Privacy Policy

1. Introduction

FinanceToolz.com ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what information we collect (and don't collect), how we use it, and your rights as a user. This policy applies to all users of financetoolz.com and is designed to be transparent and easy to understand.

2. Information We Do Not Collect

We do not collect, store, or process any of the following:

• Your name, email address, phone number, or any identifying details
• Account credentials (no accounts or logins are required)
• Financial data entered into any calculator — all inputs are processed locally in your browser and never transmitted to our servers
• Payment or billing information of any kind
• Precise location data

3. Calculator Data

All calculations — including mortgage figures, tax estimates, retirement projections, and budget inputs — are performed entirely within your web browser. No calculator data is ever sent to or stored on our servers. When you close or refresh the page, all entered values are cleared. We have no access to any figures you enter.

4. Analytics

We use Google Analytics 4 (GA4) to collect anonymized, aggregate information about how visitors use our site. This helps us understand which tools are most useful and improve the overall experience. Our analytics configuration includes:

• IP address anonymization (your full IP is never stored)
• No advertising features or remarketing enabled
• General metrics only: page views, session duration, country/city-level location, and device type

Google Analytics data is processed by Google LLC, which is subject to Google's own privacy policy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on.

5. Cookies

We do not use cookies for advertising, tracking, or marketing purposes. Google Analytics may use limited, anonymized technical cookies strictly necessary to measure site usage. We do not use any third-party advertising networks, tracking pixels, or social media cookies.

6. No Advertising or Data Selling

We do not sell, rent, or share your data with any third parties for advertising or marketing purposes. We display no advertisements. We do not participate in any data broker networks or behavioral advertising programs.

7. Children's Privacy (COPPA)

Our service is not directed to children under the age of 13. We do not knowingly collect any personal information from children under 13 in compliance with the Children's Online Privacy Protection Act (COPPA), 15 U.S.C. § 6501 et seq. If you believe a child under 13 has provided us with personal information, please contact us and we will take steps to delete such information.

8. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) may provide you with certain rights. Because we do not collect personal information as defined by the CCPA, most of these rights are not applicable. Specifically:

• We do not sell personal information — you have no need to opt out
• We do not collect personal identifiers, commercial information, or biometric data
• We do not discriminate against users who exercise their privacy rights

If you have any questions about your California privacy rights, please contact us.

9. Other US State Privacy Laws

Various US states have enacted or are enacting consumer privacy laws (including Virginia CDPA, Colorado CPA, Connecticut CTDPA, and others). Because we do not collect, sell, or share personal data, these laws generally do not impose obligations on us beyond what is already described in this policy. We are committed to honoring user privacy regardless of your state of residence.

10. Security

Our website is served over HTTPS, ensuring that data transmitted between your browser and our servers is encrypted. Since we do not store personal data or calculator inputs, the risk of data breach affecting your financial information is minimal. We take reasonable technical measures to maintain the security and integrity of our website.

11. Third-Party Links

Our website may contain links to external websites, including links to our Canadian (financialtools.ca) and UK (financetoolz.co.uk) sister sites. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Contact Form

If you use our Contact Us form, the name, email address, and message you provide are processed by Web3Forms solely to deliver your message to us. This data is not stored on our servers and is used only to respond to your inquiry. We do not add you to any mailing lists without your explicit consent.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the website following any changes constitutes your acceptance of the revised policy.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us. We will respond to all privacy inquiries within a reasonable timeframe.