Privacy Policy

Your data stays with you

All calculations on Calk-USA run entirely in your web browser using JavaScript. The financial data you enter into our calculators (income, loan amounts, tax details, etc.) is never sent to our servers, stored in any database, or shared with any third party. When you close the page, your data is gone.

Third-party advertising

We use Google AdSense to display non-intrusive ads and support the free operation of this site. Third-party vendors, including Google, use cookies to serve ads based on a user's prior visits to this website and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to this site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting Google Ad Settings. Alternatively, you may opt out of third-party vendor cookies for personalized advertising by visiting the Network Advertising Initiative opt-out page.

For more information on how Google uses data, see Google's Privacy Policy.

Analytics

We use Google Analytics 4 to understand how our site is used (which pages are popular, how visitors find us). This data is aggregated and anonymized — we cannot identify individual users. Analytics scripts only load after you accept cookies via our consent banner.

Cookies & consent

When you first visit our site, a cookie consent banner will ask for your permission before any analytics or advertising cookies are set. You can choose to accept or decline. No third-party cookies are loaded until you consent.

We use the following storage:

• theme — stores your light/dark mode preference (localStorage, no expiry)
• cookie-consent — stores your cookie consent choice (localStorage, no expiry)
• Google Analytics cookies — loaded only after consent (GA4, session-based)
• Google AdSense cookies — loaded only after consent (advertising, varies)

GDPR (European visitors)

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

• Right of access — you can request what personal data we hold about you (in practice, we hold none beyond anonymous analytics)
• Right to erasure — you can request deletion of your data
• Right to withdraw consent — you can clear your cookie consent choice at any time by clearing your browser's localStorage for this site
• Right to object — you can decline cookies via our consent banner, and no tracking or advertising cookies will be set

Our legal basis for processing analytics data is your consent (given via the cookie banner). No personal financial data is ever collected or processed.

CCPA (California residents)

We do not sell personal information. We do not collect personal financial data. California residents have the right to know what personal information is collected — in our case, only aggregated analytics data as described above. To exercise your rights, contact us at the email below.

Children

Our site is not directed at children under 13 (or 16 in the EEA). We do not knowingly collect information from children.

Changes to this policy

We may update this privacy policy from time to time. The "Last updated" date at the top will be revised accordingly. We encourage you to review this page periodically.

Contact

For privacy questions or data requests: [email protected]