About, Privacy & Terms

About

calcfinance.net provides free calculators and guides to help you explore personal finance scenarios (e.g., savings, loans, investment growth). Our tools are for educational and informational purposes only and are not financial, legal, tax, or investment advice.

calcfinance.net is an independent online service published and maintained by an individual. It is not operated by a registered business entity and is not affiliated with any financial institution.

Privacy Policy

Information We Collect

• Calculator inputs you enter (processed in your session; no account required).
• Technical logs (e.g., IP address, device/browser data) for security, diagnostics, and abuse prevention.
• Analytics events to understand anonymous usage patterns and improve the product.
• Optional contact information if you email us or submit a feedback form.

Advertising & Analytics

We may display advertising (e.g., Google AdSense) and use analytics services (e.g., Google Analytics). These providers may use cookies or similar technologies to serve and measure ads and to understand site usage. Depending on your region, you may see a consent banner that lets you choose personalized or non-personalized ads.

• Ad/analytics partners may collect or receive certain information from your browser to provide services, measure performance, and detect fraud.
• You can manage cookie preferences via our banner (where shown) and in your browser settings.

How We Use Information

• To operate the site and calculators.
• To analyze usage and improve content and performance.
• To maintain security and prevent fraud or abuse.
• To respond to inquiries you send us.

Retention

Server logs and analytics data are retained for a limited period consistent with operational needs. Calculator inputs are typically not stored long-term on our servers unless explicitly stated (e.g., if a future feature allows you to save/share a scenario).

Third Parties

We use trusted providers for hosting, analytics, advertising, and related services. These providers process data on our behalf under appropriate agreements. We do not process payments on calcfinance.net and do not collect card information.

Cookies

We use essential cookies to run the site and optional cookies for analytics and advertising. You can adjust cookie settings in your browser and via our consent controls (where available).

Security

We implement reasonable technical and organizational measures to protect data. However, no method of transmission or storage is 100% secure.

Children

calcfinance.net is not directed to children under 13. If you believe a child provided personal data, please contact us so we can delete it.

Terms of Service — Financial Calculators

1. Service Purpose

Our calculators and content are provided for educational and informational purposes only. We do not provide financial, legal, tax, or investment advice.

2. No Client or Advisory Relationship

Your use of calcfinance.net does not create a fiduciary, advisory, or client relationship with us or any third party.

3. Accuracy & Assumptions

We aim for accurate and up-to-date formulas and outputs, but results depend on your inputs and assumptions and may not reflect your actual circumstances. We do not guarantee completeness or correctness.

4. User Responsibility

• Review results and verify assumptions before acting on them.
• Comply with all applicable laws and regulations in your jurisdiction.
• Seek advice from qualified professionals for decisions affecting your finances, taxes, or legal obligations.

5. Intellectual Property

The site design, text, and code are owned by the site operator or its licensors and protected by applicable laws. You may use the site for personal, non-commercial purposes unless we provide express written permission otherwise.

6. Prohibited Use

• Scraping or bulk automated access beyond normal usage.
• Reverse-engineering or attempting to circumvent protections.
• Using the site to violate any law or third-party rights.

7. Limitation of Liability

To the maximum extent permitted by law, the site operator will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or lost profits. Where liability cannot be disclaimed, it is limited to USD $100.

8. “AS IS” Warranty Disclaimer

calcfinance.net is provided “as is” and “as available” without warranties of any kind, express or implied.

9. Changes

We may update these terms or our privacy practices from time to time. The “Last updated” date above reflects the latest version.

10. Governing Law & Disputes

These Terms are governed by the laws applicable in your place of residence or, if different, the laws of the location from which you access the site. Any disputes must be resolved under those laws.

Contact

Questions or requests? Email support@calcfinance.net.