1. Introduction
Calculatorbank.com (“we,” “us,” or “our”) is committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, disclose, and secure your information when you access our website (the “Site”) or use our services (collectively, the “Services”). By using our Site or Services, you consent to the practices described herein. If you do not agree with this Privacy Policy, please do not use our Site.
2. Information We Collect
2.1 Personal Information
We may collect personally identifiable information (PII) that you voluntarily provide when you:
- Register an account or subscribe to our newsletter.
- Fill out a contact or inquiry form.
- Use our financial calculators and other interactive tools.
Examples of PII include your name, email address, postal address, phone number, and financial data you input for calculation purposes.
2.2 Usage Data
Automatically, we collect non-personal information to help us analyze and improve our Services. This includes:
- IP address, browser type, and operating system.
- Pages you visit and the time spent on each page.
- Referring URLs and search queries.
- Device identifiers and geolocation data (when permitted by your device).
2.3 Cookies and Tracking Technologies
We use cookies, web beacons, and similar tracking technologies to:
- Enhance your user experience.
- Understand how you interact with our Site.
- Provide customized content and advertisements.
You can control cookie preferences through your browser settings; however, disabling cookies may affect certain functionalities of our Site.
2.4 Financial and Calculation Data
When you use our financial tools, we collect the information you provide (such as loan amounts, interest rates, and other parameters). This data is used solely to generate accurate calculation results and to improve our calculators.
3. How We Use Your Information
3.1 Providing and Enhancing Services
- To operate, maintain, and secure the Site.
- To deliver personalized calculator results and financial content.
- To monitor and analyze Site performance and user behavior.
3.2 Communication
- To send you account updates, newsletters, and promotional communications.
- To respond to your inquiries and provide customer support.
- To inform you about changes to our policies or Services.
3.3 Analytics and Research
We use aggregated usage data to conduct internal research and analysis. This helps us improve our Site, design better features, and tailor our content to your needs.
3.4 Legal and Regulatory Compliance
We may use and disclose your information when required by law or in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
4. Sharing and Disclosure of Your Information
4.1 Third-Party Service Providers
We share your information with trusted third-party vendors who:
- Provide technical support and site maintenance.
- Assist in data analysis and marketing efforts.
These third parties are contractually obligated to protect your data and only use it for the purposes specified.
4.2 Legal Obligations
We may disclose your information if required to do so by law, such as:
- Responding to subpoenas or other legal process.
- Protecting our rights, privacy, safety, or property or that of our users.
4.3 Business Transfers
In the event of a merger, acquisition, or sale of assets, your personal data may be transferred as part of the transaction. In such cases, we will ensure that the data remains protected under this Privacy Policy.
4.4 Aggregated and Anonymized Data
We may share aggregated or anonymized information that cannot reasonably be used to identify you with third parties for research, analysis, or industry benchmarking.
5. Data Security
We implement robust security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Data encryption (e.g., TLS/SSL) during transmission.
- Regular security assessments and monitoring.
- Access controls and authentication mechanisms.
While we take reasonable steps to secure your data, no security system is impenetrable, and we cannot guarantee absolute security.
6. Data Retention
We retain your personal information only for as long as necessary to:
- Fulfill the purposes for which it was collected.
- Comply with legal obligations and resolve disputes.
- Enforce our agreements and policies.
After the retention period, your data will be securely deleted or anonymized.
7. Your Rights and Choices
7.1 Access and Correction
You have the right to request access to the personal information we hold about you and to request corrections if you believe the information is inaccurate or incomplete.
7.2 Opting Out
You can opt-out of receiving marketing communications by following the unsubscribe instructions in our emails or by contacting us directly. Please note that opting out will not affect your ability to use our Services.
7.3 Deletion
Subject to legal or contractual restrictions, you may request that we delete your personal information. Requests for deletion should be directed to our contact information provided below.
7.4 Managing Cookies
Most browsers allow you to control cookies through their settings. You can choose to disable cookies, though this may affect your experience on our Site.
7.5 Do Not Track
Currently, our Site does not respond to “Do Not Track” signals. We recommend adjusting your browser settings if you wish to limit tracking.
8. International Data Transfers
Your personal information may be transferred to, stored, and processed in countries outside your home jurisdiction. By using our Site, you consent to the transfer of your information to jurisdictions that may have different data protection laws than your country.
9. Children’s Privacy
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover that we have inadvertently collected such data, we will take prompt steps to delete it.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The revised policy will be posted on our Site with a new “Effective Date.” We encourage you to review this Privacy Policy regularly to stay informed about our data protection practices.
11. Contact Information
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us using the following details:
- Email: support@calculatorbank.com