Privacy Policy

Last updated: March 3, 2026 | Effective: March 3, 2026

This Privacy Policy describes how LoanCalc365 ("we", "us", "our"), operated at loancalc365.com, collects, uses, and protects your information. We are committed to full transparency about our data practices.

1. Information We Collect

Calculator Inputs

All calculations on LoanCalc365 run entirely in your browser. We do not collect, store, or transmit any financial figures you enter into our calculators.

Contact Form

When you submit our contact form, we collect your name, email address, and message. This data is processed via Formspree and used solely to respond to your enquiry.

Automatically Collected Data

When you visit our site, we and our third-party partners automatically collect: IP address, browser type and version, pages visited, time on site, and referring URL. This data is used for analytics and to serve relevant ads.

2. Cookies & Tracking

We use the following cookie types:

Essential cookies — required for the site to function
Analytics cookies — Google Analytics (usage statistics)
Advertising cookies — Google AdSense (personalised ads)

You can manage or disable cookies at any time in your browser settings. Disabling advertising cookies means you will still see ads, but they will not be personalised to your interests.

3. Google AdSense & Advertising

LoanCalc365 is monetised through Google AdSense (publisher ID: ca-pub-2234512792177759). Google uses cookies, web beacons, and similar technologies to serve ads based on your browsing history on our site and other sites.

Google may use the DoubleClick cookie to serve ads. You can opt out of personalised advertising at any time via Google Ads Settings or aboutads.info.

We comply with Google's Publisher Policies and do not place AdSense ads on pages with prohibited content. For full details: Google Privacy Policy.

4. How We Use Your Data

To operate and improve our calculators and articles
To respond to contact form messages
To analyse site usage via Google Analytics
To serve relevant advertisements via Google AdSense
To detect and prevent fraud or abuse
To comply with legal obligations

5. Data Sharing

We do not sell your personal data. We share data only with:

Google LLC — analytics and advertising
Formspree — contact form processing
Vercel Inc. — website hosting and delivery
Legal authorities — only when required by law

6. Your Rights

GDPR (EU/EEA residents)

Right of access to your personal data
Right to rectification of inaccurate data
Right to erasure ("right to be forgotten")
Right to restriction of processing
Right to data portability
Right to object to processing
Right to withdraw consent at any time

CCPA (California residents)

Right to know what personal information is collected
Right to delete personal information
Right to opt-out of the sale of personal information (we do not sell data)
Right to non-discrimination for exercising your rights

To exercise any right, email: privacy@loancalc365.com

7. Data Retention

Contact messages are retained for up to 12 months. Analytics data follows Google's standard retention. We do not retain any calculator inputs.

8. Security

Our site is served over HTTPS (TLS encryption). We implement appropriate technical and organisational measures to protect your data. No internet transmission is 100% secure.

9. Children's Privacy

LoanCalc365 is not directed at children under 13. We do not knowingly collect data from children. If you believe we have done so inadvertently, contact us immediately at privacy@loancalc365.com.

10. Third-Party Links

Our site may link to third-party websites. We are not responsible for their privacy practices. Please review their policies independently.

11. Changes to This Policy

We may update this policy periodically. The "Last updated" date at the top reflects the most recent revision. Continued use of the site after changes constitutes acceptance.

12. Contact

Questions about this policy? Reach us at:

Email: privacy@loancalc365.com
Web: loancalc365.com/contact