Privacy Policy

1. Information We Collect

1.1 Information You Provide Directly

When you use our contact or feedback form, we collect:

• Name: To address you personally in our response
• Email address: To reply to your inquiry or feedback
• Message content: The feedback, bug report, or question you submit

We do not require account registration. You can use all calculators on EXACTFINANCE without providing any personal information.

1.2 Automatically Collected Information

When you visit our website, we automatically collect certain technical information, including:

• Log data: IP address, browser type and version, pages visited, time and date of visit, time spent on pages
• Device information: Device type, operating system, screen resolution
• Usage data: Which calculators you use, how you interact with our tools (collected anonymously)
• Cookies and similar technologies: See Section 4 for details

1.3 Calculator Inputs

All calculator inputs (loan amounts, interest rates, investment figures, etc.) are processed entirely in your browser. We do not transmit, store, or log any financial figures you enter into our calculators. Your financial data never leaves your device.

2. How We Use Your Information

We use the information we collect to:

• Respond to your feedback, questions, and support requests
• Improve our calculators, tools, and overall user experience
• Analyze website traffic and usage patterns to understand how visitors use our site
• Detect and prevent technical issues, errors, and abuse
• Comply with legal obligations
• Display relevant advertisements through Google AdSense (see Section 5)

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

3. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the data concerned:

• Legitimate interests: Analyzing website usage to improve our services, maintaining website security
• Consent: Where you have given us explicit consent (e.g., submitting a contact form)
• Legal obligation: Where we are required to process data to comply with applicable law

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device.

Types of Cookies We Use

• Essential cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Used by Google Analytics to collect anonymous information about how visitors use our site. This helps us understand traffic patterns and improve our content.
• Advertising cookies: Used by Google AdSense to display relevant advertisements. These cookies may track your browsing activity across websites.

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality. For more information about Google's use of cookies, visit Google's Cookie Policy.

5. Google AdSense and Advertising

We use Google AdSense to display advertisements on our website. Google AdSense uses cookies to serve ads based on your prior visits to our website and other sites on the internet.

• Google may use the DoubleClick cookie to serve ads based on your interests
• You can opt out of personalized advertising by visiting Google Ads Settings
• You can also opt out via the Network Advertising Initiative opt-out page

For more information about how Google uses data from sites that use Google services, visit: How Google uses data.

6. Google Analytics

We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. Data collected includes pages visited, time on site, traffic sources, and geographic location (country/city level).

You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

7. Data Sharing and Disclosure

We may share your information in the following limited circumstances:

• Service providers: Third-party vendors who assist in operating our website (e.g., hosting providers, analytics services) under strict confidentiality agreements
• Legal requirements: If required by law, court order, or governmental authority
• Business transfers: In connection with a merger, acquisition, or sale of assets, with appropriate notice to you
• Protection of rights: To protect the rights, property, or safety of EXACTFINANCE, our users, or the public

We do not sell your personal data to advertisers or data brokers.

8. Data Retention

We retain personal information only as long as necessary for the purposes outlined in this policy:

• Contact form submissions: Retained for up to 12 months to allow us to follow up on feedback and track improvements
• Analytics data: Retained for 26 months per Google Analytics default settings
• Server logs: Retained for up to 90 days for security and debugging purposes

9. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data ("right to be forgotten")
• Portability: Request transfer of your data in a machine-readable format
• Objection: Object to processing of your data for certain purposes
• Restriction: Request restriction of processing in certain circumstances
• Withdraw consent: Where processing is based on consent, withdraw it at any time

To exercise any of these rights, please contact us at privacy@exactfinancetools.com. We will respond within 30 days.

10. Children's Privacy

EXACTFINANCE is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately and we will delete such information from our records.

11. 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:

• HTTPS encryption for all data transmitted to and from our website
• Regular security assessments and updates
• Limited access to personal data on a need-to-know basis

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

12. International Data Transfers

EXACTFINANCE operates from the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located. By using our website, you consent to this transfer.

For users in the EEA, we ensure appropriate safeguards are in place for international transfers in accordance with GDPR requirements.

13. Third-Party Links

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

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by:

• Posting the new Privacy Policy on this page with an updated "Last updated" date
• Displaying a prominent notice on our website for significant changes

We encourage you to review this Privacy Policy periodically.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: