Privacy Policy

Introduction

Welcome to LoanCalc Pro ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website loancalcpro.com and use our loan calculation services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access or use our services.

We are committed to protecting your privacy and ensuring the security of your personal information. This policy is designed to help you understand what information we collect, how we use it, and what choices you have regarding your information.

1. Information We Collect

We are committed to collecting minimal information necessary to provide our services. The information we may collect falls into the following categories:

1.1 Information You Provide Voluntarily

• Contact Information: When you contact us through our contact form, we collect your name, email address, and message content.
• Calculator Inputs: The loan amounts, interest rates, and tenure information you enter into our calculators are processed locally in your browser and are not transmitted to or stored on our servers.
• Feedback and Surveys: If you choose to participate in surveys or provide feedback, we may collect the information you provide.

1.2 Information Collected Automatically

• Usage Data: We collect information about how you interact with our website, including pages visited, time spent on pages, and navigation patterns.
• Device Information: We may collect information about your device, including IP address, browser type, operating system, and screen resolution.
• Log Files: Our servers automatically record certain information in log files, including your IP address, browser type, referring/exit pages, and date/time stamps.

1.3 Cookies and Tracking Technologies

We use essential cookies and similar tracking technologies to enhance your experience on our website. These include:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors interact with our website
• Advertising Cookies: Used by our advertising partners (Google AdSense) to serve relevant ads

2. How We Use Your Information

We use the information we collect for the following purposes:

1. Service Provision: To provide, maintain, and improve our loan calculation services
2. Communication: To respond to your inquiries, comments, and requests
3. Website Improvement: To analyze usage patterns and improve our website functionality
4. Legal Compliance: To comply with applicable laws, regulations, and legal processes
5. Security: To protect against fraud, unauthorized access, and other security issues
6. Marketing: To display relevant advertisements through our advertising partners

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

3.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our website and providing our services, including:

• Web hosting providers
• Analytics services (Google Analytics)
• Advertising networks (Google AdSense)
• Email service providers

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including:

• Compliance with legal obligations
• Protection of our rights and property
• Prevention of fraud or illegal activities
• Protection of user safety

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to the same privacy protections.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL encryption for data transmission
• Secure server infrastructure
• Regular security audits and updates
• Access controls and authentication
• Employee training on data protection

However, please note that no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

5.1 GDPR Rights (EU Residents)

• Right to Access: Request information about the personal data we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data
• Right to Portability: Request transfer of your data to another service
• Right to Object: Object to processing of your personal data
• Right to Restrict Processing: Request limitation of data processing

5.2 Cookie Preferences

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality.

5.3 Opt-Out Options

You can opt out of certain data collection and advertising:

• Google Analytics: Use the Google Analytics Opt-out Browser Add-on
• Google AdSense: Visit Google's Ad Settings page
• Email Communications: Use unsubscribe links in our emails

6. Children's Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information promptly.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and provide adequate protection for your personal information.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. Specifically:

• Contact form submissions: 2 years
• Usage analytics: 26 months (Google Analytics default)
• Log files: 12 months
• Calculator data: Not stored (processed locally only)

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

11. Contact Information

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:

• Email: [email protected]
• Contact Form: Use our contact page
• Response Time: We aim to respond to all privacy-related inquiries within 30 days