Privacy Policy

1. Who We Are

Calculious ("we", "us", "our") operates the website calculious.com — a free financial calculator and educational content platform. Our contact address is [email protected].

2. What Data We Collect

Calculator inputs: All calculations on Calculious run entirely within your web browser. We do not collect, store, transmit, or log any numbers you enter into our calculators. Your salary, tax, or loan figures never leave your device.

Analytics data: We may use Google Analytics to collect anonymised usage data — pages visited, browser type, country, and session duration. This data is aggregated and does not identify you personally.

Log data: Like all websites, our server (Hostinger) automatically logs standard access information — IP address, browser, pages requested, and timestamps. This is used for security and uptime monitoring only.

Contact messages: If you email us at [email protected], we receive your email address and message content. We use this solely to respond to you and do not share it with third parties.

3. Google AdSense & Third-Party Advertising

Calculious uses Google AdSense to display advertisements. Google AdSense is a third-party service operated by Google LLC. When ads are displayed, Google may use cookies and similar technologies to:

• Show you ads based on your prior visits to this website and other websites
• Measure the effectiveness of advertisements
• Prevent the same ad from appearing too frequently

Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the internet. You may opt out of personalised advertising by visiting Google Ad Settings.

You can also opt out of third-party vendor use of cookies for personalised advertising by visiting aboutads.info/choices (USA) or youronlinechoices.com (EU/UK).

For more information on how Google uses data when you use our site, visit How Google uses data from sites that use Google products.

4. Cookies

Calculious itself does not set persistent cookies on your device. However, third-party services we use (Google AdSense, Google Analytics) may set cookies. These cookies are governed by Google's Privacy Policy.

You can control or delete cookies through your browser settings. Disabling cookies may affect the display of advertisements on this site.

5. How We Use Information

• To operate and improve the Calculious website and calculators
• To understand which pages and tools are most useful (via anonymised analytics)
• To respond to contact messages and support requests
• To detect and prevent security issues

We do not sell, rent, or trade your personal data to any third party.

6. Data Retention

Server log data is retained for up to 90 days for security purposes. Contact emails are retained for as long as necessary to address your enquiry. Analytics data is retained per Google Analytics' default retention policy (up to 26 months). Calculator inputs are never stored anywhere.

7. Your Rights

Depending on your location, you may have rights under GDPR (EU/UK), the Australian Privacy Act, or other applicable laws, including:

• The right to access personal data we hold about you
• The right to correct inaccurate data
• The right to request deletion of your data
• The right to object to or restrict processing
• The right to data portability

To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

8. Children's Privacy

Calculious is not directed at children under 13 (or under 16 in the EU/UK). We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it.

9. Links to Third-Party Sites

Our articles and guides may link to official government websites (HMRC, ATO, IRS, Income Tax Department) and other external resources. We are not responsible for the privacy practices of those sites. We recommend reviewing the privacy policy of any third-party site you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will note the "Last updated" date at the top when we do. Continued use of Calculious after any changes constitutes your acceptance of the updated policy.

11. Contact

Questions or concerns about this Privacy Policy? Contact us at:
[email protected]