Privacy Policy

1. Introduction & Overview

At Interest Calculator (accessible at https://myinterestcalculator.com), safeguarding the privacy and confidentiality of our visitors is paramount. This Privacy Policy details the types of technical data we process, how third-party advertising partners function on our platform, and the robust measures we employ to guarantee your financial calculations remain strictly confidential.

2. Client-Side Calculation Guarantee (Zero Financial Data Retention)

Unlike conventional fintech platforms that require user registration, cloud database synchronization, or bank credentials, our computational architecture is engineered to run 100% client-side inside your web browser:

• No Server Transmission: Principal amounts, interest rates, tenures, monthly contributions, and prepayments you input into any calculator slider or form field remain exclusively in your local device RAM.
• Zero Financial Databases: We do not operate databases storing user financial profiles, credit inquiries, or wealth forecasts.
• Instant Destruction: As soon as you refresh the page or close your browser tab, all calculated variables and amortization schedules are immediately discarded from memory.

3. Informational & Calculation Purpose Only (Zero Liability for Profit or Loss)

While this Privacy Policy outlines our strict user privacy protocols, visitors must understand the fundamental operating purpose of Interest Calculator:

• Educational & Computational Convenience: All calculation scripts, loan amortization schedules, compounding forecasts, and educational articles are provided strictly for general knowledge and personal illustrative convenience.
• Zero Liability for Profit or Loss: Under no legal theory or circumstance shall Interest Calculator, its creators, maintainers, contributors, or hosting providers be held liable or responsible for any financial profits, financial losses, lost capital, investment outcomes, loan penalties, tax assessments, or any economic damages arising directly or indirectly from your use of this website or reliance on its calculations.
• Not Certified Financial Advice: We are not registered financial advisors, certified public accountants, banks, lenders, or mortgage brokers. Users must independently verify all results and consult licensed financial professionals before entering into binding financial contracts.

For comprehensive terms regarding warranties, liabilities, and acceptable use, please review our binding Terms of Service and dedicated Financial Disclaimer.

4. LocalStorage & Browser Preference Cookies

To enhance your user experience across our Multi-Page Application (MPA), we utilize your browser's local storage (`localStorage`) strictly for functional user interface settings:

• theme: Remembers your preferred color mode (Light vs. Dark Mode) to prevent visual flickering on subsequent page visits.
• preferred_currency: Remembers your selected currency denomination (e.g., USD $, EUR €, GBP £, INR ₹, CAD $, AUD $, NZD $, SGD $) across different calculators.

These preferences are stored solely on your local device and are never transmitted to external servers or accessible to cross-site trackers.

5. Google AdSense & DoubleClick DART Cookies

To keep our computational tools free for everyone without introducing mandatory paywalls, Interest Calculator may display advertisements served by Google AdSense and its certified advertising partners:

• Google is a third-party vendor that uses cookies (such as the DoubleClick DART cookie) to serve relevant advertisements based on a visitor's prior visits to this website and other websites across the internet.
• The use of advertising cookies enables Google and its ad exchange partners to present contextual and interest-based ads to visitors.
• Your Right to Opt Out: You may opt out of personalized advertising by visiting the official Google Ads Settings portal. Alternatively, you can opt out of third-party vendor tracking via aboutads.info or the Your Online Choices portal.

6. Web Server Log Files

Following standard internet industry practices, our web hosting infrastructure records automated access logs when pages are fetched. These log files include:

• Internet Protocol (IP) addresses (anonymized where required by law)
• Browser type, operating system, and user-agent string
• Date and timestamp of request
• Referring URL and exit page

Server log data is used solely for network diagnostics, mitigating malicious DDoS traffic, and verifying server uptime. None of this data is ever linked to personally identifiable information.

7. European Union General Data Protection Regulation (GDPR) Rights

If you reside within the European Economic Area (EEA) or the United Kingdom, you are granted specific statutory rights regarding your data under Articles 15 through 22 of the GDPR:

8. California Consumer Privacy Act (CCPA / CPRA)

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to know what personal categories are collected, request deletion, and opt out of the sale or sharing of personal data:

We Do Not Sell Personal Information: Interest Calculator does not sell, trade, or monetize personal information. We have never sold personal consumer information in the preceding 12 months.

9. Children's Online Privacy Protection Act (COPPA)

Protecting the online privacy of young children is critically important. Interest Calculator does not knowingly solicit or collect personally identifiable information from children under the age of 13. If you believe your child has submitted personal details on our site, please contact us immediately and we will promptly purge such records.

10. Security Protocols & Encryption

All communications between your device and Interest Calculator are safeguarded using modern Transport Layer Security (TLS 1.3 / HTTPS encryption). This ensures that eavesdropping, packet sniffing, or man-in-the-middle manipulation of web traffic is impossible.

11. Contact Us Regarding Privacy

For any questions, data subject requests, or clarifications regarding this Privacy Policy, please reach out to our privacy compliance officer: