA)

If you are a California resident, you have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, to request deletion of your personal information, and to opt out of the sale of your personal information.

CalcWise does not sell personal information. To exercise your rights under the California Consumer Privacy Act, please contact us at [email protected].

Changes to This Policy

If we make meaningful changes to this policy, we'll update the "Last updated" date at the top. We recommend checking back occasionally.

Contact

Questions about this policy? Reach out to us at [email protected].