Privacy Policy

Last updated: August 30, 2026

At Finance Toolkit ("finance-toolkit-5rz.pages.dev"), we take your privacy seriously. This Privacy Policy explains what information we collect, how we use it, how we share it, and what rights you have over your data. By using our website and our financial calculators, you agree to the practices described in this policy. If you do not agree, please discontinue use of the site.

1. Information We Collect

We aim to collect as little personal data as possible. Most of our calculators run entirely in your browser and do not transmit your financial inputs to our servers. However, we do collect certain information automatically and in specific interactions:

• Calculator Inputs: Financial values you enter into calculators (income, loan amounts, expenses) are processed client-side by default and are not stored on our servers unless you explicitly choose to save or share a result.

2. Cookies and Similar Technologies

We use cookies, local storage, and similar technologies to ensure our site functions correctly, remember your preferences, analyze traffic, and serve personalized advertising. A cookie is a small text file stored on your device when you visit a website.

• Essential Cookies: Required for the website to operate, such as load balancing and security. These cannot be disabled in our systems.
• Analytics Cookies: Help us understand visitor behavior in aggregate, such as which calculators are most popular and where users encounter errors. We use privacy-friendly analytics where possible and anonymize IP addresses.
• Advertising Cookies: Set by our advertising partners (see AdSense section below) to deliver relevant ads, limit ad frequency, and measure campaign effectiveness.

You can control or delete cookies through your browser settings at any time. Most browsers allow you to block third-party cookies, clear existing cookies, or notify you when a cookie is being set. Disabling cookies may affect the functionality of some calculators and preferences.

3. Google AdSense and Third-Party Advertising

We use Google AdSense to display advertisements on Finance Toolkit. Google, as a third-party vendor, uses cookies including the DoubleClick DART cookie to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads that are relevant to you.

You may opt out of personalized advertising by visiting Google Ads Settings or www.aboutads.info. For more information on how Google uses data, please review Google's Privacy & Terms at policies.google.com/technologies/ads. Our ads.txt file at /ads.txt authorizes Google as our advertising partner with the placeholder publisher ID pub-0000000000000000, which will be replaced with our verified ID before production.

Third-party ad networks may also collect anonymized information about your browsing activity to infer interests and display more relevant ads across the web. We do not control these third parties' tracking technologies or how they handle your data. We encourage you to review their privacy policies.

4. How We Use Your Information

We use collected information to:

• Provide, maintain, and improve our calculators and website performance
• Respond to your questions, support requests, and feedback
• Analyze usage patterns to prioritize new features and fix bugs
• Ensure security, prevent fraud, and comply with legal obligations
• Serve relevant advertising and measure its effectiveness when you consent
• Communicate updates about our tools if you have subscribed to notifications

We do not sell your personal information. We do not use your sensitive financial inputs to profile you for advertising outside of standard contextual ad placement on finance-related pages.

5. Legal Basis for Processing (EEA & UK)

If you are located in the European Economic Area or United Kingdom, we process personal data under the following legal bases under the General Data Protection Regulation (GDPR): consent where you have given it (e.g., for advertising and analytics cookies), legitimate interests (e.g., to improve our services and secure our site), performance of a contract (e.g., to respond when you contact us), and legal compliance.

6. Your Rights Under GDPR and Other Privacy Laws

Depending on your location, you may have the right to access, correct, delete, restrict, object to processing, and port your personal data, as well as to withdraw consent at any time where processing is based on consent. You also have the right to lodge a complaint with your local supervisory authority. Residents of California (CCPA/CPRA), Brazil (LGPD), and other regions may have additional rights to know what categories of data we collect, request deletion, and opt out of sale or sharing.

To exercise any of these rights, please contact us at privacy@yourdomain.com. We will respond within 30 days (or as required by applicable law) and may need to verify your identity before fulfilling your request. You can also manage cookie consent via the banner on first visit and through your browser settings.

7. Data Retention and Security

We retain usage logs for up to 26 months before aggregation or deletion, and retain contact correspondence for as long as necessary to resolve your inquiry plus a reasonable period for legal and accounting purposes. We implement industry-standard technical and organizational measures, including HTTPS encryption in transit, security headers (X-Frame-Options, X-Content-Type-Options), and access controls, to protect your data. However, no system is 100% secure, and we cannot guarantee absolute security.

8. International Data Transfers

Our servers and service providers, including Cloudflare Pages where this site is hosted and Google AdSense, may process data outside your country of residence, including in the United States. Where required, we rely on Standard Contractual Clauses and adequacy decisions to safeguard cross-border transfers.

9. Children's Privacy

Our services are not directed to children under 16, and we do not knowingly collect personal data from children. If you believe a child has provided us personal information, please contact us so we can delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or features. When we do, we will revise the "Last updated" date and, for material changes, provide additional notice such as a banner on our homepage. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy, wish to exercise your rights, or want to raise a concern about how we handle personal data, please contact us at privacy@yourdomain.com or via our contact page. For GDPR matters, our data controller is Finance Toolkit, operated at yourdomain.com.