Privacy Policy

Debt Calculator Suite ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://debtcalculatorsuite.com and use our debt calculation tools.

Please read this Privacy Policy carefully. By accessing or using our website, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the site.

1. Information We Collect

1.1 Information You Provide

Our debt calculators process the financial information you enter (such as debt amounts, interest rates, and payment amounts) entirely in your browser. We do not store or transmit this calculation data to our servers. Your financial information remains private and is only used to perform calculations on your device.

1.2 Information Automatically Collected

When you visit our website, we automatically collect certain information about your device and browsing activity, including:

• IP address and geographic location
• Browser type and version
• Operating system
• Device type (mobile, desktop, tablet)
• Pages viewed and time spent on pages
• Referring website or source
• Date and time of access

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and store information. Types of cookies we use include:

• Essential Cookies: Required for basic site functionality
• Analytics Cookies: Help us understand how visitors use our site (Google Analytics)
• Advertising Cookies: Used to display relevant advertisements (Google AdSense)
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. However, disabling cookies may affect site functionality.

2. How We Use Your Information

We use the information we collect to:

• Provide and maintain our debt calculator services
• Improve and optimize our website and user experience
• Analyze site usage and traffic patterns
• Display relevant advertisements through Google AdSense
• Respond to user inquiries and provide customer support
• Detect, prevent, and address technical issues or security threats
• Comply with legal obligations and enforce our Terms of Service

3. Third-Party Services

We use the following third-party services that may collect information:

4. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption for data transmission
• Secure hosting infrastructure
• Regular security assessments and updates
• Access controls and authentication

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Privacy Rights

5.1 General Rights

Depending on your location, you may have the following rights:

• Access to the personal information we hold about you
• Correction of inaccurate or incomplete information
• Deletion of your personal information
• Restriction or objection to processing of your information
• Data portability
• Withdrawal of consent at any time

5.2 GDPR Rights (European Union)

If you are located in the European Economic Area (EEA), you have specific rights under the General Data Protection Regulation (GDPR), including the right to lodge a complaint with a supervisory authority.

5.3 CCPA Rights (California)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell your personal information.

To exercise any of these rights, please contact us at support@debtcalculatorsuite.com.

6. Do Not Track Signals

Some web browsers have a "Do Not Track" (DNT) feature. Currently, there is no industry standard for how to respond to DNT signals. Our website does not currently respond to DNT signals, but we will update this policy if we adopt a standard in the future.

7. Children's Privacy

Our website is not intended for children under the age of 13 (or 16 in the EEA). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will delete the information.

8. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our website, you consent to such transfers.

9. Data Retention

We retain collected information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Analytics data is typically retained for 26 months (Google Analytics default).

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us: