Privacy Policy.

Calculover ("we," "us," or "our") operates calculover.com (the "Site"). This policy explains how information is handled when you visit our website, use our calculators and educational resources, or contact us. Calculover is responsible for the processing it determines; the service providers described below may also process information under their own terms and privacy notices.

Our calculators are available without creating a Calculover account. Browser-based calculation is an important part of our design, but it does not mean that visiting the Site involves no collection of personal information. Website delivery, analytics, correspondence, and advertising where enabled involve separate data processing.

Questions and privacy requests can be sent to [email protected] or through our contact page. This policy does not replace privacy notices provided by other websites you choose to visit.

Calculover’s core calculators are designed to perform calculations in your browser. You do not need to provide a name, email address, account password, payment card, or bank-login credentials to use these tools. Calculator inputs are not intended to be submitted to analytics or advertising services as calculation data.

Some tools remember preferences or saved calculations on your device. Other features may use an external data source or ask you to share information. Follow any notice shown with that specific feature before using it. Information you include in a support message, a shared link, or a third-party service is not covered by a promise that it stays only in browser memory.

Share links are not private storage

A calculator’s Share feature may put inputs or results in a URL. Anyone who receives that link may be able to read or reproduce those values. Links can also be saved in browser history, synced between devices, or retained by messaging services.

Query parameters (after ?) are sent with a request for the page and may appear in server logs or analytics. A URL fragment (after #) is not sent in the browser’s initial page request, but scripts running on the page can read it. Neither format should be treated as confidential.

Website delivery, reliability & security

When your browser requests the Site or one of its resources, the systems delivering it receive technical information such as your IP address, requested URL, request time, browser or device information, and referring page when supplied by your browser. Hosting, content-delivery, security, and other infrastructure providers may process request or error logs to deliver pages, troubleshoot failures, and prevent abuse. These records are different from calculator inputs intentionally submitted for calculation.

Google Analytics

We use Google Analytics 4 to understand website usage and improve our tools and content. Depending on your choices and the settings in use, analytics may process page addresses and titles, visits, engagement events, referral information, browser and device details, approximate location, and online identifiers such as cookie or device identifiers. Google also receives technical information when your browser communicates with its services.

We use reports to understand patterns, but the underlying information is not necessarily anonymous. An online identifier can be personal information even when it does not contain your name. Google’s handling of IP addresses and other technical information varies by region, product, and configuration.

See how Google uses information from sites that use its services and Google’s Privacy Policy. Cookie and consent information appears in section 07.

When you contact us, we receive the information you supply, which may include your name, email address, subject, message, and any other details you include. Providing this information is voluntary, but without a reply address or enough detail we may be unable to respond or investigate the issue.

Our website contact form uses Formspree to process and deliver submissions. Formspree and the email services involved in delivering or storing a message may process the submission and associated technical information. See Formspree’s Privacy Policy.

We use correspondence to answer questions, investigate feedback, administer privacy requests, and maintain appropriate records. Sending a support message does not subscribe you to a newsletter or authorize unrelated marketing. Please do not send passwords, identity documents, payment credentials, or identifiable medical records unless we explain a specific need and an appropriate method first.

We use information for the following purposes, as applicable to the feature you use:

• Deliver and maintain the Site: provide requested pages and functionality, remember preferences, diagnose errors, and protect the service.
• Understand and improve usage: assess which calculators and resources are useful and identify usability or compatibility problems.
• Communicate with you: answer inquiries, resolve reported issues, and respond to privacy requests.
• Support the Site: display and measure advertising when enabled, and attribute referrals from disclosed affiliate links.
• Meet legal responsibilities: comply with applicable obligations, prevent misuse, resolve disputes, and protect rights.

We do not use calculator outputs to make decisions about your eligibility for credit, employment, insurance, or medical treatment. Our tools provide informational results, not decisions made on behalf of a lender, employer, insurer, or healthcare provider.

The Site may use localStorage, sessionStorage, browser caches, and a service worker to remember settings, retain saved calculator states, or make previously visited resources available offline. For example, calculover_theme records a light or dark appearance preference.

Browser storage is associated with the browser and site origin, not an account you can access from us. Other people using the same browser profile, browser extensions with relevant permissions, and scripts authorized to run on the Site may be able to access some of that information. Device-local storage is not a guarantee of secrecy.

You can manage it through your browser’s settings for site data or storage. Clearing site data can remove saved calculations, preferences, consent records, and offline files. Different browsers separate cookies, local storage, caches, and service workers into different controls.

Cookies are small pieces of information stored by a browser. Similar technologies include local storage, pixels, tags, and other identifiers. A service can receive technical information even when it does not store a cookie.

This is an explanation of categories, not a claim that every example is present on every visit. Google provides further information about Analytics cookies and Google cookies and similar technologies.

How consent affects processing

Consent options can differ by location and by the services enabled on the Site. Our use of optional technologies is subject to applicable consent requirements and your choices. Use the consent controls displayed on the Site to make or change a selection. This policy does not set a universal consent default for every region or every service.

Google Consent Mode communicates choices to Google tags. Depending on its implementation, denying analytics storage may still allow measurements without cookies. Rejecting cookies is not always the same as blocking all network requests. Where a cookie banner or Cookie Preferences control is displayed, use it to review or change your selection. Advertising consent is separate from analytics consent; agreeing to analytics does not by itself agree to personalized advertising.

Further controls, including what to do when an on-site control is unavailable, are described in section 11. This privacy policy is a notice; reading it, scrolling, or continuing to browse does not itself provide consent.

When enabled, advertising services may process network and device information, approximate location, pages viewed, advertising identifiers, and interactions with ads. These services can use cookies or similar technologies for ad delivery, measurement, fraud prevention, and interest-based advertising, subject to applicable requirements and your choices.

Before introducing Journey advertising, we will update this page to reflect the service and include the applicable Mediavine advertising notice. That notice covers Mediavine’s services; the rest of this policy continues to explain Calculover’s own data handling.

Information about Mediavine’s processing is available through its Legal and Privacy Center and advertising-partner information. The controls provided with an enabled advertising service explain the choices available for that service.

Opting out of personalized advertising does not necessarily remove ads or stop all technical processing. Choices can be specific to a browser, device, or provider. Additional choices for participating advertising companies are available through the Digital Advertising Alliance.

Information may be disclosed to the following categories of recipients, for the purposes described in this policy:

• Service and infrastructure providers: hosting, content delivery, security, technical support, analytics, form processing, and email services that help operate the Site. Named services currently described here include Google Analytics and Formspree.
• Advertising and referral partners, when used: Mediavine and participating advertising providers when enabled, and providers involved in attributing affiliate referrals, subject to applicable requirements and your choices.
• Legal and professional recipients: advisers, authorities, or other parties where disclosure is legally required or reasonably necessary to address fraud, security incidents, legal claims, or protection of rights.
• A successor to the business: if relevant information is transferred in a merger, acquisition, restructuring, or asset transfer, subject to applicable protections and notices.

Advertising-related disclosures can be treated as a “sale,” “sharing,” or “targeted advertising” under some privacy laws, even when no payment is made for an individual record. The planned advertising described in section 08 may involve these activities when enabled. Relevant choices are explained in section 11 and the advertising provider’s notice.

Depending on the activity and contract, a provider may act on our behalf or for its own purposes. Provider notices explain their separate practices; those notices do not remove our responsibility for our own processing.

Some pages may contain affiliate links or links to third-party websites. When you follow an affiliate link, the destination or referral provider may receive information such as the referring link, click identifier, or browser information to attribute a referral. We may receive a commission or referral report. Refer to our Affiliate Disclosure and the destination’s privacy notice.

When you choose to open an external site, that site’s practices apply to your activity there. Third-party content embedded in a page may also contact its provider when loaded. If a Calculover calculator is embedded on another website, that website may separately collect information; this policy explains Calculover’s practices, not the host website’s.

Do Not Sell or Share My Personal Information

Where the law gives you a right to opt out of sale, sharing, or targeted advertising, use the relevant on-site advertising control when provided. You may also contact [email protected] with your request. You do not need to create an account. We may need enough information to apply a request to the relevant records, but an opt-out is not subject to the same identity-verification requirements as access to personal records.

Browser privacy signals

Global Privacy Control (GPC) is a browser signal that can communicate an opt-out of sale or sharing. Where applicable law requires us to recognize such a signal, it must be treated as a valid opt-out for the browser that sends it. A signal is not automatically linked to other browsers or devices. It is also different from a cookie-deletion request.

Do Not Track (DNT) is a different, older browser preference. This policy does not promise a separate site-wide response to DNT; use the choices described here rather than relying on DNT alone. Where enabled and permitted, third-party advertising services may collect information about online activities over time and across websites, as described in section 08.

We keep information for the purposes described here and for as long as reasonably necessary for those purposes, taking account of its sensitivity, the reason it was collected, outstanding issues, security needs, and applicable legal requirements. Retention can differ by type:

• Device-local settings and saved calculations: until you delete or change them, the feature removes them, or your browser clears them. Session storage and cached resources follow the browser’s and feature’s lifecycles.
• Support correspondence: while needed to address the inquiry, follow up on associated issues, and maintain necessary records.
• Technical logs and analytics: according to the relevant service settings and the period needed for operations, security, and usage analysis. Cookie expiration and retention of information already received by a provider are not the same thing.
• Consent and privacy-request records: as needed to record choices, administer requests, and demonstrate compliance with applicable obligations.

Legal holds, disputes, security investigations, or mandatory recordkeeping can require a longer period. When information is no longer needed, it should be deleted or de-identified as appropriate. Deletion from active systems may not remove protected backup copies immediately. You can ask us about the retention applicable to your information.

Our service providers may process information in countries other than the one where you live, including the United States. Those countries may have different data-protection rules.

Where EEA, UK, Swiss, or other applicable transfer rules require a safeguard, an appropriate transfer mechanism is needed. Depending on the provider and transfer, that may be an applicable adequacy arrangement or contractual safeguards. Contact us for information about the mechanism relevant to a particular transfer and how to obtain available details. We do not claim that Calculover itself is certified under a data-transfer framework.

Where a legal basis is required, the basis depends on the activity: consent for optional processing that requires it; legitimate interests for operating and securing the Site and responding to ordinary inquiries, balanced against your rights; compliance with legal obligations for required records and requests; and performance of a contract only where a particular requested service genuinely involves one. An interest in funding the Site does not replace consent where consent is required.

You can withdraw consent for future consent-based processing without affecting the lawfulness of earlier processing. Providing support contact details is voluntary. Automatically transmitted technical information is generally necessary to request and deliver a webpage.

Depending on where you live, the applicable law, and whether its requirements apply to us, you may have rights to access or receive a copy of personal information, correct it, delete it, restrict or object to processing, withdraw consent, or obtain portable information. Some US state laws also provide rights relating to sale, sharing, targeted advertising, sensitive information, or certain profiling.

California residents: where the CCPA/CPRA applies, rights may include knowing the categories and specific pieces of information collected, its sources, purposes and recipients; correction; deletion; and opting out of sale or sharing. Relevant categories described in this policy include identifiers, internet or network activity, approximate location, and information included in correspondence. The advertising section explains potential advertising-related disclosures; it is not a statement that all those practices occurred in the previous 12 months.

How to make a request

Email [email protected] or use our contact page. Tell us the type of request and enough context to locate the relevant information, such as the email address used for correspondence. Avoid sending unnecessary sensitive information. We may take reasonable steps to verify identity or an authorized agent’s authority when appropriate for the request. We will not require an account merely to make a request.

We respond within the period required by applicable law and explain any permitted extension, exception, or refusal. Rights are not absolute: for example, records may need to be retained for legal obligations or to protect another person’s rights. We will not unlawfully discriminate against you for exercising privacy rights.

If we cannot reasonably associate a record with you, we will explain that limitation rather than claim that no personal information exists simply because there are no accounts. We cannot directly delete information that exists only in your browser; use the controls in section 06.

Where an appeal right applies, reply to our response or email us with the subject Privacy request appeal. You may also complain to the competent privacy regulator, including your local EEA data-protection authority, the UK Information Commissioner, or the Swiss Federal Data Protection and Information Commissioner, as applicable.

Calculover is a general-audience calculator and educational website. It is not intended to solicit personal information from children under 13. We do not knowingly seek such information from children in circumstances requiring parental consent without the required consent.

Parents and guardians should supervise children’s use of online services and discourage them from sending identifying or sensitive information through messages or shared links.

If you believe a child has provided personal information that should not have been collected, contact [email protected] so we can investigate and take appropriate action, which may include deletion. Any applicable restrictions on advertising or the sale or sharing of minors’ information continue to apply.

The Site is available over HTTPS, which protects information in transit between your browser and the website endpoint. Browser-based calculation can reduce the need to send calculation values to a server. Neither measure eliminates risks from compromised devices, malicious extensions, insecure sharing, unauthorized access, or third-party processing.

No website, storage system, or transmission method can be guaranteed completely secure. Use a trusted device and browser, avoid including sensitive data in URLs, and clear saved calculator information before allowing someone else to use the same browser profile. Notify us of a suspected privacy or security issue through the contact details below.

We may update this policy as the Site, its providers, or applicable requirements change. The date at the top identifies the latest revision. Where required, we will provide additional notice of material changes or obtain consent before beginning a new use that requires it.

This revision updates our contact information and explains planned Journey by Mediavine advertising separately from existing website functions.

For questions, requests, or concerns about this policy, contact:

Include the relevant page or feature and a description of your concern. Use sample data rather than confidential calculator values whenever possible. Please do not send identity documents or passwords with an initial request.