PRIVACY POLICY

1. DATA COLLECTION DISCLOSURE

1.1 We Actively Track and Collect:

We use multiple tracking technologies and collect the following information:

• Full IP Address: Your complete IP address (may be shared with analytics providers)
• Device Fingerprinting: Unique device identifiers, browser configuration, installed plugins
• Behavioral Tracking: Every click, scroll, mouse movement, and interaction with our tools
• Location Data: Approximate geographic location based on IP address
• Advertising Identifiers: Cookie IDs for advertising and remarketing purposes
• Cross-Site Tracking: Your activity may be tracked across other websites
• Session Recording: We may record your entire session including all inputs
• Form Inputs: All data entered into calculators and forms (even if not submitted)
• Browser Storage: LocalStorage, SessionStorage, IndexedDB contents
• Referral Sources: Complete URL of referring pages

1.2 Third-Party Tracking Services

We use the following third-party services that independently collect your data:

• Google Analytics: Tracks user behavior, demographics, interests
• Google AdSense/Ads: Serves targeted advertisements based on your browsing history
• Microsoft Clarity: Records and replays user sessions
• Facebook Pixel: Tracks for advertising and retargeting
• Other Ad Networks: Various advertising partners may place tracking cookies

These third parties have their own data collection practices over which we have no control.

2. ADVERTISING AND MARKETING

2.1 How We Use Your Data for Advertising

• Display targeted advertisements based on your behavior
• Create user profiles for advertising purposes
• Share anonymized data with advertising partners
• Retarget you with ads on other websites
• Sell aggregated, non-personally identifiable data to third parties
• Use your data to improve ad targeting algorithms

2.2 Advertising Cookies

We use persistent advertising cookies that may track you for years unless manually deleted. These cookies:

• Build profiles of your interests
• Track your activity across multiple websites
• Share data with advertising networks
• Enable personalized advertising

3. DATA SECURITY DISCLAIMER

• Data Breaches May Occur: Your data may be accessed, disclosed, altered, or destroyed by breach of our security measures
• Internet Transmission Risks: No method of internet transmission is 100% secure
• Third-Party Vulnerabilities: Our service providers may experience breaches
• Unauthorized Access: Hackers may gain access despite security measures
• Internal Threats: Data may be compromised by internal bad actors
• Technical Failures: Security measures may fail due to technical errors

3.1 Limitation of Liability for Data Incidents

WE ARE NOT LIABLE FOR:

• Any data breach or security incident
• Unauthorized access to your information
• Loss, corruption, or theft of data
• Damages resulting from data exposure
• Identity theft or fraud
• Third-party misuse of your data
• Failure of security measures
• Any direct, indirect, or consequential damages from data incidents

3.2 Your Assumption of Risk

By using this website, you explicitly acknowledge and agree that:

• You assume all risks associated with data transmission and storage
• You will not hold us liable for any data-related incidents
• You are responsible for your own data security
• You should not provide sensitive information you're not willing to lose

4. DATA SHARING AND SALE

4.1 We May Share Your Data With:

• Analytics Providers: Full access to usage data
• Advertising Networks: Behavioral data for ad targeting
• Marketing Partners: Aggregated user statistics
• Service Providers: Any vendor we work with
• Business Partners: For joint marketing efforts
• Data Brokers: Aggregated and anonymized data
• Acquirers: In case of merger or acquisition
• Law Enforcement: When requested (with or without warrant where permitted)

4.2 Data Sale and Monetization

We reserve the right to:

• Sell anonymized and aggregated user data
• License data to third parties
• Use data for any lawful commercial purpose
• Monetize user behavior patterns and trends

5. COOKIES AND TRACKING TECHNOLOGIES

5.1 Types of Tracking We Use

5.2 Third-Party Cookies

Third parties may place their own cookies including:

• Google (Analytics, Ads, DoubleClick)
• Facebook (Social plugins, Pixel)
• Microsoft (Clarity, Advertising)
• Amazon (Affiliate tracking)
• Various ad networks and exchanges

6. DATA RETENTION

We retain data indefinitely unless you explicitly request deletion. Even after deletion requests:

• Backups may retain your data for extended periods
• Cached versions may persist on servers
• Third parties may retain copies independently
• Legal holds may prevent deletion
• Aggregated data is never deleted

7. CHILDREN'S DATA

We do not knowingly collect data from children under 13. However, we cannot verify ages and are not liable if children provide false information about their age.

8. INTERNATIONAL DATA TRANSFERS

Your data may be transferred to countries with no data protection laws. By using our site, you consent to transfer to any country regardless of protection levels.

9. YOUR LIMITED RIGHTS

You may request:

• Access to your data (response within 45 days)
• Deletion of your data (subject to our retention policies)
• Opt-out of marketing emails (does not stop tracking)

Note: Opting out of cookies may make the website unusable. We are not responsible for functionality loss.

9.1 No Guarantee of Rights

We may deny any request for:

• Legal or business reasons
• Technical infeasibility
• Excessive burden
• Any reason at our sole discretion

10. CALIFORNIA AND EUROPEAN RESIDENTS

If you are a California resident (CCPA) or European resident (GDPR), you may have additional rights. However:

• We may require extensive verification of identity
• We may charge fees for requests where permitted
• We may deny requests we deem unfounded or excessive
• You must prove residency to claim these rights

11. CHANGES TO THIS POLICY

We may change this policy at any time without notice. Your continued use constitutes acceptance of changes. Check this page regularly.

12. DISPUTE RESOLUTION

Any privacy disputes must be resolved through binding arbitration. You waive rights to class action lawsuits. Claims must be brought within one year.

13. CONTACT

For privacy inquiries: [email protected]

Note: We may take up to 45 days to respond. No response guaranteed for repeated inquiries.