Last updated: 17 October 2026

Privacy Policy

Effective date: 2 October 2026. This policy describes how Calcumetrics collects, uses, and shares information when you use our website at calcumetrics.com.

1. Who we are and how to contact us

Calcumetrics is an independent financial calculator website. For any privacy-related query or to exercise your rights, contact us at: hello@calcumetrics.com.

2. What we collect and how we calculate

Private calculator inputs: All financial calculations run entirely within your client-side browser. Your monetary inputs, interest rates, salary figures, and loan details are never transmitted to our servers, never saved to our databases, and never sold to third parties. Inputs never leave your device.

Self-hosted typography: All fonts (Inter and Playfair Display) are self-hosted directly on our origin servers. We do not load fonts, scripts, or styles from external font CDNs, ensuring that your IP address and browser telemetry are not shared with third-party font networks.

Cookieless web analytics (Cloudflare): We use Cloudflare Web Analytics to monitor aggregate traffic volume, page views, and edge performance. Cloudflare Web Analytics is privacy-first, 100% cookieless, and does not use local storage or device fingerprinting. It does not track you across other websites, does not collect personal identifiers, and does not log IP addresses.

Website analytics & performance metrics (Google Analytics 4): We use Google Analytics 4 (GA4, Measurement ID G-BGJDT7C82V) to understand aggregate site traffic patterns, popular calculators, and technical platform reliability. GA4 is configured with Google Consent Mode v2, defaulting advertising storage, ad user data, and personalization to denied. For visitors in the EEA, United Kingdom, and Switzerland, analytics storage is also denied until you opt in through the cookie banner. Calculator inputs, financial figures, and loan values are strictly excluded from all analytics telemetry; only high-level aggregate interaction events (such as calculation completion) and standard non-identifying telemetry (e.g., browser type, approximate country/region, referral source) are recorded.

Embedded calculator widgets: When a Calcumetrics calculator widget is embedded on another website, the widget runs entirely in the visitor's browser. It sets no cookies, uses no local storage, and loads no analytics or advertising scripts. Our hosting provider (Cloudflare) processes standard request data, such as IP address and browser type, to deliver the widget securely. The website hosting the widget has its own privacy policy, which governs its own data practices.

3. Cookies and browser storage

Calcumetrics uses browser storage and standard analytics cookies to provide functionality and understand site usage:

Functional local storage (localStorage): We store your chosen user preferences locally on your device (e.g. cm_currency for active currency format and cm_theme for dark/light mode). This data resides exclusively in your browser and is never uploaded to our servers.
First-party analytics cookies (Google Analytics): When enabled, Google Analytics sets first-party cookies (such as _ga and _ga_*) to distinguish anonymous visitor sessions and compile aggregate usage reports. These cookies do not store personal financial data or track identity across unrelated domains.

You can turn analytics cookies on or off at any time using Cookie settings in the site footer, or clear cookies and local storage through your browser settings. For detailed information on each storage key, see our Cookie Policy.

4. Advertising and third-party cookies (Google AdSense)

Calcumetrics displays or plans to display third-party advertisements served by Google AdSense and certified advertising networks to keep our calculation tools 100% free for everyone.

Third-party vendor cookie disclosure:

Third-party vendors, including Google, use cookies (such as the DoubleClick cookie) to serve ads based on a user's prior visits to this website or other websites on the Internet.
Google's use of advertising cookies enables it and its partners to serve ads to our users based on their visit to our sites and/or other sites across the Web.
Users may opt out of personalized advertising by visiting Google Ad Settings.
Alternatively, users can opt out of third-party vendor use of cookies for personalized advertising by visiting www.aboutads.info.

Calcumetrics does not currently set advertising cookies: advertising storage, ad user data, and ad personalization are denied by default for all visitors. Before advertising is enabled, we will add a Google-certified consent management platform for visitors in the European Economic Area (EEA), United Kingdom, and Switzerland, and update this policy.

5. Legal bases and your rights

Depending on your jurisdiction, you may have rights under GDPR/UK GDPR (access, correction, deletion, restriction, portability, objection, withdrawal of consent), India's Digital Personal Data Protection Act 2023, or applicable US state privacy laws (CCPA/CPRA and others). To exercise any right, contact us at hello@calcumetrics.com.

6. India: Digital Personal Data Protection Act 2023

What we collect: through Google Analytics 4 only: a pseudonymous cookie identifier (_ga, _ga_*), pages viewed, calculator interaction events, referral source, browser and device type, and an approximate city/region that Google derives from your IP address. We do not collect your name, phone number, PAN, Aadhaar, bank details or anything you type into a calculator.

Purpose: to measure aggregate traffic, see which calculators are used, and find technical errors. We do not use this data for advertising or to identify you.

Withdrawing consent: use the "Cookie settings" link in the footer of any page and switch analytics off. Analytics stops from that moment and the Google Analytics cookies are removed from your browser. Withdrawing is as easy as giving consent and does not affect any calculator.

Your rights and grievances: you can ask for a summary of the personal data we process, its correction or erasure, nominate another person to exercise your rights, or raise a grievance by writing to hello@calcumetrics.com with the subject "DPDP grievance". We will respond within 30 days. If you are not satisfied with our response, you may complain to the Data Protection Board of India.

7. California notice

Calcumetrics does not sell or share personal information, as those terms are defined in the California Consumer Privacy Act as amended by the CPRA, and has not done so in the past 12 months. We do not use personal information for cross-context behavioural advertising and do not collect sensitive personal information. California residents may ask to know, correct or delete the personal information described above by writing to hello@calcumetrics.com; we will not treat you differently for making a request.

8. Data retention and security

We do not retain or store any user financial inputs on any server. Aggregate analytics data from Cloudflare and Google Analytics is retained in accordance with industry-standard retention windows and strict privacy policies. All connections enforce modern HTTPS, HSTS, and strict security headers.

9. Children

This site is not directed at children under 13 (or the applicable age of digital consent in your country). We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, contact us and we will delete it.

10. Changes to this policy

We update this policy when our practices change. The "Last updated" date at the top reflects the date of the last material change. Continued use of the site after a change constitutes acceptance of the updated policy. This policy should be read with our terms and disclaimer; questions can also be sent through our contact page.