01 Who we are

This Privacy Policy explains how FinToolHub (“FinToolHub,” “we,” “us,” or “our”) collects, uses, and protects information when you visit fintoolhub.com (the “Site”) and use our free financial calculators.

If you have questions about this policy, contact us at kapillodhi735@gmail.com — see Section 15 for details.

02 Information we collect

Information you provide directly

FinToolHub does not currently require an account, login, or registration to use any calculator. If we add a contact form, newsletter signup, or similar feature in the future, we will collect only what’s needed to respond to you (typically your name and email address), and this policy will be updated to reflect that.

Calculator inputs — processed locally, not collected

The figures you enter into a FinToolHub calculator — salary, dates of birth, savings balances, years of service, and similar numbers — are processed entirely in your browser using JavaScript. They are not transmitted to our servers, not stored in a database, and not visible to us in any form. Closing or refreshing the page erases them completely.

Information collected automatically

Like most websites, we (and the third-party services we use, described in Sections 3–5) automatically collect certain technical information when you visit, including:

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on the Site, and referring/exit pages
• Date and time of visit

This information is collected through cookies and similar technologies, described next.

03 Cookies and similar technologies

Cookies are small text files placed on your device to help a website function, remember preferences, or measure traffic. FinToolHub and the third-party services embedded on our Site (advertising and analytics providers) use cookies for purposes including:

You can control or delete cookies through your browser settings at any time. Blocking cookies entirely may affect how some parts of the Site display, though our calculators themselves will continue to work since they don’t depend on cookies to function.

04 Google AdSense and advertising

FinToolHub uses or intends to use Google AdSense to display advertising. As required by Google’s publisher policies, we disclose the following:

• Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites.
• Google’s use of advertising cookies enables it and its partners to serve ads to our visitors based on their visit to this Site and/or other sites on the internet.
• You may opt out of personalized advertising by visiting Google Ads Settings. Alternatively, you can opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.

For more detail on how Google uses information from sites that use its services, see Google’s Advertising page.

05 Other third-party services

Beyond advertising, the Site may use the following third-party services, each governed by its own privacy policy:

We do not control these third parties’ data practices. We encourage you to review their privacy policies directly if you have concerns.

06 How we use information

We use the automatically collected information described in Section 2 to:

• Operate, maintain, and improve the Site and our calculators
• Understand which content and tools are most useful to visitors
• Detect, prevent, and address technical issues or abuse
• Serve advertising through Google AdSense and measure its performance

We do not use calculator inputs for any purpose — as explained in Section 2, we never receive them.

07 Data sharing and disclosure

We do not sell your personal information. We may share the limited automatically collected information described above with:

• Service providers — advertising (Google AdSense), analytics, and hosting providers who process data on our behalf
• Legal authorities — if required to comply with a legal obligation, court order, or governmental request
• A successor entity — if FinToolHub is involved in a merger, acquisition, or sale of assets, in which case visitor data may be transferred as part of that transaction

08 Your privacy rights

If you’re in the European Economic Area or UK (GDPR)

You have the right to access, correct, delete, or restrict the processing of your personal data, and the right to data portability and to object to processing. You may also lodge a complaint with your local data protection authority. Contact us using the details in Section 15 to exercise these rights.

If you’re a California resident (CCPA/CPRA)

You have the right to know what personal information is collected, to request deletion, to correct inaccurate information, and to opt out of the “sale” or “sharing” of personal information (including for cross-context behavioral advertising). We do not sell personal information for money; to the extent ad personalization is considered “sharing” under California law, you can opt out using the Google Ads Settings link in Section 4.

For all visitors

Regardless of location, you can opt out of personalized advertising cookies at any time via Google Ads Settings or your browser’s cookie controls.

09 Children’s privacy

FinToolHub is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us using the details in Section 15 and we will take steps to delete it.

10 Data security

We use industry-standard measures, including HTTPS encryption, to protect the limited data associated with your visit. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

11 Data retention

Automatically collected technical data (such as analytics logs) is retained only as long as necessary for the purposes described in this policy, consistent with the retention periods of our third-party service providers (for example, Google Analytics’ default retention settings). Calculator inputs are never retained, since they never leave your browser.

12 International data transfers

FinToolHub is based in the United States. If you access the Site from outside the United States, your information (to the limited extent described above) may be processed in the United States or other countries where our service providers operate, which may have different data protection laws than your home country.

13 Do Not Track signals

Some browsers offer a “Do Not Track” setting. There is currently no industry-standard way to respond to these signals, so our Site does not respond differently when one is detected. You can still control tracking using the cookie and ad-personalization options described in Sections 3 and 4.

14 Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We’ll update the “Last updated” date at the top of this page when we do. Material changes will be reflected here — we encourage you to review this page periodically.

15 Contact us

Questions about this Privacy Policy or how FinToolHub handles information? Email us at kapillodhi735@gmail.com .