Privacy Policy

Last Updated: 7/16/2025

1. Information We Collect

Information You Voluntarily Provide

• Email Address: Only when you subscribe to our newsletter or contact us
• Contact Information: Name and message when you voluntarily contact us

Information Collected Automatically

• Technical Information: IP address, browser type, operating system, pages visited, time spent
• Cookies and Similar Technologies: Essential cookies for functionality, analytics cookies (Google Analytics), advertising cookies (Google AdSense)

Information We DO NOT Collect

• Specific financial calculator data (processed locally)
• Bank account numbers or sensitive financial information
• Personal information without explicit consent
• Data from children under 13

2. How We Use Your Information

• Provide and improve our educational services
• Send newsletters (only with consent)
• Respond to inquiries and provide support
• Analyze website usage for improvements
• Display relevant advertising through partners
• Comply with legal obligations

3. Legal Basis for Processing (GDPR)

• Consent: For newsletters and marketing communications
• Legitimate Interests: For website analytics, service improvements, and advertising
• Legal Compliance: To comply with applicable legal obligations

4. Sharing Information with Third Parties

We do not sell your personal information. We may share information with:

• Service Providers: Google Analytics, Google AdSense, email providers
• Advertising Partners: To display relevant ads (aggregated data only)
• Legal Compliance: When required by law or to protect our rights

5. Data Retention

• Email addresses: Until you unsubscribe
• Contact messages: 2 years for customer service
• Analytics data: 26 months (Google Analytics)
• Cookies: According to browser settings

6. Your Privacy Rights

General Rights

• Access information we have about you
• Correct inaccurate information
• Request deletion of your data
• Unsubscribe from communications at any time
• Data portability (where applicable)

GDPR Rights (EU Residents)

• Right of access and portability
• Right of rectification and erasure
• Right to restrict processing
• Right to object to processing
• Right to withdraw consent

CCPA Rights (California Residents)

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt-out of sale (we do not sell data)
• Right to non-discrimination

7. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes SSL encryption, restricted data access, and regular security monitoring.

8. International Transfers

Your information may be transferred to and processed in the United States and other countries where our service providers operate. We ensure such transfers comply with applicable data protection laws, including the use of standard contractual clauses where necessary.

9. Children's Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If we discover we have collected information from a child under 13, we will delete it immediately.

10. Cookies and Tracking Technologies

11. Monetization and Advertising

We generate revenue through Google AdSense, affiliate marketing, and other advertising services. These partners may use cookies and similar technologies to show relevant ads based on your interests, but we do not share your personally identifiable information with them.

12. Changes to This Policy

We may update this Privacy Policy occasionally. We will notify you of significant changes by posting the new policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically.

13. Company Information

14. Contact Us

For privacy-related questions, data requests, or to exercise your rights, contact us at: