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 inputs are processed to show results. We do not design the calculators to require sensitive personal data.

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 may use cookies or similar technologies for analytics, functionality, and performance monitoring. You can control cookies in your browser settings.

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.