🔒 Privacy Policy

What We DON'T Collect

• No personal information - We don't ask for names, emails, phone numbers, or addresses
• No financial data storage - Your loan amounts, income, and calculations stay on your device
• No tracking cookies - We don't use analytics cookies, advertising cookies, or tracking pixels
• No IP-based geolocation - We don't detect your location from your IP address
• No third-party trackers - No Google Analytics, Facebook pixels, or other tracking services
• No behavioral profiling - We don't build profiles of your interests or browsing habits
• No data sales - We have no data to sell because we don't collect any

How Our Calculators Work

Our financial calculators are designed with privacy-first architecture:

• Client-side processing - All calculations happen in your browser using JavaScript
• No server communication - Your inputs and results never travel to our servers
• Works offline - Once loaded, calculators work without internet connection
• No data persistence - Close your browser and all data is gone
• Open source calculations - All formulas are transparent and auditable

Location Information

We handle location information with complete transparency:

• User-initiated only - Location is only known when you explicitly select a state
• State-specific pages - If you visit a state-specific URL, we show relevant tax information
• No IP geolocation - We never detect your location from your internet connection
• No location tracking - We don't track where you are or where you've been
• Tax calculation only - State selection is purely for accurate tax rate calculations

Session Security

We use minimal, security-focused session management:

• Security-only session - We use a standard Laravel session cookie for security purposes
• No personal data - Session contains no personal or financial information
• CSRF protection - Prevents cross-site request forgery attacks
• Automatic expiration - Sessions expire automatically for security
• No cross-site tracking - Session cookies are not shared with other sites

Website Functionality

Here's what our website does collect for basic functionality:

• Server logs - Standard web server logs (IP addresses, page requests, timestamps) for security and performance
• Error monitoring - Technical errors to improve site reliability (no personal data)
• Basic usage stats - Anonymous page view counts to understand which calculators are most helpful
• No user identification - We cannot identify individual users from this technical data

Third-Party Services

• No analytics services - We don't use Google Analytics or similar tracking services
• No advertising networks - No third-party ads that track users
• No social media integrations - No Facebook, Twitter, or other social tracking
• CDN services only - We may use content delivery networks for faster loading (no tracking)
• Hosting provider - Standard web hosting with no additional data sharing

Data Retention

• No user data retention - We don't store any user inputs or calculations
• Server logs - Kept for 30 days for security purposes, then automatically deleted
• No backups of user data - Nothing to backup since we don't store user information
• No data recovery - We cannot recover your calculations because they never leave your device

Your Rights

Since we don't collect personal data, traditional data rights don't apply, but here's what you should know:

• No data to access - We have no personal data about you to provide
• No data to delete - Your data isn't stored, so there's nothing to delete
• No data portability - All calculations remain on your device under your control
• Complete control - You control all your data since it never leaves your browser

Changes to This Policy

We will update this privacy policy if our practices change. Since we follow a privacy-first approach, any changes will maintain or strengthen privacy protections. We will post updates on this page with a new "Last Updated" date.

Contact Information

If you have questions about this privacy policy or our privacy practices, we're happy to clarify. However, remember that we truly don't have access to any of your personal or financial information since our calculators work entirely in your browser.