Privacy Policy

At apr-calculator.com, your privacy is our top priority. This Privacy Policy explains how we collect, use, and protect your information when you use our website and calculator tools.

Summary: Your Data Stays Private

1. Information We Collect

Calculator Data (NOT Collected)

Important: When you use our APR calculator, all calculations are performed entirely in your web browser using JavaScript. We do not collect, transmit, or store any of your financial information, including:

• Loan amounts
• Interest rates
• Fees and costs
• Loan terms
• Amortization schedules

This data never leaves your device. You can verify this by using our calculator while offline or by inspecting the network activity in your browser's developer tools.

Analytics Data (Optional, With Consent)

If you consent to cookies, we collect basic, anonymized analytics to improve our site:

• Page views: Which pages you visit
• Session duration: How long you spend on the site
• Referral source: How you found us (e.g., Google search, direct visit)
• Device type: Mobile, tablet, or desktop (no identifying information)
• Browser type: Which web browser you use
• General location: Country/region only (not precise location)

We use Google Analytics 4 (GA4) with IP anonymization enabled. You can decline analytics cookies at any time using our cookie banner.

Contact Form Data

If you contact us through our contact form, we collect:

• Name (optional)
• Email address
• Message content

This information is used solely to respond to your inquiry and is not shared with third parties.

2. How We Use Your Information

We use collected information (limited to analytics and contact form data) for:

• Site improvement: Understanding which features are most useful
• Performance optimization: Identifying technical issues and slow pages
• Content creation: Creating resources that address common questions
• Communication: Responding to your inquiries and feedback

We never use your information for:

• Selling or renting data to third parties
• Targeted advertising
• Creating user profiles
• Sharing with lenders or financial institutions

3. Cookies and Tracking

Essential Cookies

We use one essential cookie to remember your cookie consent preference. This cookie:

• Stores your consent choice (accept/decline)
• Expires after 1 year
• Cannot be disabled (required for the consent mechanism to work)

Analytics Cookies (Optional)

If you accept cookies, we use Google Analytics cookies to track site usage. These:

• Are set only after you explicitly consent
• Can be declined or removed at any time
• Use anonymized IP addresses
• Do not track you across other websites

Managing Cookies

You can change your cookie preferences at any time by:

• Clearing your browser cookies and revisiting the site
• Using your browser's privacy settings to block cookies
• Changing your selection in our cookie consent banner (reload the page to see the banner again after clearing cookies)

4. Third-Party Services

Google Analytics

We use Google Analytics 4 (only with your consent) to understand site usage. Google Analytics:

• Uses cookies to collect anonymized data
• Has IP anonymization enabled
• Is configured to respect Do Not Track signals

Read Google's privacy policy: policies.google.com/privacy

CDN Services

We use Content Delivery Networks (CDNs) to serve JavaScript libraries (Chart.js). These services:

• May log IP addresses for security and performance
• Do not track your activity
• Do not set cookies

5. Data Security

We protect your information through:

• HTTPS encryption: All connections are encrypted
• Client-side processing: Calculator data never transmitted to servers
• No database storage: We don't store your calculator inputs
• Minimal data collection: We only collect what's necessary

6. Your Rights

You have the right to:

• Access: Know what data we have about you (very limited—mainly just analytics)
• Deletion: Request deletion of any data we have (contact form submissions)
• Opt-out: Decline cookies and analytics tracking
• Portability: Receive a copy of your data (if applicable)

To exercise these rights, contact us.

7. Children's Privacy

Our website is not directed to children under 13. We do not knowingly collect information from children. If you believe a child has provided us with information, please contact us immediately.

8. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last updated" date. Continued use of our site after changes constitutes acceptance of the updated policy.

9. International Users

This site is hosted in the United States. If you access our site from outside the U.S., your information may be transferred to, stored, and processed in the United States. By using our site, you consent to this transfer.

10. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to request deletion of personal information
• Right to non-discrimination

Note: We do not sell personal information and collect very limited data (only basic analytics with consent).

11. European Privacy Rights (GDPR)

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

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

12. Contact Us

If you have questions about this Privacy Policy or our practices, please contact us:

• Email: Via our contact form
• Website: apr-calculator.com