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Privacy Policy

Last updated: April 23, 2026

1. Information We Collect

CalcPoint is designed to protect your privacy. We collect minimal information necessary to provide our services:

  • Calculator Inputs: Financial data you enter into our calculators is processed in your browser and is not transmitted to or stored on our servers.
  • AI Chat Data: Questions you ask our AI assistant are sent to our servers for processing but are not permanently stored or linked to your identity.
  • Usage Analytics: We collect anonymous usage data (pages visited, calculator usage frequency) to improve our services. This data cannot identify you personally.
  • Cookies: We use essential cookies for site functionality, analytics cookies to understand usage patterns, and advertising cookies to serve relevant ads (see Section 5).

2. How We Use Your Information

We use collected information to:

  • Provide and improve our financial calculator services
  • Process AI assistant queries and generate relevant responses
  • Analyze usage patterns to optimize the user experience
  • Display relevant advertisements through Google AdSense
  • Maintain the security and integrity of our website

3. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share anonymous, aggregated data with partners for analytics purposes. If you click on an affiliate link, the third-party provider's privacy policy applies.

Third-party ad vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. See Section 5 for full details.

4. Data Security

We implement industry-standard security measures to protect your information. All data transmission uses HTTPS encryption. Financial calculations are performed client-side in your browser whenever possible.

5. Advertising & Google AdSense

CalcPoint uses Google AdSense, a third-party advertising service provided by Google LLC, to display advertisements on our website. This helps us keep our calculators free for everyone.

How Google Uses Cookies for Advertising

Google uses cookies, including the DoubleClick cookie, to serve ads based on your prior visits to this website and other websites on the internet. This is known as interest-based or personalized advertising.

What Information Google Collects

  • Google may collect and use data about your visits to this and other websites to provide targeted advertisements that may be of interest to you.
  • Google's use of advertising cookies enables it and its partners to serve ads based on your browsing patterns across the web.
  • No personally identifiable information is shared with advertisers without your consent.

How to Opt Out of Personalized Advertising

You can opt out of personalized advertising at any time through the following methods:

  • Google Ad Settings: Visit Google Ads Settings to control the ads Google shows you.
  • NAI Opt-Out: Visit the Network Advertising Initiative opt-out page to opt out of interest-based advertising from NAI member companies.
  • DAA Opt-Out: Visit aboutads.info to opt out of interest-based advertising from DAA participating companies.
  • Browser Settings: You can disable cookies in your browser settings, though this may affect site functionality.
  • Cookie Consent: When you first visit our website, you can decline cookies through our cookie consent banner to prevent advertising cookies from being set.

For more information about how Google uses data when you use our site, visit How Google uses data when you use our partners' sites or apps.

6. Third-Party Services

Our website uses the following third-party services, each with their own privacy policies:

Our website may also contain links to other third-party services, including affiliate partners and financial service providers. These services have their own privacy policies, and we are not responsible for their practices.

7. Your Rights

You have the right to:

  • Access any personal data we hold about you
  • Request deletion of your data
  • Opt out of personalized advertising (see Section 5)
  • Opt out of analytics tracking
  • Disable cookies through your browser settings

8. Children's Privacy

Our services are not directed to children under 13 years of age. We do not knowingly collect personal information from children.

9. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

  • Right to Know: You can request what personal information we collect, use, and disclose.
  • Right to Delete: You can request deletion of personal information we hold about you.
  • Right to Opt-Out: You can opt out of the sale of personal information. Note: we do not sell your personal information. You may opt out of personalized advertising by visiting Google Ads Settings.
  • Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To exercise these rights, contact us at [email protected]. We will respond within 45 days.

10. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR):

  • Right of Access: You can request a copy of your personal data.
  • Right to Rectification: You can request correction of inaccurate data.
  • Right to Erasure: You can request deletion of your personal data.
  • Right to Restrict Processing: You can request limitation of how we process your data.
  • Right to Data Portability: You can request your data in a machine-readable format.
  • Right to Object: You can object to processing based on legitimate interests, including profiling for advertising purposes.

Legal Basis for Processing: We process data based on (a) your consent (analytics and advertising cookies), (b) legitimate interests (site security and improvement), and (c) necessity for providing our services (AI chat processing).

Data Retention: Analytics data is retained for 26 months. Advertising cookies are managed by Google according to their privacy policy. AI chat queries are not permanently stored. Rate-limiting data is automatically deleted after 24 hours.

To exercise your rights, email [email protected]. We will respond within 30 days. If unsatisfied, you have the right to lodge a complaint with your local data protection authority.

11. Changes to This Policy

We may update this privacy policy from time to time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this privacy policy, please email us at [email protected].