Privacy Policy

Last Updated: July 25, 2025

This Privacy Policy explains how Calculatoris ("we," "us," or "our") collects, uses, protects, and shares your information when you visit and use our website at www.calculatoris.com and its associated calculator tools and AI chatbot features ("Service").

1. Information We Collect

  • Calculator Data: When you use our calculators, we temporarily process your input data (loan amounts, interest rates, calculations, etc.) solely to provide you with results. This data is not stored permanently on our servers.
  • Chatbot Interactions: Messages and queries sent to our AI chatbot are processed to provide relevant financial guidance and calculator assistance. These interactions may be processed by third-party AI services.
  • Technical Information: We automatically collect certain technical information including IP addresses, browser type, device information, and usage patterns to improve our service and ensure security.
  • Contact Information: If you contact us through our contact form, we collect the information you provide to respond to your inquiry.

2. How We Use Your Information

  • Service Provision: To provide accurate calculator results and relevant chatbot responses
  • Service Improvement: To analyze usage patterns and improve our calculators and features
  • Communication: To respond to your inquiries and provide customer support
  • Security: To detect and prevent fraud, abuse, and security threats

3. Third-Party Services

OpenAI Chatbot Integration

Our chatbot utilizes OpenAI's API to provide intelligent responses. When you interact with our chatbot:

  • Your messages may be processed by OpenAI's systems
  • We do not share personal identifiable information with OpenAI
  • Please review OpenAI's Privacy Policy for details on their data handling practices

Google Analytics

With your explicit consent, we use Google Analytics to understand website usage patterns:

  • Google Analytics is a web analytics service provided by Google LLC
  • Data is processed according to Google's Privacy Policy
  • We have configured Google Analytics to respect your privacy preferences
  • You can opt out at any time through our cookie preferences or Google's opt-out tools
  • No personally identifiable information is sent to Google Analytics

4. Data Security

  • Encryption: All data transmission is secured using industry-standard SSL/TLS encryption
  • Access Controls: We implement strict access controls to protect your information
  • No Permanent Storage: Calculator inputs and results are not permanently stored on our servers
  • Regular Security Reviews: We regularly review and update our security practices

5. Cookies and Tracking

Cookie Categories

We use different types of cookies and tracking technologies:

  • Essential Cookies: Required for basic website functionality, security, and cookie consent preferences (always active)
  • Analytics Cookies: Help us understand how visitors use our website (requires your consent)
  • Marketing Cookies: Used for advertising and marketing purposes (requires your consent)
  • Functional Cookies: Enable enhanced features like chat widgets and video players (requires your consent)

Google Analytics

With your consent, we use Google Analytics (tracking ID: G-XS7JCRSQSD) to collect information about how you use our website, including:

  • Pages visited and time spent on each page
  • How you arrived at our website (referrer information)
  • Your general geographic location (country/city level)
  • Device and browser information
  • Anonymous user interactions and behavior patterns

Google Analytics data is:

  • Processed by Google LLC under their privacy policy
  • Used only for website improvement and user experience analysis
  • Retained for 26 months as per our data retention policy
  • Anonymized and does not include personally identifiable information

Your Cookie Choices

  • Cookie Consent Banner: You can accept or decline non-essential cookies when you first visit our website
  • Cookie Preferences: You can change your cookie preferences at any time by visiting our Cookie Preferences page
  • Browser Settings: You can disable cookies in your browser settings, though this may affect website functionality
  • Google Analytics Opt-out: You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on

6. Children's Privacy

Our service 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.

7. Your Rights

Under applicable privacy laws (including GDPR and CCPA), you have the right to:

  • Access: Request information about how your data is processed
  • Rectification: Request correction of inaccurate information
  • Erasure: Request deletion of your information (where applicable)
  • Portability: Request a copy of your data in a structured format
  • Object: Object to processing of your information
  • Restrict: Request restriction of processing in certain circumstances
  • Withdraw Consent: Withdraw consent for cookies and tracking at any time
  • Lodge Complaints: File complaints with relevant data protection authorities

To exercise these rights or for privacy-related concerns, please contact our support team.

8. Data Retention

  • Calculator Data: Input data is processed temporarily and not stored permanently
  • Chatbot Interactions: Conversation logs may be retained for service improvement (not linked to personal identity)
  • Google Analytics Data: Automatically deleted after 26 months
  • Cookie Consent Preferences: Stored locally on your device until you clear them or change preferences
  • Contact Form Data: Retained as long as necessary to respond to your inquiry, then deleted

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date and post the revised policy on this page. Your continued use of our service after any changes indicates your acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact our support team. We are committed to addressing your privacy concerns promptly.

Your Consent

By using Calculatoris, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use our service.