Privacy Policy

1. Introduction

CalculateHome.com ("we," "us," or "our") operates the calculatehome.com website (the "Service"). This Privacy Policy explains how we collect, use, protect, and handle your information when you use our real estate investment calculators and related services.

This policy applies to all users of our Service, regardless of location. By using our Service, you agree to the collection and use of information in accordance with this policy.

Core Privacy Principles

• Transparency: Clear communication about data practices
• Minimization: Collect only what's necessary for service
• Security: Protect data with appropriate safeguards
• User Control: Give you control over your data
• Purpose Limitation: Use data only for stated purposes

2. Information We Collect

Calculator Input Data

When you use our calculators, the financial data you enter is:

• Processed entirely in your web browser
• Stored locally on your device (if you save calculations)
• Never sent to our servers during normal use
• Under your complete control

Automatically Collected Information

We automatically collect certain information to improve our service:

• Technical Information: Browser type, version, operating system
• Usage Data: Pages visited, time spent, interaction patterns
• Network Information: IP address (anonymized), referring website
• Device Information: Screen size, device type (for responsive design)

Optional Information

You may voluntarily provide:

• Email address (for support requests)
• Feedback and comments
• Saved calculation data (if you choose to save)
• Contact form submissions

3. How We Use Information

We use collected information for the following purposes:

Service Provision & Improvement

• Provide and maintain our calculator services
• Improve calculator accuracy and functionality
• Optimize website performance and user experience
• Develop new features and tools

Analytics & Research

• Analyze website usage patterns and trends
• Understand which calculators are most useful
• Research user behavior to improve services
• Generate anonymous usage statistics

Communication & Support

• Respond to support requests and inquiries
• Send service-related communications
• Provide technical assistance
• Address user feedback and concerns

Legal & Security

• Comply with legal obligations
• Protect against fraud and abuse
• Enforce our terms of service
• Maintain service security

4. Calculator Data Handling

Data Processing Details

• Client-Side Processing: All calculations happen in your browser using JavaScript
• No Server Transmission: Input data never leaves your device during normal use
• Local Storage Only: Saved calculations stored only on your device
• No Backup: We don't backup your calculation data on our servers
• User Control: You can clear saved data anytime

5. Cookies & Local Storage

We use cookies and local storage technologies to enhance your experience:

Essential Cookies

• Session Management: Remember your preferences during your visit
• Security: Protect against cross-site request forgery
• Functionality: Remember calculator settings and saved data

Analytics Cookies

• Google Analytics: Anonymous usage tracking and website optimization
• Performance Monitoring: Track page load times and errors
• Feature Usage: Understand which tools are most valuable

Advertising Cookies

• Google AdSense: Delivers personalized advertisements
• DoubleClick DART Cookie: Tracks ad impressions and interactions
• Third-Party Ad Networks: May use cookies to deliver relevant ads
• Duration: Typically 30 days to 2 years depending on the cookie
• User Control: You can disable personalized advertising through Google Ad Settings

Local Storage

• Saved Calculations: Store your calculation results locally
• User Preferences: Remember your settings and preferences
• Calculator History: Keep track of recent calculations

6. Information Sharing

We may share information only in these limited circumstances:

Service Providers

• Google Analytics: Anonymous website analytics (Google's privacy policy applies)
• Google AdSense: Relevant advertising (you can opt-out)
• Cloud Infrastructure: Hosting and content delivery (anonymized data only)

Legal Requirements

• When required by law or legal process
• To protect our rights and safety
• To prevent fraud or abuse
• In response to valid government requests

Business Transfers

In the unlikely event of a merger, acquisition, or sale of assets, user information may be transferred as part of that transaction. We would notify users of any such change.

7. Data Security

We implement comprehensive security measures to protect your information:

Technical Safeguards

• SSL/TLS Encryption: All data transmission protected with industry-standard encryption
• Secure Hosting: Infrastructure hosted on secure, monitored servers
• Access Controls: Limited access to systems and data
• Regular Updates: Keep all systems updated with security patches

Operational Security

• Data Minimization: Collect and store only necessary information
• Regular Audits: Periodic security assessments and reviews
• Incident Response: Procedures for handling security incidents
• Employee Training: Staff education on privacy and security practices

Your Security

• Use strong, unique passwords for accounts
• Keep your browser and devices updated
• Be cautious about sharing saved calculations
• Clear local data when using public computers

8. Your Privacy Rights

How to Exercise Your Rights

• Contact Us: Send requests to privacy@calculatehome.com
• Response Time: We respond within 30 days
• Verification: We may need to verify your identity
• No Cost: Exercising these rights is free

Browser Controls

• Clear Local Data: Delete saved calculations and preferences
• Disable Cookies: Prevent cookie storage
• Private Browsing: Use incognito/private mode
• Ad Blockers: Block advertising cookies

9. Third-Party Services

We integrate with limited third-party services to provide our functionality:

Google Analytics

• Purpose: Website analytics and performance monitoring
• Data: Anonymous usage data, page views, user flows
• Privacy: IP addresses anonymized, no personal identification
• Opt-Out: Google Analytics Opt-Out
• Policy: Google Privacy Policy

Google AdSense

• Purpose: Display relevant advertisements to support our free service
• Data: Anonymous browsing behavior for ad targeting
• Personalization: Based on interests, not personal information
• Cookies Used: Google AdSense uses cookies and web beacons to serve ads based on your prior visits to our website and other sites on the Internet
• Third-Party Vendors: Google and third-party vendors use cookies to serve ads based on a user's prior visits to websites
• DoubleClick Cookie: Google's use of the DoubleClick cookie enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet
• Opt-Out Options:
  • Google Ad Settings - Customize your ad preferences
  • NAI Opt-Out - Network Advertising Initiative opt-out
  • Digital Advertising Alliance - Industry opt-out tool
• Policy: Google Advertising Policy

Content Delivery Network (CDN)

• Purpose: Fast, reliable content delivery
• Data: IP addresses for routing (not stored)
• Security: SSL encryption for all content

10. International Users

Our Service is available globally, and we respect international privacy laws:

Data Transfers

• Server Location: Primary servers located in the United States
• Adequate Protection: Appropriate safeguards for international transfers
• Consent: By using our Service, you consent to data transfer

Regional Compliance

• GDPR (EU): Full compliance with European data protection laws
• CCPA (California): California Consumer Privacy Act compliance
• PIPEDA (Canada): Personal Information Protection compliance
• Other Jurisdictions: Respect for local privacy laws

11. Children's Privacy

Protecting children's privacy is important to us:

• Age Restriction: Our Service is not intended for children under 18
• No Targeted Collection: We don't knowingly collect information from children
• Parental Rights: Parents can request deletion of children's data
• Discovery Process: If we discover children's data, we delete it promptly

12. Data Retention

We retain information only as long as necessary:

Retention Periods

• Usage Analytics: 26 months (Google Analytics default)
• Server Logs: 30 days maximum
• Contact Communications: 3 years for support purposes
• Calculator Data: Stored locally on your device only

Deletion Triggers

• Automatic deletion after retention periods
• User requests for data deletion
• Account closure or service termination
• Legal requirement for deletion

Secure Deletion

When we delete data, we use secure deletion methods to ensure information cannot be recovered.

13. Policy Changes

We may update this Privacy Policy to reflect changes in our practices or legal requirements:

Notification Process

• Website Notice: Updated policy posted on this page
• Date Change: "Last Updated" date reflects when changes were made
• Material Changes: Prominent notice for significant changes
• Email Notice: Direct notification for major changes (if we have your email)

Your Options

• Review Changes: Check this page periodically for updates
• Continued Use: Using our Service after changes means acceptance
• Disagreement: Stop using our Service if you disagree with changes
• Contact Us: Ask questions about policy changes

Related Legal Documents

Please also review our other legal documents:

• Terms of Service - Legal terms for using our service
• Disclaimer - Important disclaimers about our calculators and content