Privacy Policy

1. Introduction

At FinCalc Pro ("we," "our," or "us"), we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fincalcpro.com and use our financial calculators.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

2.1 Information You Provide

• Contact Information: When you contact us, subscribe to our newsletter, or fill out a form, we may collect your name, email address, phone number, and message content.
• Calculator Inputs: The numerical values and parameters you enter into our calculators. Note: These calculations are performed entirely in your browser and are not transmitted to our servers.

2.2 Information Collected Automatically

• Log Data: IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform.
• Usage Data: Information about how you use our website, including the calculators you use, time spent on pages, and navigation paths.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to track activity on our website and hold certain information.

3. How We Use Your Information

We use the information we collect in the following ways:

• To provide, operate, and maintain our website and calculators
• To improve, personalize, and expand our website
• To understand and analyze how you use our website
• To develop new products, services, features, and functionality
• To communicate with you, including for customer service and support
• To send you newsletters and marketing communications (with your consent)
• To detect, prevent, and address technical issues and security vulnerabilities
• To comply with legal obligations and enforce our terms of service

4. Data Security and Storage

Calculator Data: All financial calculations are performed locally in your browser using JavaScript. We do not transmit, store, or have access to the values you enter into our calculators or the results of your calculations.

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

• SSL/TLS encryption for all data transmissions
• Regular security audits and vulnerability assessments
• Access controls and authentication mechanisms
• Regular backups and disaster recovery procedures

5. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following situations:

• Service Providers: We may share your information with third-party service providers that perform services on our behalf (e.g., email delivery, hosting, analytics).
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• Consent: We may share your information with your consent or at your direction.

6. Third-Party Services

Our website may contain links to third-party websites and services. We use the following third-party services:

• Google Analytics: For website traffic analysis and user behavior insights
• Cloudflare: For content delivery and DDoS protection
• Vercel: For website hosting and deployment

These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices or content of third-party sites.

7. Cookies and Tracking

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze site traffic and usage patterns
• Personalize content and improve user experience
• Detect and prevent fraud

You can control cookies through your browser settings. Note that disabling cookies may limit your ability to use certain features of our website.

8. Your Rights and Choices

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request your data in a structured, machine-readable format
• Objection: Object to our processing of your personal information
• Withdrawal of Consent: Withdraw consent for processing where we rely on consent

To exercise these rights, please contact us at privacy@fincalcpro.com. We will respond to your request within 30 days.

9. Children's Privacy

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy.

11. California Privacy Rights (CCPA)

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

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by us
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your privacy rights

12. GDPR Compliance

For users in the European Economic Area (EEA) and United Kingdom, we comply with the General Data Protection Regulation (GDPR). Our lawful bases for processing personal information include:

• Consent: When you have given clear consent for processing
• Contract: Processing necessary for the performance of a contract
• Legal obligations: Processing necessary for compliance with the law
• Legitimate interests: Processing necessary for our legitimate interests

13. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including any legal, accounting, or reporting requirements. When determining retention periods, we consider:

• The nature and sensitivity of the information
• The purposes for processing
• Legal and regulatory requirements
• Statute of limitations periods

14. 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. For significant changes, we may provide additional notice via email or a prominent notice on our website.

15. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at:

For GDPR-related inquiries, you may also contact our Data Protection Officer at dpo@fincalcpro.com.