Privacy Policy

Information we collect

• Usage data: pages visited, approximate session duration, referral source, device/browser type, and general location (such as country/state).
• Technical data: IP address, timestamps, and basic diagnostic logs for reliability and security.
• Input values: calculator formulas run in your browser. The calculator code does not submit the numbers you enter to our server. You do not need to provide a name, account number, or other personal identifier to use a calculator.

How we use information

• Operate, maintain, and improve our calculators and website.
• Understand aggregate traffic trends and product usage.
• Detect abuse, fraud, and technical issues.
• Comply with legal obligations.

Cookies and analytics

We use Google Analytics, Vercel Web Analytics, and Vercel Speed Insights to understand site usage and performance. These services may process technical and usage data. Google Analytics may use cookies. The site stores your selected light or dark theme in your browser's local storage. You can manage cookies and site storage through your browser settings.

Advertising and your choices

We use Google AdSense. Google and other third-party advertising vendors may use cookies to select ads based on earlier visits to this website or other websites. Google's advertising cookies allow Google and its partners to personalize ads using browsing activity across sites.

You can manage personalized Google advertising through My Ad Center. For choices offered by participating third-party advertising providers, visit YourAdChoices. Opting out of personalization does not necessarily remove advertisements.

Read how Google handles information from partner sites at Google's partner-site privacy information. Vercel describes its practices in its privacy policy. Where a consent message is shown, use its controls to make or update the available choices.

Data sharing

We do not sell personal information. We may share limited data with service providers that help host, secure, and analyze the site, subject to appropriate safeguards.

Data retention

We retain information only as long as needed for legitimate business, legal, or security purposes.

Your rights

Depending on your location, you may have rights to access, correct, delete, or restrict use of your personal information. To make a request, contact us at privacy@smartpaytools.com.

Children's privacy

This site is not directed to children under 13, and we do not knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. Updates will be posted on this page with a revised effective date.