Privacy Policy

Welcome to FinSimpler ("we," "us," or "our"). We operate this website to provide free financial calculator tools, including mortgage, auto loan, personal loan, savings, retirement, and 401(k) calculators.

This Privacy Policy explains how information is collected, used, and disclosed when you visit and use our website. We are committed to protecting your privacy and being transparent about our data practices.

Our website does not require user accounts, and we do not directly collect, store, or process personal data on our servers. However, we use third-party services, including Google AdSense, that may collect certain information through cookies and similar technologies as described in this policy.

By using our website, you acknowledge that you have read and understood this Privacy Policy.

We do not directly collect personal information from you. All calculations are performed locally in your browser, and no financial data you enter into our calculators is transmitted to or stored on our servers.

However, third-party services operating on our website (including Google AdSense and its advertising partners) may automatically collect the following categories of information:

• Cookies and tracking technologies — first-party and third-party cookies, web beacons, and similar technologies
• Device information — browser type and version, operating system, screen resolution, and device identifiers
• IP address — collected by Google for ad targeting, geolocation, and fraud prevention
• Browsing behavior and usage data — pages visited, time spent on pages, interactions with advertisements, and navigation patterns
• Advertising identifiers — Google cookie IDs (including from doubleclick.net), click identifiers (gclid, gbraid, wbraid), and similar ad-tracking identifiers
• Approximate location data — derived from your IP address
• Referral information — the URL that referred you to our website

Under the California Consumer Privacy Act (CCPA), these categories include: "Identifiers," "Internet or other electronic network activity information," and "Geolocation data."

Information collected by third-party services on our website is used for the following purposes:

• Serving advertisements — displaying both personalized and non-personalized ads through Google AdSense
• Personalizing ad content — tailoring advertisements based on your browsing history and interests (with your consent)
• Measuring ad performance — tracking impressions, clicks, and conversions for advertising analytics
• Fraud prevention and security — detecting spam, bots, invalid clicks, and other abusive activity
• Frequency capping — limiting how often the same advertisement is shown to you
• Aggregated reporting — generating anonymized, aggregate statistics about ad performance
• Legal compliance — responding to lawful requests from regulatory or law enforcement authorities

If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, we rely on the following legal bases under the General Data Protection Regulation (GDPR) for processing your information:

• Consent (Article 6(1)(a)): For setting advertising cookies and serving personalized ads. You will be asked for explicit consent through our cookie consent dialog before any non-essential cookies are placed on your device. You may withdraw your consent at any time.
• Legitimate Interests (Article 6(1)(f)): For serving non-personalized ads, fraud prevention, and maintaining the security of our website. Our legitimate interest is to fund the free financial calculator services we provide through advertising revenue.
• Legal Obligation (Article 6(1)(c)): Where processing is necessary to comply with applicable laws and regulations.

Our website uses cookies and similar tracking technologies. A cookie is a small text file placed on your device by a website you visit. Below are the categories of cookies used:

Strictly Necessary Cookies

These cookies are essential for the basic functionality of our website, such as remembering your cookie consent preferences. They do not require your consent.

Advertising / Targeting Cookies

These cookies are set by Google AdSense and its advertising partners (including DoubleClick) to serve ads, personalize ad content based on your browsing history, measure ad effectiveness, and prevent ad fraud. These cookies require your consent before being placed on your device (for users in the EEA/UK).

Google's advertising cookies include cookies from the doubleclick.net and google.com domains, _gcl_ prefixed cookies for conversion tracking, and cookies such as AEC and __Secure- prefixed cookies for fraud detection and security.

Functionality Cookies

These cookies remember choices you make on our website, such as your language preference and cookie consent settings, to provide a more personalized experience.

For detailed information about the cookies used by Google's advertising products, please visit: Google Ad Cookies Information.

We use Google AdSense to display advertisements on our website. Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to this site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting the following resources:

• Google Ads Settings — Google Ads Settings — manage your Google ad personalization preferences
• Digital Advertising Alliance (DAA) — Digital Advertising Alliance (DAA) Opt-Out — opt out of interest-based advertising from DAA member companies
• Network Advertising Initiative (NAI) — Network Advertising Initiative (NAI) Opt-Out — opt out of targeted advertising from NAI member companies

For more information about how Google uses your data, please review Google's Privacy Policy & Google's Advertising Technologies page.

We do not sell, rent, or trade your personal information directly. However, information collected through cookies and advertising technologies on our website may be shared with or accessed by the following parties:

• Google LLC — as our advertising technology provider through Google AdSense
• Third-party advertising partners — ad networks and demand-side platforms participating in Google's ad exchange
• Law enforcement or regulatory authorities — when required by law, regulation, legal process, or governmental request

Under the CCPA/CPRA, the sharing of personal information with advertising partners for the purpose of displaying personalized advertisements may constitute a "sale" or "sharing" of personal information for cross-context behavioral advertising. In the preceding 12 months, the categories of personal information that may have been shared include: Identifiers, Internet or other electronic network activity information, and Geolocation data.

We do not store any personal data on our servers. All financial calculations are performed locally in your browser and are not transmitted to us.

Third-party cookies set by Google and its advertising partners have their own retention periods, which are governed by their respective privacy policies. For information about Google's cookie retention periods, please visit Google's cookie information page.

We maintain records of cookie consent for a minimum of 5 years as required under GDPR consent documentation requirements.

If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, you have the following rights under the GDPR:

• Right of Access (Article 15) — the right to obtain confirmation of whether your personal data is being processed and to access that data
• Right to Rectification (Article 16) — the right to correct inaccurate personal data
• Right to Erasure (Article 17) — the right to request deletion of your personal data ("right to be forgotten")
• Right to Restrict Processing (Article 18) — the right to request that we limit the processing of your data
• Right to Data Portability (Article 20) — the right to receive your data in a structured, commonly used, and machine-readable format
• Right to Object (Article 21) — the right to object to data processing, including for direct marketing purposes
• Right to Withdraw Consent — you may withdraw your consent at any time without affecting the lawfulness of processing based on consent before its withdrawal. You can do this through our cookie consent settings or by contacting us.
• Right to Lodge a Complaint — you have the right to lodge a complaint with a supervisory authority in the EU/EEA member state of your habitual residence or place of work

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below. You may also manage your ad personalization preferences through Google Ads Settings.

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

• Right to Know — the right to request information about the categories of personal information collected, the purposes for collection, and the categories of third parties with whom information is shared
• Right to Delete — the right to request deletion of personal information collected from you
• Right to Correct — the right to request correction of inaccurate personal information
• Right to Opt Out — the right to opt out of the sale or sharing of your personal information for cross-context behavioral advertising
• Right to Limit Use — the right to limit the use and disclosure of sensitive personal information
• Right to Non-Discrimination — we will not discriminate against you for exercising any of your privacy rights

To submit a privacy request, please contact us via the email provided in the "Contact Us" section. We will respond to verifiable consumer requests within 45 days. If additional time is needed, we will notify you of the extension (up to an additional 45 days). We may need to verify your identity before fulfilling your request.

In addition to California, residents of the following US states have privacy rights under their respective comprehensive privacy laws: Virginia, Colorado, Connecticut, Utah, Montana, Oregon, Texas, Delaware, Iowa, Nebraska, New Hampshire, New Jersey, Tennessee, Maryland, Minnesota, Indiana, Kentucky, and Rhode Island.

Depending on your state of residence, your rights may include:

• The right to access your personal data
• The right to delete your personal data
• The right to correct inaccurate personal data
• The right to opt out of targeted advertising, the sale of personal data, and profiling in furtherance of decisions that produce legal or similarly significant effects
• The right to data portability
• The right to appeal a denied privacy request

To exercise any of these rights, please contact us using the information in the "Contact Us" section below. We will respond within the timeframe required by your applicable state law (typically 45 days).

Under the CCPA/CPRA, displaying personalized advertisements through Google AdSense may constitute "sharing" of personal information for cross-context behavioral advertising.

You have the right to opt out of this sharing. To do so, you may:

• Use our cookie consent dialog to reject advertising cookies
• Visit Google Ads Settings to disable ad personalization
• Enable the Global Privacy Control (GPC) signal in your browser
• Contact us directly using the information in the "Contact Us" section

When you opt out, we will serve only non-personalized advertisements, which do not use your browsing history or interests for ad targeting.

We recognize and honor the Global Privacy Control (GPC) signal. GPC is a browser-level setting that allows you to automatically communicate your privacy preferences to websites you visit.

When we detect a GPC signal from your browser, we will treat it as a valid request to opt out of the sale or sharing of your personal information, as required by the CCPA and other applicable US state privacy laws. In such cases, only non-personalized advertisements will be displayed.

To enable GPC, visit globalprivacycontrol.org for instructions on enabling GPC in your browser or browser extensions.

Upon your first visit to our website, a cookie consent dialog is displayed, allowing you to make informed choices about which cookies you allow. The consent mechanism provides the following options:

• Accept All — consent to all cookies, including advertising and analytics cookies
• Reject All — decline all non-essential cookies (only strictly necessary cookies will be used)
• Customize — choose specific categories of cookies to accept or reject

For users located in the EEA/UK, no non-essential cookies are set until you provide affirmative consent. You may change your cookie preferences at any time through the cookie settings link available in the website footer.

When you decline consent for personalized advertising or opt out, we will display non-personalized ads. Non-personalized ads are not based on your past browsing behavior or interests. Instead, they may be based on contextual information such as the content of the page you are viewing or your general geographic location.

Please note that even non-personalized ads served through Google AdSense may still use cookies for essential purposes, including:

• Frequency capping (limiting how often an ad is shown)
• Aggregated ad reporting and performance measurement
• Combating fraud, spam, and abuse

Consent for the use of cookies for these limited purposes is still required under EU law, even when ads are not personalized.

Information collected through advertising cookies and technologies may be transferred to, stored, and processed in countries outside the European Economic Area (EEA), including the United States. Google LLC, our advertising technology provider, is headquartered in the United States.

When personal data is transferred outside the EEA, appropriate safeguards are in place to protect your data, including the EU-US Data Privacy Framework and Standard Contractual Clauses approved by the European Commission. For more information about Google's data transfer practices, please refer to Google's Privacy Frameworks page.

Our website is not directed at children under the age of 13 (or under the age of 16 in certain EEA/UK jurisdictions). We do not knowingly collect personal information from children.

If we become aware that personal information has been inadvertently collected from a child, we will take prompt steps to delete that information.

Google AdSense advertisements displayed on our website are configured to comply with the Children's Online Privacy Protection Act (COPPA) and are not personalized for users identified as children.

We implement reasonable technical and organizational measures to protect the security of our website. Our website is served over HTTPS to encrypt data in transit.

Since we do not collect or store personal data on our servers, the security of personal data processed by third-party advertising partners (including Google) is governed by their respective security and privacy policies.

Please note that no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or third-party services. When we make changes, we will update the "Last Updated" date at the top of this page.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. This policy is reviewed and updated at least once every 12 months.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

We will respond to all privacy-related inquiries within 30 days (or within the timeframe required by applicable law).