1. Introduction and Scope

Welcome to Compound Interest Calc (“we,” “our,” or “us”), accessible at compoundinterestcalc.online (the “Website”). We are committed to being transparent about how we handle information in connection with your use of our Website. This Privacy Policy explains what information we collect, how we use it, the circumstances under which we may share it, and the choices you have regarding your information.

This Privacy Policy applies solely to information collected through our Website, compoundinterestcalc.online, and does not apply to information collected offline or through any other websites, applications, or services that we do not operate. By accessing or using our Website, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please refrain from using our Website.

We encourage you to read this Privacy Policy carefully and in its entirety. If you have any questions about any part of this document, please contact us using the contact information provided at the end of this policy.

2. Information We Collect

At present, Compound Interest Calc does not actively collect, store, or process any personally identifiable information from users of the Website. You are not required to create an account, register, or provide any personal details in order to use our calculator tools.

However, like virtually all websites connected to the internet, certain technical and non-personal information may be automatically transmitted or logged as a result of your use of the Website. This may include, but is not limited to:

• Log Data: Your browser or device may automatically send information to our web hosting server, including your Internet Protocol (IP) address, browser type and version, operating system, referring URLs, pages viewed, and the date and time of your visit. This information is typically retained in server logs maintained by our web hosting provider and may be used for security monitoring, troubleshooting, and general analytics purposes.
• Device Information: General information about the device you use to access our Website, such as your device type, screen resolution, and browser settings. This information is not linked to any personally identifiable information.
• Usage Data: Anonymous, aggregated data about how visitors interact with our Website, including which tools or pages are accessed, time spent on pages, and navigation paths. This data is used in aggregate form and is not associated with any individual user.

The collection of the above technical data is inherent to the operation of all websites and is not within our direct control. It is collected and retained by our hosting infrastructure and, in some cases, by third-party analytics or advertising partners described further in this policy.

3. Information We Do Not Collect

We want to be clear about the types of information we do not collect. Specifically:

• We do not require users to create accounts or register with the Website.
• We do not collect your name, email address, phone number, mailing address, or any other contact information unless you voluntarily provide it to us by reaching out via our contact details.
• We do not collect payment information of any kind. Our Website does not have e-commerce functionality at this time.
• We do not collect sensitive personal information such as financial account numbers, Social Security or government identification numbers, health information, biometric data, or information about racial or ethnic origin, religious beliefs, or political opinions.
• We do not knowingly collect any personal information from children under the age of 13 (or under 16 in certain jurisdictions).
• We do not sell your personal data to third parties.

The calculations you perform on our Website are conducted entirely within your web browser and are not transmitted to or stored on our servers. Your financial inputs — such as principal amounts, interest rates, time periods, and compounding frequencies — remain on your device and are not logged or retained by us in any form.

4. Cookies and Tracking Technologies

Cookies are small text files that are placed on your device by websites you visit. They are widely used to make websites work more efficiently, provide functionality, and give website operators information about how users interact with their sites.

Currently, Compound Interest Calc does not use its own first-party cookies to identify or track individual users. However, please be aware of the following:

• Third-Party Cookies: If and when we introduce advertising through Google Ads or other third-party advertising networks, those services may place their own cookies or use similar tracking technologies on your device. These cookies are placed and controlled by third parties and are governed by their respective privacy policies.
• Analytics: We may in the future use anonymized analytics tools (such as Google Analytics) to better understand aggregate usage patterns of our Website. If and when such tools are deployed, this policy will be updated accordingly.
• Browser Controls: Most web browsers allow you to manage cookies through their settings. You may choose to block, delete, or restrict cookies. However, please note that disabling certain cookies may affect the functionality of our Website or of third-party services we rely upon.

We will update this Privacy Policy prior to introducing any substantive use of cookies or tracking technologies that affect your privacy in a meaningful way.

5. Google Advertising and Third-Party Ad Networks

We intend to display advertisements on our Website in the future through Google AdSense and/or other advertising networks operated by Google LLC or its affiliates. This section describes how such advertising may affect your privacy when it is implemented.

How Google Advertising Works: Google uses cookies and similar tracking technologies to serve advertisements to users based on their prior visits to our Website and other websites across the internet. Google’s advertising system may collect information about your browser type, IP address, pages visited, search queries, interests, and other browsing behavior to display advertisements that are relevant to you. This practice is commonly referred to as “interest-based advertising” or “behavioral advertising.”

Information Google May Collect: When Google advertising is active on our Website, Google may collect and use information about you in accordance with its own Privacy Policy. This may include:

• Your IP address and general geographic location derived from it
• Your browser type, version, and language preferences
• The pages on our Website (and other websites) that you visit
• Your interests and browsing behavior across websites that use Google’s advertising services
• Cookie identifiers and mobile advertising identifiers

DoubleClick Cookie: Google uses the DoubleClick cookie and other tracking mechanisms to track user interactions with advertisements and to serve targeted ads. This cookie is a third-party cookie placed by Google, not by us.

Opting Out of Interest-Based Advertising: You have several options for opting out of interest-based advertising from Google and other participating ad networks:

• You may opt out through the Google Ads Settings page at adssettings.google.com.
• You may opt out through the Network Advertising Initiative (NAI) opt-out tool at optout.networkadvertising.org.
• You may opt out through the Digital Advertising Alliance (DAA) opt-out tool at optout.aboutads.info.
• You may use browser-level settings or extensions to block third-party cookies or advertising trackers.

Google’s Privacy Policy: The collection and use of information by Google in connection with advertising is governed by Google’s Privacy Policy, which can be found at policies.google.com/privacy. We strongly encourage you to review Google’s Privacy Policy to understand how Google handles information collected through its advertising services.

Disclaimer: We do not have access to or control over the cookies or tracking technologies used by Google or any other third-party advertising partners. We are not responsible for the privacy practices of these third parties. The information collected by advertising partners through our Website is processed and controlled by those partners, not by us.

6. How We Use Information

To the extent that any non-personal or technical information is collected in connection with your use of our Website, we may use such information for the following limited purposes:

• Website Operation and Maintenance: To ensure the technical functioning and stability of the Website, including diagnosing errors, optimizing performance, and safeguarding against malicious activity.
• Security Monitoring: To detect, prevent, and respond to unauthorized access, abuse, and other security threats.
• Aggregate Analytics: To understand how users interact with our Website in aggregate, such as understanding which features are most used, so that we may improve and enhance the user experience.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, or enforceable governmental requests.
• Advertising Delivery (Future): When third-party advertising is implemented, anonymous and aggregated data about Website usage may assist in contextual ad targeting (serving ads relevant to the content of the page). Any behavioral ad targeting will be conducted by Google through their own systems, as described above.

We do not use any information to make automated decisions that produce legal or similarly significant effects on individuals. We do not use information for any purpose other than those described in this Privacy Policy without first providing notice and, where required by law, obtaining your consent.

7. Third-Party Disclosure and Data Sharing

We do not sell, trade, rent, or otherwise transfer your personal information to outside parties. This does not include trusted third parties who assist us in operating our Website or conducting our business, provided that those parties agree to keep this information confidential and comply with applicable privacy laws.

We may disclose information in the following limited circumstances:

• Service Providers: We may share technical or operational data with third-party service providers (such as web hosting providers and infrastructure services) who process data on our behalf. These service providers are contractually obligated to use information only as necessary to provide services to us and are prohibited from using or disclosing it for any other purpose.
• Advertising Partners: When Google Ads or other advertising networks are enabled on our Website, certain non-personal data may be made available to those services as part of standard ad-serving technology. See Section 5 for a full explanation of how Google advertising works.
• Legal Obligations: We may disclose information if required to do so by law, court order, regulatory authority, or other governmental request, or where we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
• Business Transfers: In the event that Compound Interest Calc or substantially all of its assets are acquired, information held by us may be one of the assets transferred to the acquiring party. If such a transfer occurs, you will be notified via a prominent notice on our Website, and this Privacy Policy will be updated.

Outside of the circumstances described above, we do not share information with third parties without your express consent.

8. Children’s Privacy

Our Website is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are a parent or guardian and you believe that your child under 13 has provided personal information to us through any means, please contact us immediately at the address provided below. If we learn that we have inadvertently collected personal information from a child under 13 without verifiable parental consent, we will take steps to delete that information from our systems as promptly as possible.

In jurisdictions where the age of digital consent is higher (such as 16 years of age in certain European Union member states), we apply those higher thresholds accordingly. If you are under the applicable age of digital consent in your jurisdiction, please do not use our Website or provide us with any personal information.

While our compound interest calculator is a general educational and financial planning tool that may be used by students of various ages, we design our Website to be appropriate for general audiences and do not intentionally collect data from minors. Parents and guardians are encouraged to supervise their children’s use of the internet and online services generally.

9. Data Security

We take reasonable and appropriate measures to protect the Website and any information associated with its operation against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Using secure HTTPS (TLS/SSL) encryption for data transmission between your browser and our Website.
• Hosting our Website with reputable web hosting providers that implement industry-standard security protocols.
• Limiting access to server infrastructure and any administrative systems to authorized personnel only.
• Maintaining this Privacy Policy to ensure transparency and accountability regarding data practices.

Please be aware, however, that no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect information, we cannot guarantee its absolute security. By using our Website, you acknowledge and accept these inherent risks associated with internet-based services.

If you become aware of any security vulnerability or breach related to our Website, we encourage you to notify us immediately using the contact information provided at the end of this policy.

10. Your Privacy Rights

Depending on your jurisdiction, you may have certain rights with respect to your personal information. Because we do not actively collect personal information from users of our Website, many of these rights may have limited practical applicability in the context of our current operations. Nevertheless, we outline these rights below for full transparency:

• Right to Access: You may have the right to request a copy of any personal information we hold about you.
• Right to Correction: You may have the right to request that we correct inaccurate or incomplete personal information we hold about you.
• Right to Deletion: You may have the right to request that we delete personal information we hold about you, subject to certain legal exceptions.
• Right to Restriction of Processing: You may have the right to request that we limit the way we use your personal information in certain circumstances.
• Right to Data Portability: You may have the right to receive personal information you have provided to us in a structured, commonly used, and machine-readable format.
• Right to Object: You may have the right to object to our processing of your personal information in certain circumstances, including processing for direct marketing purposes.
• Right to Withdraw Consent: Where we rely on your consent as the legal basis for processing, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal.

To exercise any of the above rights, please contact us using the information provided in Section 15. We will respond to your request within the timeframe required by applicable law. Please note that we may need to verify your identity before responding to certain requests, and there may be legal exceptions that allow or require us to retain or continue processing certain information notwithstanding your request.

11. International Users

Our Website is operated from and primarily intended for users within jurisdictions where English is a common language, including but not limited to the United States, the United Kingdom, Canada, and Australia. However, our Website is accessible globally, and we welcome users from all countries.

If you are accessing our Website from outside these regions, including from the European Economic Area (EEA), the United Kingdom, Canada, or other jurisdictions with privacy regulations, please be aware that your information — even if limited to technical data as described in this policy — may be processed and stored in countries that may not have the same level of data protection laws as your country of residence.

By using our Website from a jurisdiction outside the one in which our infrastructure operates, you consent to the processing and transfer of information as described in this Privacy Policy. We are committed to ensuring that any such processing is conducted in a manner consistent with applicable data protection laws.

12. California Privacy Rights (CCPA / CPRA)

If you are a resident of the State of California, you have specific rights under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This section describes those rights and how to exercise them.

Categories of Personal Information Collected: As described throughout this Privacy Policy, we do not actively collect personal information from users. Technical data such as IP addresses and server log data may be automatically collected by our hosting infrastructure. To the extent any such data is considered “personal information” under California law, we describe the categories below:

• Identifiers (such as IP addresses): Collected automatically via server logs.
• Internet or other electronic network activity information (such as pages visited and browser type): Collected via server logs.

We Do Not Sell Personal Information: We do not sell personal information as that term is defined under the CCPA/CPRA. If we implement advertising through Google or other networks, those networks may use data in ways that could constitute a “sale” or “sharing” under California law. You may opt out of such data sharing through the tools described in Section 5 of this policy, or by enabling the Global Privacy Control (GPC) signal in your browser.

Your California Rights: California residents have the right to:

• Know what personal information we have collected, disclosed, or sold about them.
• Request deletion of their personal information, subject to certain exceptions.
• Opt out of the sale or sharing of their personal information.
• Non-discrimination for exercising any of their CCPA/CPRA rights.
• Correct inaccurate personal information that we hold about them.
• Limit the use and disclosure of sensitive personal information (we do not collect sensitive personal information).

To exercise your California privacy rights, please contact us using the information provided in Section 15. We will respond within 45 days as required by law, with the possibility of a one-time 45-day extension if necessary.

13. European Users and GDPR

If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, you may have rights under the General Data Protection Regulation (GDPR) or equivalent legislation. This section is intended to address those rights and our obligations as they may apply to our Website.

Legal Basis for Processing: To the extent we process any personal data (such as IP addresses automatically recorded by our hosting infrastructure), we rely on the following legal bases under Article 6 of the GDPR:

• Legitimate Interests (Article 6(1)(f)): The processing of technical data such as IP addresses and log files is necessary for our legitimate interests in operating, maintaining, and securing our Website.
• Legal Obligation (Article 6(1)(c)): We may process certain information to comply with applicable legal obligations.
• Consent (Article 6(1)(a)): Where we rely on your consent (for example, for advertising cookies when we implement Google Ads), you will be asked to provide explicit consent via a cookie consent mechanism prior to such data collection.

Data Retention: We retain technical server log data only for as long as necessary for the purposes described in this policy and in accordance with our hosting provider’s standard retention policies, typically no longer than 90 days unless required by law.

Data Transfers: Where any personal data originating in the EEA is transferred outside the EEA (for example, to servers located in the United States), such transfer will be conducted only where appropriate safeguards are in place, such as Standard Contractual Clauses (SCCs) approved by the European Commission.

Your GDPR Rights: Under the GDPR, you have the right to access, rectify, erase, restrict, and port your personal data, as well as the right to object to certain types of processing. You also have the right to lodge a complaint with your local supervisory authority if you believe we have processed your personal data in violation of applicable law.

To exercise your GDPR rights or raise concerns, please contact us as described in Section 15.

14. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time, in our sole discretion, to reflect changes in our practices, Website features, legal requirements, or other operational considerations. When we make material changes to this Privacy Policy, we will update the “Last Updated” date at the top of this document. In the event of significant changes — including changes related to the introduction of advertising, new data collection practices, or major new uses of information — we may take additional steps to notify users, such as posting a notice on our Website’s homepage.

Your continued use of our Website following the posting of changes constitutes your acknowledgment of and consent to the updated Privacy Policy. We therefore encourage you to review this page periodically to remain informed about our privacy practices. If you do not agree with the revised Privacy Policy, please discontinue your use of the Website.

The version of the Privacy Policy in effect at the time of any interaction with our Website governs the handling of information in connection with that interaction, except where we are required by law to apply a different standard retroactively.

15. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or our privacy practices generally, please do not hesitate to reach out to us. We are committed to addressing your inquiries promptly and thoroughly.

You may contact us at:

Compound Interest Calc
Website: Contact Us Page

When contacting us regarding a privacy matter, please include sufficient detail about your request or concern so that we may respond effectively. If you are submitting a formal data subject rights request under the CCPA, GDPR, or other applicable law, please state the nature of your request clearly and include your jurisdiction so that we may apply the appropriate legal framework.

We will make every reasonable effort to respond to all legitimate inquiries within a reasonable timeframe, and no later than the timeframe required by applicable law.