Privacy Policy

Last Updated: March 15, 2026

Your Privacy Matters

MyCreditCalculator ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our website and calculators.

Information We Collect

Calculator Inputs

We do NOT store your financial data. When you use our calculators:

  • All calculations happen in your browser
  • Your numbers (balances, payments, APR) are never sent to our servers
  • Nothing is saved or stored in a database
  • When you close the page, your data is gone

Automatically Collected Information

Like most websites, we automatically collect certain information:

  • Log Data: IP address, browser type, device type, pages visited
  • Analytics: How you use the site (via Google Analytics or similar)
  • Cookies: Small files that help the site function

Information You Provide

We only collect information you voluntarily provide:

  • Contact Form: Name, email, message (if you contact us)
  • Email Subscriptions: Email address (if you subscribe to updates)

How We Use Your Information

We use collected information for:

  • Site Operation: Ensuring the site works properly
  • Analytics: Understanding how visitors use our calculators
  • Improvement: Improving our tools and content
  • Communication: Responding to your inquiries
  • Security: Preventing fraud and abuse

We do NOT:

  • Sell your information to third parties
  • Share your financial data (we don't have it)
  • Send spam emails
  • Track you across other websites (beyond standard analytics)

Cookies and Tracking

What Are Cookies?

Cookies are small text files stored on your device that help websites remember information about your visit.

Types of Cookies We Use

  • Essential Cookies: Required for the site to function
  • Analytics Cookies: Help us understand site usage (Google Analytics)
  • Preference Cookies: Remember your settings

Managing Cookies

You can control cookies through your browser settings. However, disabling cookies may affect site functionality.

Third-Party Services

Analytics

We may use Google Analytics or similar services to understand how visitors use our site. These services may collect:

  • Pages you visit
  • Time spent on pages
  • Device and browser information
  • Geographic location (city/country level)

For more information, see Google's Privacy Policy.

Advertising (If Applicable)

If we display ads, third-party advertisers may use cookies. We do not control these cookies. Please review their privacy policies.

Data Security

We implement reasonable security measures to protect information. However:

  • No method of transmission over the internet is 100% secure
  • We cannot guarantee absolute security
  • Your financial data stays on your device (we never receive it)

Children's Privacy

Our site is not intended for children under 18. We do not knowingly collect information from children. If you believe a child has provided us with information, please contact us.

Your Rights

Depending on your location, you may have rights regarding your personal information:

  • Access: Request what information we have about you
  • Correction: Request corrections to your information
  • Deletion: Request deletion of your information
  • Opt-Out: Unsubscribe from marketing emails

To exercise these rights, contact us.

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

  • Right to know what personal information is collected
  • Right to know if personal information is sold or disclosed
  • Right to say no to the sale of personal information
  • Right to access your personal information
  • Right to equal service and price

Note: We do not sell personal information.

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 data
  • Right to rectification
  • Right to erasure ("right to be forgotten")
  • Right to restrict processing
  • Right to data portability
  • Right to object to processing

Do Not Track Signals

Some browsers have "Do Not Track" features. Our site does not currently respond to Do Not Track signals.

Links to Other Websites

Our site may contain links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes become effective immediately upon posting. We will update the "Last Updated" date at the top.

Continued use of the site after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or your personal information, please contact us.