Privacy Policy
Effective Date: January 1, 2026 · Compliant with GDPR, CCPA & Global Privacy Standards
Zero Calculation Storage
All numerical variables (income, loan size, tax bracket, BMI) are computed exclusively in your browser. None are sent to backend databases.
Functional Cookies Only
Cookies are strictly limited to your selected jurisdiction preference (calculatorate_region) and bookmarked tools.
No Profile Brokering
We do not sell, rent, or trade your IP address or demographic profile to third-party data brokers or predatory lenders.
1. Information Processed Locally vs Server Logs
CalculatoRate is architected on modern Jamstack / Edge principles. The arithmetic functions execute client-side via JavaScript. Like any secure web service, our Edge CDN network (Cloudflare) records standard anonymized access logs:
- Masked IP address for regional caching and DDoS mitigation
- User agent string to deliver the correct responsive CSS layout
- Aggregate HTTP status codes and telemetry to catch 404 broken links
2. GDPR and CCPA / CPRA Compliance
Under the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA), you retain the right to know what personal information is collected and to request its deletion. Because CalculatoRate operates anonymously without accounts or identity tracking, we hold no linked records of your financial submissions.
3. Advertising, Analytics & Google Consent Mode v2
To keep all actuarial calculators free, transparent, and paywall-free, we partner with Google AdSense and Google Analytics. In strict compliance with European (GDPR), UK, and global privacy standards, our platform enforces Google Consent Mode v2:
- All advertising storage (
ad_storage), user data, and personalization cookies are disabled by default until you grant affirmative consent. - You may update or revoke your consent preferences at any time using our interactive privacy banner.
- Third-party vendors, including Google, use cookies to serve ads based on prior visits. You may opt out of personalized advertising by visiting Google's Ads Settings.
4. Privacy Officer & Inquiries
For any data protection inquiries, privacy questions, or statutory compliance verification, please contact our team via the Contact Desk.