Privacy Policy

1. Overview

Calculatorly ("we", "us", "our") provides free financial tools like SIP, Lumpsum, and Goal Planner calculators. We respect your privacy heavily. Our core tools are designed to work without hoarding your personal data. The minimal information we do collect is strictly to keep the lights on (via ads), fix bugs, and understand which features people like best.

By continuing to use our website, you agree to the collection and use of information as outlined below. If you aren't comfortable with this, you are completely free to close the site.

2. Information We Collect

2.1 What stays invisible to us

As mentioned above, the exact values you type into our calculators (investment amounts, expected returns, years) are processed right there on your screen. We do not have a database secretly recording your financial goals.

2.2 Information collected automatically (The Tech Stuff)

Like 99% of websites on the internet, our hosting servers and analytics tools automatically note some basic technical details when you visit:

• Your IP address (usually anonymized so it doesn't point to your exact house)
• Your browser type and operating system (e.g., Chrome on Android)
• Device type and screen size (so we know if we need to fix our mobile layout)
• Which pages you clicked on and how long you stayed
• General geographic region (e.g., knowing you visited from India)

This isn't tied to your identity. It just helps us see if our website is broken or working well.

2.3 Information you voluntarily give us

If you shoot us an email or use our contact form, we will receive whatever you send us—usually your name and email address. We only use this to reply to your message. We won't suddenly add you to a spammy newsletter.

3. How We Use Information

We use the limited technical data we collect to:

• Keep the website fast, secure, and fully operational
• See which calculators are the most popular so we know what to build next
• Show you ads (via Google AdSense) to keep Calculatorly 100% free for everyone
• Stop bots, spam, and technical abuse
• Reply when you ask for help

To be crystal clear: We do not sell your personal information. Period.

4. Cookies & Tracking Technologies

"Cookies" are just tiny memory files saved on your browser. They help websites remember things. Here is how we and our trusted partners use them:

4.1 Essential cookies

These are the required technical files that keep the site from crashing and keep your connection secure. You can't turn these off without breaking the website.

4.2 Analytics cookies

These help us count how many people visit the site on a given day using Google Analytics. They don't know who you are, they just count you as a "visitor".

4.3 Advertising cookies

To pay for our servers, we show ads through Google AdSense. Google uses cookies to figure out what ads you might actually click on instead of showing you random, irrelevant stuff. (More on this in the next section).

4.4 Your Cookie Control

You are the boss of your browser. You can go into your browser settings at any time to view, clear, or completely block cookies. Just note that blocking all cookies might make some websites behave a bit weirdly.

5. Google AdSense (Keeping the Site Free)

Google AdSense uses cookies to serve ads based on your prior visits to this website and other websites across the internet. Here are the legal specifics:

• Google, as a third-party vendor, uses cookies to serve ads on Calculatorly, specifically the DoubleClick DART cookie.
• This advertising cookie enables Google and its partners to serve ads to you based on your visits to our site and other sites on the web.
• Other third-party ad networks may also use cookies to serve ads on our pages.
• These ad servers may automatically receive your IP address, browser type, and timestamps to ensure the ads load properly.

5.1 How to opt out of personalized ads

If you don't want Google tracking your interests to show you targeted ads, you can easily turn it off:

• Visit Google Ads Settings to turn off personalized ads directly with Google.
• Visit aboutads.info to opt out of interest-based advertising from dozens of other companies.
• If you live in Europe, you can visit youronlinechoices.eu to manage your ad preferences.

5.2 Important note for EU & UK Users

If you are browsing from the European Union or the UK, we and Google strictly rely on your consent before dropping these advertising cookies, complying with Google's EU User Consent Policy.

5.3 Want to read the deep dive?

To learn exactly how Google processes data when you use sites running their tools, please read: How Google uses information from sites or apps that use our services.

6. Google Analytics

We use Google Analytics to figure out if our site is actually helping people. It tells us things like "1,000 people used the SIP calculator today" or "Most people leave the site after 2 minutes." It groups this data together (aggregates it) so it doesn't single you out personally.

If you don't want Google Analytics to track your web visits across the internet, you can easily install the official Google Analytics Opt-Out Browser Add-On.

7. Third-Party Services

We don't build our own physical servers. We rely on top-tier third-party companies (like Vercel) to host the website and deliver it quickly to your screen. Because they serve the files to you, they naturally see your IP address. We only use highly reputable providers who take security seriously.

8. Data Sharing & Disclosure

We are a calculator tool, not a data broker. We only share information in these extremely rare cases:

• With the service providers mentioned above who help us run the site.
• If the law or a verified government request absolutely forces us to.
• To protect our website from malicious hackers or abuse.
• If Calculatorly ever gets sold or merged with another company (though this privacy policy would still apply).

9. Data Security

We use standard HTTPS encryption (that little padlock in your browser) for everything. This means any connection between your phone/computer and our website is secure. And again, because our actual calculators run directly on your device, there is nothing for hackers to intercept on our end anyway.

10. Children's Privacy

Our financial tools are built for adults (18+) trying to plan their investments. We do not intentionally collect data from children. If you are a parent and believe your child has sent us personal information, email us and we will delete it immediately.

11. Your Digital Rights

Depending on where you live, the law grants you strict rights over your digital footprint:

11.1 India (DPDP Act, 2023)

If you are an Indian resident, you have the right to know what data we hold, ask us to delete it, withdraw any prior consent, or raise a concern with the Data Protection Board of India.

11.2 Europe & UK (GDPR)

If you live in the EU, EEA, or UK, you have the right to access, fix, erase, or restrict the processing of your data, and the right to complain to your local data protection authority.

11.3 California (CCPA / CPRA)

California residents have the right to know what is collected, request deletion, and opt out of the "sale" of personal data (which, again, we do not do). We will never discriminate against you for exercising these rights.

How to use these rights:

Just send an email to the address in Section 14. We will happily comply within the timelines required by your local laws.

12. Data Crossing Borders

The internet is global. Our hosting providers and partners (like Google) operate servers all over the world, including in the United States. By using Calculatorly, you understand that your standard technical browsing data might be processed in a country different from your own.

13. Updates to This Policy

If laws change or we add new features, we might need to tweak this policy. If we make any massive changes, we will update the "Last updated" date at the very top of this page. Feel free to check back here occasionally!