Privacy Policy

Introduction

MyCalcToolkit ("we," "our," or "us") operates the website mycalctoolkit.com (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

By using MyCalcToolkit, you agree to the collection and use of information in accordance with this policy. If you do not agree with this policy, please do not use our Service.

Information We Collect

Automatically Collected Information

When you visit our website and grant consent, we may automatically collect certain information through Google Analytics 4, including:

• IP address (anonymized via Google Analytics settings)
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website
• Device type and screen resolution
• Geographic location (country/region level)

Information You Provide

If you contact us through our contact form (powered by FormSubmit.co), we collect the information you voluntarily provide: your name, email address, subject selection, and message content. This information is used solely to respond to your inquiry and is processed by FormSubmit.co's servers.

Calculator Data

All calculator inputs and results are processed entirely in your browser using client-side JavaScript. We do not collect, store, or transmit any data you enter into our calculators. Your financial, health, and personal information never leaves your device.

Cookie Consent Management

We use a custom-built cookie consent management system integrated with Google Consent Mode v2. When you first visit our website, a consent banner appears at the bottom of the page giving you the following options:

• Accept All: Grants consent for all cookie categories (Analytics, Advertising, Functional).
• Reject All: Denies all non-essential cookies. Only necessary cookies remain active.
• Customize: Opens a preferences panel where you can individually toggle each cookie category.

How Consent Is Stored

Your consent choice is stored locally in your browser's localStorage (key: cookie_consent) as a JSON object containing your preferences and a timestamp. This is not a cookie — it does not get sent to our servers. Your consent choice is valid for approximately 13 months, after which you will be asked again.

Changing Your Preferences

You can change your cookie preferences at any time by clicking the "Cookie Settings" link in the website footer. This re-opens the consent banner with your current preferences pre-loaded.

Default Consent State

Until you make a choice, all non-essential cookies are denied by default. Google Analytics does not collect data and Google AdSense does not serve personalized ads until you explicitly grant consent. This ensures compliance with GDPR and ePrivacy regulations for EU, UK, and EEA visitors.

Cookie Categories

Our consent system organizes cookies into four categories:

Google Analytics 4

We use Google Analytics 4 (GA4) to analyze website traffic and usage patterns. GA4 is configured with the following privacy settings on our site:

• IP anonymization is enabled (anonymize_ip: true)
• Data collection only occurs after the user grants "Analytics" consent
• Google Consent Mode v2 is implemented — GA4 automatically respects the consent state
• URL passthrough is enabled for cookieless conversion measurement
• Ads data redaction is enabled when consent is denied

You can opt out of Google Analytics entirely by installing the Google Analytics Opt-out Browser Add-on.

Google's privacy practices: Google Privacy Policy.

Google AdSense and Advertising

We may display advertisements through Google AdSense. Our implementation uses Google Consent Mode v2 to ensure:

• No advertising cookies are set until the user grants "Advertising" consent
• Ad personalization data (ad_user_data, ad_personalization) is denied by default
• When consent is denied, Google may still show non-personalized (contextual) ads that do not use cookies
• When consent is granted, Google may use the DART cookie and other identifiers to serve personalized ads based on browsing history

Opting Out of Personalized Ads

You can opt out at any time by:

• Clicking "Cookie Settings" in our footer and disabling the "Advertising" category
• Visiting Google Ads Settings
• Visiting the Network Advertising Initiative opt-out page

Third-Party Services

Our website uses the following third-party services:

Each third-party service has their own privacy policy. We encourage you to review them.

GDPR Compliance (EU, UK, EEA Users)

If you are located in the European Economic Area (EEA), United Kingdom, or European Union, you have certain data protection rights under the General Data Protection Regulation (GDPR):

• Right of Access: You can request copies of your personal data.
• Right to Rectification: You can request correction of inaccurate data.
• Right to Erasure: You can request deletion of your personal data.
• Right to Restrict Processing: You can request that we limit the processing of your data.
• Right to Data Portability: You can request transfer of your data.
• Right to Object: You can object to our processing of your personal data.
• Right to Withdraw Consent: You can withdraw your cookie consent at any time by clicking "Cookie Settings" in the footer.

To exercise any of these rights, contact us at mycalctoolkit@gmail.com. We will respond within 30 days.

Legal Basis for Processing

• Consent: Analytics and advertising cookies are only activated after you explicitly grant consent via our cookie banner.
• Legitimate Interest: Operating and securing the website (Cloudflare, necessary cookies).
• Contract: Processing your contact form submissions to respond to inquiries.

CCPA/CPRA Compliance (California Users)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You can request disclosure of personal information we've collected.
• Right to Delete: You can request deletion of personal information.
• Right to Opt-Out of Sale/Sharing: You can opt out of the "sale" or "sharing" of personal information for targeted advertising.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

We do not "sell" personal information in the traditional sense. However, the use of Google AdSense advertising cookies may constitute "sharing" under CCPA/CPRA. You can opt out by:

• Clicking "Reject All" on the cookie consent banner
• Clicking "Cookie Settings" in the footer and disabling "Advertising"
• Using Google's Ads Settings

To submit a CCPA request, contact us at mycalctoolkit@gmail.com.

Data Security

We implement the following security measures:

• The website is served exclusively over HTTPS (enforced by Cloudflare)
• Cloudflare provides DDoS protection and Web Application Firewall (WAF)
• No user data is stored on our servers — the site is entirely static
• Calculator data is processed client-side only and never transmitted
• Google Analytics cookies use the SameSite=None; Secure flag

No method of electronic transmission or storage is 100% secure. However, because we do not store personal data on our servers, the risk surface is minimal.

Children's Privacy

Our Service is not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you become aware that a child has provided us with personal information through the contact form, please contact us and we will take steps to delete such information.

Data Retention

• Cookie consent preference: Stored in your browser's localStorage for approximately 13 months.
• Google Analytics data: Retained by Google for 14 months (default GA4 retention), then automatically deleted.
• Contact form submissions: Retained in our email inbox until manually deleted.

Changes to This Policy

We may update this Privacy Policy when we add new features, services, or third-party integrations. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this page periodically. Significant changes affecting your data rights will be communicated via a prominent notice on the website.

Contact Us

If you have questions about this Privacy Policy, wish to exercise your data rights, or want to file a complaint, contact us:

• Email: mycalctoolkit@gmail.com
• Contact Form: mycalctoolkit.com/contact